– English Lyrics

Lyrics & Translation

[English]

[music]

[music]

Hello everyone [music]

and welcome back to Mr. English channel

where learning English is easy and fun.

I'm Emily.

>> Hello to you Emily [music]

and a big hello to all our wonderful

listeners around the world. It is

fantastic to be here [music] with you

today.

>> It is always fantastic. Paul, tell me

how are you today? You look very happy.

>> I am happy. Thank you. I had a very

productive morning. I did many things on

my list.

>> Ooh, a productive morning. I love those.

What did you do?

>> Well, I went to the supermarket. I

walked the dog. And I went to the bank.

>> The bank, Paul, that is perfect.

>> Perfect. Why is going to the bank

perfect? It is a little boring. No,

[laughter]

>> maybe a little boring. Yes, but it is

perfect because that is our topic today.

>> No way. Really?

>> Yes. Today we are talking all about the

bank.

>> Wow, that is a great coincidence. The

bank is very important for daily life.

>> It is. Everyone needs to go to the bank.

Sometimes we need to know the right

words in English.

>> Yes, we do. It can be a little scary to

talk about money in a different

language.

>> Exactly. But do not worry. We are here

to make it easy and simple.

>> We certainly are. But Emily, before we

open the bank doors, we have a small

favor to ask our listeners.

>> Yes, we do. If you are enjoying our

podcast, please take one second to click

the like button.

>> Yes, give us a big thumbs up. It helps

us very much.

>> And please subscribe to Mr. English

channel. We don't want you to miss any

of our fun episodes

>> and share it. Share this with your

friends, your family, your colleagues.

Let's all learn English together.

>> Yes. Thank you so much, everyone. We

truly appreciate it. Okay, Paul, I am

ready. Let's go to the bank.

>> Let's go. So, why do we go to the bank?

>> H, good question. We go to keep our

money safe.

>> Yes, the bank is a safe place for our

money. We don't want to keep all our

cash under our bed. [laughter]

>> No, that is not a good idea. The bank is

much better. So, the first thing we need

at a bank is an account.

>> An account? Yes. This is like your

personal box at the bank.

>> Exactly. It is where your money lives.

There are two main types of accounts.

>> Oh, two types. What are they?

>> The first one is a checking account.

>> A checking account. Okay. What is that

for?

>> A checking account is for everyday for

your daily life.

>> Ah, I see. So when I buy my coffee or my

groceries at the supermarket, I use

money from my checking account.

>> Yes, exactly. It is for money you spend

often.

>> Okay, that is simple. And the second

type,

>> the second type is a savings account.

>> A savings account. Ah, we talked about

saving before.

>> Yes, we did. A savings account is for

money you want to keep for a long time

>> like money for my new bicycle.

[laughter and gasps]

>> Yes. Or for a future vacation or just

for emergencies.

>> I understand. Checking is for today.

Savings is for the future.

>> Perfect. Paul, you are a fast learner.

>> Thank you. [laughter]

So I want to open an account. What do I

do? You need to go to the bank and speak

to a person. You can say, "Hello, I

would like to open an account, please."

>> I would like to open an account, please.

That is a very useful phrase.

>> It is. And they will ask you for some

things.

>> What things?

>> They will need your ID.

>> My ID? Like my driver's license?

>> Yes. Or your passport. Something with

your photo and your name.

>> Okay. I always have my ID. What else?

>> They might need your address. Where you

live?

>> That is easy. I know where I live.

>> Good. And then you have to fill out a

form.

>> Oh, I know this. A form. It is a paper

with many questions. Name, address,

phone number.

>> Yes, that is it. You write your

information on the form

>> and at the end I have to write my name.

>> Yes. That is called your signature. You

sign the form.

>> Ah my signature. It makes it official.

>> Exactly. Once you sign, congratulations.

You have a bank account.

>> Woohoo. I have an account. Now I need to

put money in my account.

>> Good idea. When we put money into the

bank, we call it a deposit.

>> Oh, deposit. Okay.

>> Yes. You can say to the bank worker, I

would like to make a deposit, please.

>> I would like to make a deposit. I am

putting money in.

>> Perfect. And what if you need money?

What if you need cash for the weekend?

>> Ah, yes. I need to take money out. When

we take money out, we call it a

withdrawal.

>> Withdrawal. That is a longer word.

>> It is a little harder to say.

Withdrawal.

>> Withdrawal. Okay. So, I can say, I would

like to make a withdrawal, please.

>> Yes. Or simply, I would like to take out

some cash, please.

>> Take out cash. That is easier. I like

that one.

[laughter and gasps] Simple is good. Who

is the person I talked to at the bank?

The person behind the glass window.

>> That person is called a teller.

>> A teller? Like they tell me things,

>> maybe, but they help you with your

money. They take your deposits and give

you your withdrawals.

>> Okay. The bank teller. They are usually

very friendly.

>> Yes, they are. But Paul, sometimes the

bank is closed.

>> Oh no, it is 8:00 p.m. I need cash for

pizza. What do I do?

>> Do not panic. [laughter]

You can use the ATM.

>> Ah, the ATM. I love the ATM. It is like

a robot bank. [laughter]

>> Yes, it is a robot bank. It is open 24

hours a day. What does ATM mean?

>> It means automated teller machine.

>> Automated teller machine. Ah, so it is a

robot teller.

>> Exactly. You need two things for the

ATM.

>> I know this. I need my bank card.

>> Yes, your plastic card and one more

thing. A secret thing.

>> Ooh, a secret. My PIN number.

>> Yes, your PIN. usually four numbers.

Only you know it.

>> Yes, I never tell anyone my PIN. It is

top secret.

>> Very good. Never share your PIN.

>> So at the ATM I insert my card.

>> Yes. You put your card inside the

machine.

>> Then I enter my PIN number. Beep beep

beep.

>> Precise sound effects. Paul,

>> thank you. [laughter]

And then I select what I want. Usually

withdraw cash.

>> Yes. You choose how much money you want.

$20, $50, $100.

>> And then magic. The machine gives me

money.

>> It is like magic. Don't forget to take

your card back.

>> Oh yes, that is very important. Never

leave your card in the machine. Paul,

what happens if you lose your card?

>> Oh no, that is a terrible feeling. I

lost my card once. I was very stressed.

>> It can be scary. But if you lose your

card, you must call the bank

immediately.

>> Yes, right away. You must tell them, "I

lost my card."

>> They will cancel your card so no one

else can use it.

>> That is good. It keeps my money safe.

Yes, safety is the most important thing

at the bank.

>> I have another question.

>> Sure, Paul. What is it?

>> I am going on vacation soon to Europe.

>> Wow, Europe. That is exciting.

>> It is. But in Europe, they do not use my

country's money. They use euros.

>> That's right. You need different

currency.

>> Currency. That is the word for money

from different countries.

>> Yes. Dollars, euros, pounds, yen. These

are all different currencies.

>> Can I get euros at my bank?

>> Usually, yes. You can exchange money at

the bank.

>> Exchange like I give them dollars, they

give me euros.

>> Exactly. You swap one currency for

another.

>> That is very helpful. I will go to the

bank before my trip.

>> Good plan. You can say I would like to

exchange some money please.

>> I would like to exchange some money.

Okay, I will remember that.

>> Paul, do you use online banking?

>> Online banking? You mean the bank on my

computer?

>> Yes. Or on your phone?

>> Oh, yes. I use the app on my phone all

the time. It is very convenient.

>> It is amazing. Right. You don't need to

go to the bank building.

>> No, I can check my balance on my phone.

>> Ah, good word. Balance. What is that?

>> The balance is how much money I have in

my account right now.

>> Yes, it is always good to know your

balance before you buy that expensive

pizza.

[laughter]

>> Yes, I check my balance. I see I have

money. And then pizza time.

>> You can also pay bills with online

banking.

>> Yes, I pay my electricity bill and my

internet bill on the app. It is very

fast.

>> It saves a lot of time. No paper, no

stamps.

>> I love technology. It makes banking much

easier.

>> It really does. But going to the real

bank is still nice sometimes.

>> Yes. I like talking to the tellers. They

are very helpful people.

>> They are. If you have a question or a

problem, it is good to speak to a real

person.

>> Exactly. So, we have many good words

today. Let's do a quick review for our

listeners.

>> Great idea, Paul. Let's review.

>> Okay. The place we keep our money is the

>> bank. And my personal money box at the

bank is my

>> account.

>> Perfect. If I want to put money in, I

make a

>> deposit.

>> And if I want to take money out, I make

a

>> withdrawal.

>> Very good. The robot machine that gives

me cash is the

>> ATM. And the secret number for my card

is my

>> pin.

>> Wow, Emily, you get an A+ on the bank

quiz. [laughter]

>> Hooray. Thank you, Professor Paul.

>> These words are so useful. I feel more

confident now.

>> Me, too. It is nice to know the right

words. Emily, before we finish, do you

prefer using cash or your card?

>> H, that is a tough question.

I think I prefer my card. It is easier

to carry.

>> I agree. I usually use my card, but

sometimes it is nice to have a little

cash in my pocket.

>> Yes. for small things like a coffee or

the bus.

>> Exactly. It is good to have both.

>> Well, Paul, I think it is time to close

the bank for today. [laughter]

>> Yes, the bank is closing. We hope this

episode helps you feel comfortable going

to the bank in English.

>> Yes, don't be afraid. The people at the

bank want to help you.

>> Just remember your key words. Account,

deposit, withdraw. You will be fine.

>> Absolutely, you can do it.

>> Now, we have a question for you, our

wonderful listeners.

>> Yes. Please tell us in the comments

section. Do you prefer to use cash or do

you prefer to use your card? Oh, good

question. Cash or card? Let us know what

you like to use.

>> We love reading your answers. It is

great practice for your English writing.

>> It is. And [music] please don't forget

to subscribe to our channel so you never

miss an episode. [music]

>> And share this podcast with your friends

who are learning English, too.

>> Thank you so much for listening today,

everyone. Yes, thank you. Have a

wonderful [music] day and happy banking.

>> Bye everyone. See you next time.

>> Bye for now.

Key Vocabulary

Vocabulary	Meanings
bank bæŋk A1	noun - a financial institution where money is kept and managed
account əˈkaʊnt A1	noun - a record of financial transactions at a bank
deposit dɪˈpɑːzɪt A2	verb - to put money into a bank account noun - money placed into a bank account
withdrawal wɪðˈdrɔːəl A2	noun - the act of taking money out of a bank account
ATM eɪ tiː em A1	noun - automated teller machine, a machine for bank transactions
PIN pɪn A1	noun - personal identification number, a secret code for bank cards
currency ˈkʌrənsi B1	noun - the money used in a particular country
balance ˈbæləns A2	noun - the amount of money in a bank account
teller ˈtɛlər A2	noun - a bank employee who handles customer transactions
exchange ɪksˈtʃeɪndʒ A2	verb - to trade one currency for another
convenient kənˈviːnɪənt B1	adjective - easy to use or access
signature ˈsɪɡnətʃər A2	noun - a person's name written in a distinctive way as a form of identification
productive prəˈdʌktɪv B1	adjective - achieving a lot or producing good results
official əˈfɪʃəl A2	adjective - relating to an authority or public organization
immediately ɪˈmiːdiətli A2	adverb - without delay; instantly

Key Grammar Structures

• I would like to open an account, please.

  ➔ Polite request using “would like” + infinitive

  ➔ The phrase "would like" expresses a polite desire, followed by the infinitive "to open".

• You need to go to the bank and speak to a person.

  ➔ Modal verb “need to” + infinitive for obligation

  ➔ "Need to" conveys an obligation, and it is followed by the infinitives "go" and "speak".

• If I lose my card, I must call the bank immediately.

  ➔ First conditional (real future possibility) + modal “must” for necessity

  ➔ "If" introduces a real future possibility, and "must" expresses a strong necessity: "must call".

• You can use the ATM.

  ➔ Modal verb “can” + base verb for ability or permission

  ➔ "Can" indicates that the subject has the ability or permission to "use" the ATM.

• They will ask you for some things.

  ➔ Future simple with “will” + base verb for future prediction

  ➔ "Will" marks a simple future action; the verb "ask" shows what they are going to do.

• When we take money out, we call it a withdrawal.

  ➔ Zero conditional (present simple + present simple) for general truths

  ➔ "When" introduces a regular situation; both clauses are in the present simple: "take" and "call".

• It is important to keep your PIN secret.

  ➔ Adjective + infinitive pattern (important + to‑verb) expressing necessity

  ➔ "Important" is followed by the infinitive phrase "to keep", showing that keeping the PIN secret is necessary.

• Do you prefer to use cash or your card?

  ➔ Question with “prefer” + infinitive to ask about choices

  ➔ "Prefer" is followed by the infinitive "to use"; the question asks which option the listener likes more.

• Please don't forget to subscribe to our channel.

  ➔ Negative imperative + infinitive "to" construction for polite instruction

  ➔ "Don't" forms the negative command, and "to subscribe" tells the listener the action to avoid forgetting.