Bank xodimiga ingliz tili asosan uch vaziyatda kerak: xorijiy mijozga xizmat (hisob ochish, karta, o‘tkazma), xalqaro to‘lovlar (beneficiary, correspondent bank, charges, MT103) va compliance yozishmalari (KYC, source of funds, supporting documents). Eng foydali birinchi ibora: Could you confirm the purpose of the payment, please? U deyarli har kuni kerak bo‘ladi.
Bu sahifa til haqida. Unda moliyaviy, soliq yoki valyuta nazorati bo‘yicha maslahat yo‘q: aniq qoidalar Markaziy bank hujjatlari va bankingizning ichki tartibida. Kompaniya va ismlar o‘ylab topilgan.
Toshkentdagi bankda ingliz tili qayerda ishlatiladi
- Filialdagi operatsionist — chet ellik talaba, diplomat yoki xorijiy kompaniya xodimi hisob ochmoqchi, karta bloklangan yoki pul kelmagan.
- Xalqaro to‘lovlar bo‘limi — xorijiy bank bilan so‘rov almashish, to‘lovni kuzatish, rekvizit xatosini tuzatish.
- Korporativ menejer — eksport qiluvchi mijoz bilan shartnoma va invoys bo‘yicha yozishma.
- Compliance va risk — xorijiy hamkor bankning so‘rovnomasiga javob, mijozdan qo‘shimcha hujjat so‘rash.
- Karta bo‘limi — xalqaro to‘lov tizimlari bilan nizo (dispute) yozishmalari.
Mijoz sifatida bankda gaplashish kerak bo‘lsa, bankda inglizcha dialoglar sahifasini oching. Bu sahifa esa peshtaxtaning narigi tomoni uchun.
Mijoz, hisob va karta: 15 atama
| Inglizcha | O‘zbekcha | Misol |
|---|---|---|
| account holder | hisob egasi | Only the account holder can sign this form. |
| current account | joriy hisob | Your salary will go to the current account. |
| deposit account | omonat hisobi | The deposit account has a fixed term. |
| account statement | hisob ko‘chirmasi | I’ll print a statement for the last three months. |
| balance | qoldiq | Your available balance is shown in the app. |
| proof of identity | shaxsni tasdiqlovchi hujjat | We need your passport as proof of identity. |
| proof of address | manzilni tasdiqlovchi hujjat | A rental agreement can be proof of address. |
| debit card | debet karta | Your debit card will be ready in five working days. |
| block / unblock a card | kartani bloklash / blokdan chiqarish | I’ve blocked the card for your safety. |
| PIN | PIN-kod | Please enter your PIN on the keypad. |
| cash withdrawal | naqd pul yechish | There is a daily limit on cash withdrawals. |
| fee / charge | to‘lov, komissiya | The fee is shown before you confirm. |
| exchange rate | valyuta kursi | Today’s exchange rate is on the screen. |
| branch | filial | You can collect the card at any branch. |
| queue number | navbat raqami | Please take a queue number and wait. |
Xalqaro o‘tkazmalar: 15 atama
| Inglizcha | O‘zbekcha | Misol |
|---|---|---|
| incoming / outgoing payment | kiruvchi / chiquvchi to‘lov | The incoming payment arrived this morning. |
| remitter (sender) | jo‘natuvchi | The remitter’s name must match the contract. |
| beneficiary | oluvchi (benefitsiar) | Please check the beneficiary’s account number. |
| beneficiary bank | oluvchi bank | The beneficiary bank is in Istanbul. |
| correspondent bank | vakil bank (korrespondent) | The payment goes through a correspondent bank. |
| intermediary bank | vositachi bank | An intermediary bank may deduct a fee. |
| SWIFT / BIC code | bankning SWIFT kodi | Please send the SWIFT code of your bank. |
| bank details | bank rekvizitlari | Here are our bank details for the invoice. |
| payment reference | to‘lov izohi | Put the invoice number in the payment reference. |
| purpose of payment | to‘lov maqsadi | The purpose of payment is “payment for cotton yarn”. |
| value date | valyutalash sanasi | The value date is 14 October. |
| MT103 | mijoz o‘tkazmasi bo‘yicha SWIFT xabari | Could you send us a copy of the MT103? |
| OUR / SHA / BEN | komissiyani kim to‘laydi: jo‘natuvchi / bo‘lishiladi / oluvchi | With SHA, each side pays its own bank’s fees. |
| trace a payment | to‘lovni kuzatish | We have asked the correspondent bank to trace the payment. |
| return / recall | to‘lovni qaytarish / chaqirib olish | The sender’s bank has requested a recall. |
Compliance, kredit va hujjat: 15 atama
| Inglizcha | O‘zbekcha | Misol |
|---|---|---|
| KYC (know your customer) | mijozni bilish tartibi | We update KYC data every year. |
| AML | pul yuvishga qarshi kurash | AML rules apply to every transfer. |
| source of funds | mablag‘ manbai | Please explain the source of funds. |
| supporting documents | tasdiqlovchi hujjatlar | Please upload the supporting documents. |
| contract | shartnoma | The contract number is missing. |
| invoice | invoys, hisob-faktura | The amount does not match the invoice. |
| on hold | to‘xtatilgan | The payment is on hold until we get the contract. |
| screening | tekshiruv (sanksiya ro‘yxati bo‘yicha) | All payments go through screening. |
| loan | kredit | She applied for a loan last month. |
| collateral | garov | The car is used as collateral. |
| interest rate | foiz stavkasi | The interest rate is fixed for the first year. |
| repayment schedule | to‘lov jadvali | Here is your repayment schedule. |
| overdue | muddati o‘tgan | The payment is ten days overdue. |
| letter of credit | akkreditiv | The exporter asked for a letter of credit. |
| complaint | shikoyat, murojaat | We will reply to your complaint within the set deadline. |
Xalqaro to‘lov bo‘yicha tayyor iboralar
Mijozga tushuntirish:
- The payment is on hold because we need a copy of the contract.
- The sender’s bank has not sent the funds yet. Could you ask the sender for the MT103?
- The name in the payment does not match the account holder’s name.
- With SHA charges, the amount you receive may be lower because of intermediary bank fees.
Xorijiy bankka yozish:
- We kindly ask you to trace the payment below and confirm its status.
- Please confirm whether the funds were debited from the remitter’s account.
- Please amend the beneficiary name as follows.
Xavfsizlik iborasi, har bir xodim yod bilishi kerak: The bank will never ask for your PIN, card code or SMS code. Please don’t share them with anyone, even if they say they are from the bank.
Dialog: xorijiy mijozning to‘lovi ushlanib qoldi
Toshkentdagi bank filiali. A — korporativ menejer Dilnoza, B — to‘qimachilik kompaniyasining moliya menejeri Mehmet.
A: Good morning, Mr Yilmaz. How can I help you?
B: Good morning. Our client in Germany sent us a payment three days ago, but we still haven’t received it.
A: Let me check. Could you tell me the amount and the sender’s name?
B: Forty-two thousand euros, from Keller Textil.
A: Thank you. Yes, I can see the payment. It’s on hold at the moment.
B: On hold? Why?
A: The purpose of payment says “advance for goods”, but we don’t have the contract with Keller Textil in your file. We need it before we can credit the funds.
B: I see. Is the contract enough?
A: The contract and the invoice, please. You can upload scanned copies in the client portal.
B: Fine. I’ll upload them today. When will the money be on our account?
A: After our team checks the documents. Usually it doesn’t take long, but I can’t promise an exact time. I’ll call you as soon as it’s credited.
B: Thank you. One more thing: the amount was forty-two thousand, but will we get less?
A: Possibly. The payment was sent with SHA charges, so an intermediary bank may take a fee. You’ll see the final amount in your statement.
B: Understood. Thanks for your help.
E’tibor bering: Dilnoza aniq muddat va’da qilmadi (I can’t promise an exact time) va keyingi qadamni aytdi (I’ll call you). Mijoz bilan muloqotning umumiy iboralari customer service English sahifasida.
Namuna xat: kiruvchi to‘lov uchun hujjat so‘rash
Subject: Incoming payment EUR 42,000 from Keller Textil GmbH: documents required
Dear Mr Yilmaz,
Thank you for visiting our branch today.
As discussed, we have received an incoming payment of EUR 42,000.00 from Keller Textil GmbH (value date 14 October). The payment is currently on hold.
To credit the funds to your account, please provide the contract with Keller Textil GmbH, signed by both parties, and the invoice mentioned in the payment reference (No. 118/2026).
You can upload scanned copies in the client portal or send them to this email address. Once we receive the documents, our team will review them and I will inform you of the result.
If you have any questions, please call me on the number below.
Kind regards,
Dilnoza Karimova
Corporate Relationship Manager
Tuzilma: nima bo‘ldi (summa, jo‘natuvchi, sana) → holat (on hold) → aniq ro‘yxat → qayerga yuborish → keyingi qadam. Xat ochish va yopish variantlari ish xati namunalari sahifasida.
Summa yozishda ingliz tili qoidasi: ming vergul bilan, tiyin nuqta bilan ajratiladi (EUR 42,000.00). Ovoz chiqarib o‘qish uchun katta sonlarni inglizcha o‘qish sahifasida mashq qiling.
Rus va o‘zbek tilidan kelgan bank kalkalari
| Kalka | To‘g‘ri variant |
|---|---|
| Send me your requisites. | Please send me your bank details. |
| I want to take a credit. | I’d like to apply for a loan. |
| The commission is 1%. | The fee is 1%. (commission ham ishlatiladi, lekin fee odatiyroq) |
| Plastic card | card / debit card |
| The money came to your account. | The funds have been credited to your account. |
| Give me your passport data. | Could I see your passport, please? |
| Payment is stopped. | The payment is on hold. |
| Fill this blank. | Please fill in this form. (blank = bo‘sh joy) |
Mashq: bank gaplarini to‘ldiring
So‘zlar: beneficiary, on hold, purpose, trace, bank details, credited, source of funds, intermediary, PIN, statement.
- 1. Please write the ______ of payment in English.
- 2. The funds have been ______ to your account.
- 3. The payment is ______ until we receive the contract.
- 4. We will never ask for your ______.
- 5. An ______ bank may deduct a small fee.
- 6. Could you send me your ______ for the invoice?
- 7. Please check the ______’s name: it must match the account.
- 8. We asked the correspondent bank to ______ the payment.
- 9. For a large cash deposit, we may ask about the ______.
- 10. I’ll email you the ______ for September.
Javoblar
1 — purpose; 2 — credited; 3 — on hold; 4 — PIN; 5 — intermediary; 6 — bank details; 7 — beneficiary; 8 — trace; 9 — source of funds; 10 — statement.
5-gapda an intermediary keladi: so‘z unli tovush bilan boshlangani uchun a emas, an.
Peshtaxtada gapirishni mashq qilish
Mijoz asabiy bo‘lganda sekin va aniq gapirish kerak. BandMate ilovasida Bandi bilan rol o‘ynang: u pulini kutayotgan mijoz bo‘ladi, siz holatni tushuntirib, hujjat so‘raysiz va keyingi qadamni aytasiz. Ilova talaffuzingiz bo‘yicha fikr beradi. Hisobot va raqam izohlash tili esa buxgalterlar uchun ingliz tili sahifasida.
BandMate’ni Google’da afzal manba qiling
