Retail Banking means dealing with customers at the bank who want to open a bank account, apply for an ATM card or debit card.
In this section you will learn how to help customers.
And how to advise customers about banking services.
In this section you will learn how to help customers.
And how to advise customers about banking services.
Vocabulary
interest
ดอกเบี้ย click and listen [ interest ] http://translate.google.com/#en/th/interest
loan
เงินกู้
insurance
ประกัน click and listen [ insurance ] https://translate.google.co.th/?hl=en#en/th/insurance
fixed deposit
เงินฝากประจำ
deposit money / make a deposit
ฝากเงิน
sign
ลงชื่อ click and listen [ sign ] http://translate.google.co.th/?hl=en#en/th/sign
signature
ลายเซ็น click to listen http://translate.google.co.th/?hl=en#en/th/signature
interest
ดอกเบี้ย click and listen [ interest ] http://translate.google.com/#en/th/interest
loan
เงินกู้
insurance
ประกัน click and listen [ insurance ] https://translate.google.co.th/?hl=en#en/th/insurance
fixed deposit
เงินฝากประจำ
deposit money / make a deposit
ฝากเงิน
sign
ลงชื่อ click and listen [ sign ] http://translate.google.co.th/?hl=en#en/th/sign
signature
ลายเซ็น click to listen http://translate.google.co.th/?hl=en#en/th/signature
Phrases and Questions
I must open a bank account / I need to open a bank account / I want to open a bank account
ฉันจะต้องเปิดบัญชีธนาคาร / ผมต้องการที่จะเปิดบัญชีธนาคาร
Please bring your passport and work permit
เอกสารที่ใช้ประกอบการเปิดบัญชี 1. หนังสือเดินทาง 2.ใบอนุญาตทำงาน
I want to open a fixed deposit account.
ฉันต้องการเปิดบัญชีเงินฝากประจำ
I want to invest my money
ผมต้องการลงทุนในเงินของผม
How much is the interest rate?
เงินฝากได้รับอัตราดอกเบี้ยเท่าไร
mature date
วันครบกำหนดถอนเงิน
We will deduct 15% government tax on the interest
ดอกเบี้ยที่ได้รับต้องหักภาษี 15%
click and listen [government tax ] http://translate.google.co.th/?hl=en#auto/th/government%20%20tax
More information -- practice saying numbers and percent [%]
[ 2.25 % ] click to listen http://translate.google.com/#en/th/2.25%25
[ 3% ] http://translate.google.com/#en/th/3%25
[ 3.5 % ] http://translate.google.com/#en/th/3.5%25
I must open a bank account / I need to open a bank account / I want to open a bank account
ฉันจะต้องเปิดบัญชีธนาคาร / ผมต้องการที่จะเปิดบัญชีธนาคาร
Please bring your passport and work permit
เอกสารที่ใช้ประกอบการเปิดบัญชี 1. หนังสือเดินทาง 2.ใบอนุญาตทำงาน
I want to open a fixed deposit account.
ฉันต้องการเปิดบัญชีเงินฝากประจำ
I want to invest my money
ผมต้องการลงทุนในเงินของผม
How much is the interest rate?
เงินฝากได้รับอัตราดอกเบี้ยเท่าไร
mature date
วันครบกำหนดถอนเงิน
We will deduct 15% government tax on the interest
ดอกเบี้ยที่ได้รับต้องหักภาษี 15%
click and listen [government tax ] http://translate.google.co.th/?hl=en#auto/th/government%20%20tax
More information -- practice saying numbers and percent [%]
[ 2.25 % ] click to listen http://translate.google.com/#en/th/2.25%25
[ 3% ] http://translate.google.com/#en/th/3%25
[ 3.5 % ] http://translate.google.com/#en/th/3.5%25
CONVERSATION 1 -- CMB BANK, Hat Yai (JANE AND CUSTOMER)
JANE: สวัสดี
CUSTOMER: Good morning. Do you speak English?
JANE: Yes sir, I do.
CUSTOMER: I need to open a bank account.
JANE: Okay sir, I need your work permit and passport, please.
CUSTOMER: I need a work permit?
JANE: Yes sir. All foreigners need a work permit or a 1 year visa to open a bank account in Thailand.
click and listen [foreigners] http://translate.google.co.th/?hl=en#auto/th/foreigners
CUSTOMER: But I am from Malaysia. ASEAN country.
JANE: So sorry sir, that is the banking rule of Thailand.
CUSTOMER: I see. Okay. Goodbye.
JANE: Goodbye sir.
CONVERSATION 2 -- CMB BANK, Hat Yai (JANE AND CUSTOMER)
JANE: Good morning madam.
CUSTOMER: Hello. Can I open a bank account? I'm a teacher.
JANE: Okay madam. I need your work permit and passport, please.
And 500 baht to open the account.
CUSTOMER: Here you are.
JANE: Just a moment please. I will make some copies.........
Please sign the copies.
CUSTOMER: Okay.
JANE: Please sign this form. Thank you madam. Just a moment please.
CUSTOMER: Can get an ATM card?
JANE: Yes madam. The charge is 300 baht.
CUSTOMER: Okay. Here you go.
JANE: Thank you.
Please enter your PIN number..... and again........
Thank you.........Please sign the card ....... Thank you.
You can use this at any ATM in Thailand and as a debit card.
CUSTOMER: Thanks.
JANE:You need to sign over here for your passbook, please.
And sign again please.
CUSTOMER: Over here?
JANE: Yes please......
(Jane puts the invisible signature on the passbook)
Okay madam. And here is your passbook. Your signature is now on the passbook.
CUSTOMER: Thank you very much
JANE: My pleasure madam. Have a nice day.
CUSTOMER: Okay bye.
CONVERSATION 3 -- CMB BANK, Hat Yai (JANE AND CUSTOMER)
JANE :สวัสดี
CUSTOMER: Hello, do you speak English?
JANE: Yes, I do sir.
CUSTOMER: I have an account here. I'd like to invest my money in a fixed deposit account.
JANE: Yes sir. We have 3 investment plans. Have a look at the brochure....
click and listen [ brochure ] http://translate.google.co.th/?hl=en#auto/th/brochure
CUSTOMER: I see. How much do I have to deposit?
JANE: This 6 month plan pays 2. 7 %. You must invest 500, 000 baht.
CUSTOMER: How long is this plan?
(customer points at brochure. It is in Thai language)
JANE: This plan is 8 months and pays 3. 25 %. You must invest minimum 500, 000 baht. And this plan you must invest minimum 100,000 baht. It pays 3%. The mature date is in 4 months. On the mature date we deduct 15 % government tax on the interest.
CUSTOMER:15 % tax !
JANE: Only on the interest not on the principal investment.
CUSTOMER: Thanks. Let me take this brochure.
JANE: Yes, you're welcome sir, have a nice day.
JANE: สวัสดี
CUSTOMER: Good morning. Do you speak English?
JANE: Yes sir, I do.
CUSTOMER: I need to open a bank account.
JANE: Okay sir, I need your work permit and passport, please.
CUSTOMER: I need a work permit?
JANE: Yes sir. All foreigners need a work permit or a 1 year visa to open a bank account in Thailand.
click and listen [foreigners] http://translate.google.co.th/?hl=en#auto/th/foreigners
CUSTOMER: But I am from Malaysia. ASEAN country.
JANE: So sorry sir, that is the banking rule of Thailand.
CUSTOMER: I see. Okay. Goodbye.
JANE: Goodbye sir.
CONVERSATION 2 -- CMB BANK, Hat Yai (JANE AND CUSTOMER)
JANE: Good morning madam.
CUSTOMER: Hello. Can I open a bank account? I'm a teacher.
JANE: Okay madam. I need your work permit and passport, please.
And 500 baht to open the account.
CUSTOMER: Here you are.
JANE: Just a moment please. I will make some copies.........
Please sign the copies.
CUSTOMER: Okay.
JANE: Please sign this form. Thank you madam. Just a moment please.
CUSTOMER: Can get an ATM card?
JANE: Yes madam. The charge is 300 baht.
CUSTOMER: Okay. Here you go.
JANE: Thank you.
Please enter your PIN number..... and again........
Thank you.........Please sign the card ....... Thank you.
You can use this at any ATM in Thailand and as a debit card.
CUSTOMER: Thanks.
JANE:You need to sign over here for your passbook, please.
And sign again please.
CUSTOMER: Over here?
JANE: Yes please......
(Jane puts the invisible signature on the passbook)
Okay madam. And here is your passbook. Your signature is now on the passbook.
CUSTOMER: Thank you very much
JANE: My pleasure madam. Have a nice day.
CUSTOMER: Okay bye.
CONVERSATION 3 -- CMB BANK, Hat Yai (JANE AND CUSTOMER)
JANE :สวัสดี
CUSTOMER: Hello, do you speak English?
JANE: Yes, I do sir.
CUSTOMER: I have an account here. I'd like to invest my money in a fixed deposit account.
JANE: Yes sir. We have 3 investment plans. Have a look at the brochure....
click and listen [ brochure ] http://translate.google.co.th/?hl=en#auto/th/brochure
CUSTOMER: I see. How much do I have to deposit?
JANE: This 6 month plan pays 2. 7 %. You must invest 500, 000 baht.
CUSTOMER: How long is this plan?
(customer points at brochure. It is in Thai language)
JANE: This plan is 8 months and pays 3. 25 %. You must invest minimum 500, 000 baht. And this plan you must invest minimum 100,000 baht. It pays 3%. The mature date is in 4 months. On the mature date we deduct 15 % government tax on the interest.
CUSTOMER:15 % tax !
JANE: Only on the interest not on the principal investment.
CUSTOMER: Thanks. Let me take this brochure.
JANE: Yes, you're welcome sir, have a nice day.
CONVERSATION -- 4 CMB BANK, HAT YAI
JANE: Good morning madam. How may I help I you?
CUSTOMER: I want to use my debit card online.
JANE: Of course madam. Please sit down. We need to activate your internet banking.
ทำให้การใช้งาน click and listen [activate] http://translate.google.co.th/?hl=en#en/th/activate
CUSTOMER: Okay. What should I do?
JANE: How much limit should I set on the card? 20, 000 per day?
CUSTOMER: No. That's too high. Set it for 8,000 baht per day.
JANE: Okay. Now, please fill out this form online.
(Jane turns the computer monitor to the customer. The customer fills in the form)
CUSTOMER: Okay. I'm finished.
JANE: Please click over here. Now enter your user name and your password over here.
CUSTOMER: Here?
JANE: Yes. Enter your password twice.
CUSTOMER: Okay.
JANE: And now click over here and you're done.
CUSTOMER: Now I can use my card online?
JANE: Yes madam. Up to the daily limit.
CUSTOMER: Thank you.
JANE: You're welcome madam.
JANE: Good morning madam. How may I help I you?
CUSTOMER: I want to use my debit card online.
JANE: Of course madam. Please sit down. We need to activate your internet banking.
ทำให้การใช้งาน click and listen [activate] http://translate.google.co.th/?hl=en#en/th/activate
CUSTOMER: Okay. What should I do?
JANE: How much limit should I set on the card? 20, 000 per day?
CUSTOMER: No. That's too high. Set it for 8,000 baht per day.
JANE: Okay. Now, please fill out this form online.
(Jane turns the computer monitor to the customer. The customer fills in the form)
CUSTOMER: Okay. I'm finished.
JANE: Please click over here. Now enter your user name and your password over here.
CUSTOMER: Here?
JANE: Yes. Enter your password twice.
CUSTOMER: Okay.
JANE: And now click over here and you're done.
CUSTOMER: Now I can use my card online?
JANE: Yes madam. Up to the daily limit.
CUSTOMER: Thank you.
JANE: You're welcome madam.
CONVERSATION 5 -- CMB BANK, Hat Yai ( JANE AND CUSTOMER)
JANE: Good morning sir. How may I help you?
CUSTOMER:I want to make a deposit please. 40 000 baht.
(customer gives Jane 40,000 baht. she puts it in the money counting machine)
JANE: Okay, please fill in the deposit slip. Write the amount over here. And write the account number please. And the name of the account holder. And sign please.
CUSTOMER: Okay.
(customer signs and passes the deposit slip to Jane)
(Jane enters the bank account number on the computer)
JANE: There is a 1 % deposit charge and 20 baht admin fee.
I need another 60 baht please.
CUSTOMER: But why must I pay? This is my bank account.
JANE: Your branch is in Pattaya, sir. So all other branches charge a deposit fee.
CUSTOMER: Oh. I see. Okay, 60 baht. Here you go.
(Jane takes the 60 baht)
JANE: Can I update your passbook, sir?
CUSTOMER: Yes. Thanks.
JANE: Here you are sir. Have a nice day.
CUSTOMER: You too.
JANE: Good morning sir. How may I help you?
CUSTOMER:I want to make a deposit please. 40 000 baht.
(customer gives Jane 40,000 baht. she puts it in the money counting machine)
JANE: Okay, please fill in the deposit slip. Write the amount over here. And write the account number please. And the name of the account holder. And sign please.
CUSTOMER: Okay.
(customer signs and passes the deposit slip to Jane)
(Jane enters the bank account number on the computer)
JANE: There is a 1 % deposit charge and 20 baht admin fee.
I need another 60 baht please.
CUSTOMER: But why must I pay? This is my bank account.
JANE: Your branch is in Pattaya, sir. So all other branches charge a deposit fee.
CUSTOMER: Oh. I see. Okay, 60 baht. Here you go.
(Jane takes the 60 baht)
JANE: Can I update your passbook, sir?
CUSTOMER: Yes. Thanks.
JANE: Here you are sir. Have a nice day.
CUSTOMER: You too.
SELF TEST 1
Take a piece of paper and write down numbers 1 - 15 .
Fill in the blanks in the conversation. Use the words below. (some words are wrong)
Write the answers on your paper.
signature
have
interest best
are
want
taxi pay
minus
form
minimum
copies
only put
best interest
open
your
sign
date
interest
some money
put money
save
moment
invest
pay
500 baht
problem
invest my money
JENNY: Good morning. How can I help you?
CUSTOMER: I would like to ____________ 1) a bank account.
JENNY: Do you have _________ 2) passport and work permit?
CUSTOMER: Yes, I do. __________ 3) you are.
JENNY: I will also need ___________ 4) to open the account.
CUSTOMER: Sure. No problem. Here you are.
JENNY: Thank you madam. Just a___________ 5) please. I will make some _________ 6)………
Please __________ 7) the copies. And please sign the ___________ 8) ...............
And over here too….. Thank you…........
(Jenny gets up then comes back with the passbook)
Please sign for your passbook over here….. and again over here…..
thank you......................
Okay madam. Now your________________ 9) is on the passbook. Here you go.
CUSTOMER: Thanks very much.
I want to _____________ 10). Can I open a fixed deposit account?
JENNY: Yes madam. We_________ 11) 3 plans.
CUSTOMER: Which plan pays the____________ 12) ?
JENNY: The 12 month plan. You need to invest _________ 13) 100, 000 baht. It pays 3 %.
CUSTOMER: What other plans do you have? I have 50, 000 I can_________ 14) .
JENNY: The 4 month plan which pays 2.2 % or the 8 month plan which pays 2.75 %.
Both plans you must invest more than 10,000 baht.
CUSTOMER: I see. I like the 8 month plan.
JENNY: We deduct 15 % government tax on the_______________ 15) , on the mature date.
CUSTOMER: Let me take the brochure and I’ll think about it.
JENNY: You’re welcome, madam. Have a nice day.
CUSTOMER: Thank you, bye.
Take a piece of paper and write down numbers 1 - 15 .
Fill in the blanks in the conversation. Use the words below. (some words are wrong)
Write the answers on your paper.
signature
have
interest best
are
want
taxi pay
minus
form
minimum
copies
only put
best interest
open
your
sign
date
interest
some money
put money
save
moment
invest
pay
500 baht
problem
invest my money
JENNY: Good morning. How can I help you?
CUSTOMER: I would like to ____________ 1) a bank account.
JENNY: Do you have _________ 2) passport and work permit?
CUSTOMER: Yes, I do. __________ 3) you are.
JENNY: I will also need ___________ 4) to open the account.
CUSTOMER: Sure. No problem. Here you are.
JENNY: Thank you madam. Just a___________ 5) please. I will make some _________ 6)………
Please __________ 7) the copies. And please sign the ___________ 8) ...............
And over here too….. Thank you…........
(Jenny gets up then comes back with the passbook)
Please sign for your passbook over here….. and again over here…..
thank you......................
Okay madam. Now your________________ 9) is on the passbook. Here you go.
CUSTOMER: Thanks very much.
I want to _____________ 10). Can I open a fixed deposit account?
JENNY: Yes madam. We_________ 11) 3 plans.
CUSTOMER: Which plan pays the____________ 12) ?
JENNY: The 12 month plan. You need to invest _________ 13) 100, 000 baht. It pays 3 %.
CUSTOMER: What other plans do you have? I have 50, 000 I can_________ 14) .
JENNY: The 4 month plan which pays 2.2 % or the 8 month plan which pays 2.75 %.
Both plans you must invest more than 10,000 baht.
CUSTOMER: I see. I like the 8 month plan.
JENNY: We deduct 15 % government tax on the_______________ 15) , on the mature date.
CUSTOMER: Let me take the brochure and I’ll think about it.
JENNY: You’re welcome, madam. Have a nice day.
CUSTOMER: Thank you, bye.
SELF TEST 2 –
Take a piece of paper and write the numbers 1-4. Read the text below and write down the best response a), b), c) or d).
1. CUSTOMER: Do you speak English?
BANK CLERK: __________________
a) Little bit.
b) Do you speak Thai?
c) Yes I do. How may I help you?
d) Yes can. How do we help you?
2. CUSTOMER: Good morning. What is the minimum amount for a fixed deposit account?
BANK CLERK:________________
a) Yes. Fixed deposit you must to invest 10, 000 baht.
b) 10,000 baht and the mature date is in 6 months.
c) 10, 000 baht and mature account in 6 months.
d) You must invest 10,000 baht fixed for 6 months then date mature.
3. CUSTOMER: What do I need to open a bank account?
BANK CLERK: _______________________
a) Passport. Work permit and please open account.
b) Foreigners can not open a bank account with passport work permit.
c) Please bring your passport and work permit.
d) Bring passport and work permit please to open bank account, thank you.
4. CUSTOMER: How do I use my debit card online?
BANK CLERK: _____________________
a) Please sit down. We need to activate your internet banking.
b) Please sit down. We make internet bank and so you can.
c) Please sit down. Internet banking first put pin code then can.
d) Please you sit down We must to activate the internet banking.
SELF TEST 3 –
Write down 1-4 on your paper. Read the text below and answer True (T) or False (F).
1. There is government tax of 15 % on fixed deposit accounts in Thailand.
2. The customer must deposit 100 baht to open a bank account.
3. If you don't understand the customer you must smile.
4. "Mature date" means: the date the customer can withdraw his/her money from the fixed deposit account.
check your answers on the answers page and - click here
Take a piece of paper and write the numbers 1-4. Read the text below and write down the best response a), b), c) or d).
1. CUSTOMER: Do you speak English?
BANK CLERK: __________________
a) Little bit.
b) Do you speak Thai?
c) Yes I do. How may I help you?
d) Yes can. How do we help you?
2. CUSTOMER: Good morning. What is the minimum amount for a fixed deposit account?
BANK CLERK:________________
a) Yes. Fixed deposit you must to invest 10, 000 baht.
b) 10,000 baht and the mature date is in 6 months.
c) 10, 000 baht and mature account in 6 months.
d) You must invest 10,000 baht fixed for 6 months then date mature.
3. CUSTOMER: What do I need to open a bank account?
BANK CLERK: _______________________
a) Passport. Work permit and please open account.
b) Foreigners can not open a bank account with passport work permit.
c) Please bring your passport and work permit.
d) Bring passport and work permit please to open bank account, thank you.
4. CUSTOMER: How do I use my debit card online?
BANK CLERK: _____________________
a) Please sit down. We need to activate your internet banking.
b) Please sit down. We make internet bank and so you can.
c) Please sit down. Internet banking first put pin code then can.
d) Please you sit down We must to activate the internet banking.
SELF TEST 3 –
Write down 1-4 on your paper. Read the text below and answer True (T) or False (F).
1. There is government tax of 15 % on fixed deposit accounts in Thailand.
2. The customer must deposit 100 baht to open a bank account.
3. If you don't understand the customer you must smile.
4. "Mature date" means: the date the customer can withdraw his/her money from the fixed deposit account.
check your answers on the answers page and - click here
SELF TEST 4 –
Record yourself and listen
*Read the instructions.
*Then take your mobile phone or plug a microphone into the computer, so you can record your conversation.
*Next, role-play with a friend and record your conversation. Follow the information below as a guide to your role-play.
*Do Not use a script.
*Finally, go to the answers page and read the check-list.
Instructions: Role-play 1
Student A works for the bank.
Student B is a customer at the bank.
She/ he wants to invest money into a fixed deposit account. She has 75,000 baht.
Student A must explain about the 3 investment plans.
Blue Plan: 4 months -- minimum 10,000 baht 2.3 % interest
Silver Plan: 8 months -- minimum 50, 000 baht 2.85 % interest
Gold Plan: 12 months -- minimum 100, 000 baht 3 % interest
Instructions: Role-play 2
Student A works for the bank in Hat Yai.
Student B is a customer. He /she wants to deposit 30, 000 baht. But this bank is not his / her branch so there is a deposit fee. Student A must take the make the deposit and explain to the customer about the deposit fee.
now click here and go to the answers page
End of Retail Banking
Record yourself and listen
*Read the instructions.
*Then take your mobile phone or plug a microphone into the computer, so you can record your conversation.
*Next, role-play with a friend and record your conversation. Follow the information below as a guide to your role-play.
*Do Not use a script.
*Finally, go to the answers page and read the check-list.
Instructions: Role-play 1
Student A works for the bank.
Student B is a customer at the bank.
She/ he wants to invest money into a fixed deposit account. She has 75,000 baht.
Student A must explain about the 3 investment plans.
Blue Plan: 4 months -- minimum 10,000 baht 2.3 % interest
Silver Plan: 8 months -- minimum 50, 000 baht 2.85 % interest
Gold Plan: 12 months -- minimum 100, 000 baht 3 % interest
Instructions: Role-play 2
Student A works for the bank in Hat Yai.
Student B is a customer. He /she wants to deposit 30, 000 baht. But this bank is not his / her branch so there is a deposit fee. Student A must take the make the deposit and explain to the customer about the deposit fee.
now click here and go to the answers page
End of Retail Banking