[speaker001:] Which services offered by your band do you use most?
[speaker002:] I use several services. Of course, I deposit and withdraw money quite often. I often use my ATM card to take money out of my current account. I use my bank to exchange money form once currency t
[speaker001:] Do you ever ask you bank for traveller's cheques? They are much safer than carrying lots of cash around.
[speaker002:] I sometimes use traveller's cheques, but sometimes I travel to countries where they are hard to exchange for cash.
[speaker001:] Do you use your bank to pay your utility bills? I use direct debit.
[speaker002:] Yes, I do. It saves me a lot of time. I also have standing orders for my subscriptions to magazines.
[speaker001:] That 's good idea. You don 't need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too.
[speaker002:] Yes. My bank offers very good terms and conditions on mortgage. There 's a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others.
[speaker001:] I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher.
[speaker002:] I don 't have one. I prefer to buy shares. My bank also provides a share trading service. It 's cheap and easy to use.
[speaker001:] That 's great. But I prefer to put my money somewhere where the returns are more certain.