Bank va pul haqida gapirish uchun avval to‘rtta fe’l kerak: deposit (hisobga pul qo‘ymoq), withdraw (pul yechib olmoq), transfer (pul o‘tkazmoq) va pay (to‘lamoq). Ularning barchasi account (hisob raqam) va card (karta) bilan ishlaydi: I withdrew cash from my account — Hisobimdan naqd pul yechib oldim.
Diqqat qiling: o‘zbekchadagi “kredit” inglizchada ko‘pincha loan bo‘ladi. I took a credit emas, I took out a loan deysiz. Quyida 45 ta so‘z to‘rt guruhda: tarjima, birikma va misol gap. So‘zlarni B1–B2 darajada, IELTS va Multilevel matnlarida ham uchratasiz.
Hisob va karta: 12 so‘z
| So‘z | Tarjima | Birikmalar | Misol |
|---|---|---|---|
| account | hisob raqam | open an account, close an account | I opened an account online in ten minutes. |
| current account | joriy hisob | pay into a current account | My salary goes into my current account. |
| savings account | jamg‘arma hisobi | put money into a savings account | She keeps her dollars in a savings account. |
| balance | qoldiq, balans | check your balance | Let me check my balance before I pay. |
| debit card | debet karta (o‘z pulingiz) | pay by debit card | I pay for groceries by debit card. |
| credit card | kredit karta (bank puli) | a credit card limit | A credit card lets you spend the bank’s money. |
| PIN | PIN-kod | enter your PIN | Enter your PIN and press OK. |
| expiry date | amal qilish muddati | check the expiry date | My card’s expiry date is next month. |
| statement | hisob ko‘chirmasi | a bank statement | The embassy asked for a bank statement. |
| branch | bank filiali | the nearest branch | The branch on Amir Temur Street closes at five. |
| cash machine / ATM | bankomat | take money out of an ATM | The ATM ate my card! |
| mobile banking app | bank ilovasi | log in to the app | I pay all my bills in the mobile banking app. |
Debit card va credit card farqi muhim: birinchisida o‘z hisobingizdagi pulni sarflaysiz, ikkinchisida bank bergan qarz limitini. O‘zbekistonda tanish bo‘lgan Uzcard va Humo kartalarini chet ellikka a local debit card deb tushuntirish yetarli.
Pul harakati va valyuta: 12 so‘z
| So‘z | Tarjima | Birikmalar | Misol |
|---|---|---|---|
| deposit / pay in | hisobga qo‘ymoq | deposit cash, pay money in | I deposited my prize money yesterday. |
| withdraw / take out | yechib olmoq | withdraw cash, take out money | You can withdraw up to a daily limit. |
| transfer | o‘tkazmoq | transfer money to, a bank transfer | I transferred the rent to my landlord. |
| send money | pul jo‘natmoq | send money abroad | My brother sends money home from Korea. |
| receive | qabul qilmoq | receive a payment | Did you receive my transfer? |
| top up | to‘ldirmoq | top up your phone | I topped up my phone with the app. |
| exchange | almashtirmoq | exchange dollars for sums | Where can I exchange euros? |
| charge | haq olmoq | charge a fee | Does the bank charge a fee for transfers? |
| owe | qarzdor bo‘lmoq | owe someone money | I still owe you fifty thousand for lunch. |
| lend / borrow | qarz bermoq / qarz olmoq | lend money to, borrow money from | Can I borrow some money? I’ll pay you back on Friday. |
| currency | valyuta | foreign currency, local currency | You can pay in local currency or in dollars. |
| exchange rate | valyuta kursi | a good exchange rate, the exchange rate for | Check the exchange rate in the app before you go. |
Eng ko‘p chalkashadigan juftlik: lend — beraman, borrow — olaman. Can you borrow me money? xato. To‘g‘risi: Can you lend me some money? yoki Can I borrow some money?
Kredit, foiz va jamg‘arma: 13 so‘z
| So‘z | Tarjima | Birikmalar | Misol |
|---|---|---|---|
| loan | qarz, kredit | take out a loan, pay off a loan | They took out a loan to buy a flat. |
| mortgage | ipoteka | get a mortgage | A mortgage usually lasts many years. |
| interest | foiz | pay interest, earn interest | You pay interest on a loan and earn interest on savings. |
| interest rate | foiz stavkasi | a high interest rate | Compare the interest rate at three banks first. |
| instalment | bo‘lib to‘lash qismi | pay in instalments | I bought the phone in twelve instalments. |
| debt | qarz | be in debt, get into debt | He got into debt after the wedding. |
| repay / pay back | qaytarmoq | repay a loan | You must repay the loan on time. |
| savings | jamg‘arma | spend your savings | We spent all our savings on the trip. |
| save up for | … uchun pul yig‘moq | save up for a car | I’m saving up for a laptop. |
| budget | byudjet | stick to a budget | Students need to stick to a budget. |
| deposit (for a flat) | zaklad, oldindan to‘lov | pay a deposit | We paid a deposit for the flat. |
| fee | to‘lov, xizmat haqi | a monthly fee, tuition fees | The card has no monthly fee. |
| credit history | kredit tarixi | a good credit history | Paying on time builds a good credit history. |
Credit inglizchada mavjud, lekin u ko‘proq “qarz berish imkoniyati” ma’nosida: buy on credit, a credit limit. Bankdan olingan aniq summa — a loan.
Xavfsizlik: 8 so‘z
| So‘z | Tarjima | Birikmalar | Misol |
|---|---|---|---|
| block a card | kartani bloklamoq | block your card at once | I lost my wallet, so I blocked my card. |
| fraud | firibgarlik | card fraud, report fraud | Call the bank if you notice fraud. |
| verification code | tasdiqlash kodi | never share a code | The bank will never ask for your verification code. |
| suspicious | shubhali | a suspicious call, suspicious activity | I got a suspicious message about a prize. |
| unauthorised | ruxsatsiz | an unauthorised payment | There’s an unauthorised payment on my statement. |
| dispute | e’tiroz bildirmoq | dispute a transaction | You can dispute a payment you didn’t make. |
| receipt | chek | keep the receipt | Keep the receipt from the ATM. |
| helpline | qo‘ng‘iroq markazi | call the helpline | The number of the helpline is on the back of your card. |
Yangilik uslubidagi namuna matn
Matn o‘quv mashqi uchun yozilgan; bank va raqamlar to‘qima.
Bank warns customers about fake calls
A bank has warned its customers about a new type of fraud. Callers pretend to be bank staff and say that there is a suspicious payment on the customer’s account. They then ask for the verification code “to block the card”. In reality, the code lets them transfer money out of the account. The bank reminded customers that its staff will never ask for a code or a PIN. Anyone who receives such a call should hang up and phone the official helpline on the back of their card.
Bankdagi to‘liq suhbatlar — hisob ochish, valyuta almashtirish, bankomat kartani qaytarmagan holat — bankda inglizcha dialog sahifasida. Bu yerda bitta qisqa qo‘ng‘iroq bor.
Dialog: bank qo‘ng‘iroq markaziga
Operator: Good morning, customer service. How can I help?
Dilshod: Hi. I think there’s an unauthorised payment on my card. I didn’t buy anything online yesterday.
Operator: I’m sorry to hear that. Can you confirm your full name and date of birth?
Dilshod: Dilshod Rakhimov, the twelfth of March, 1998.
Operator: Thank you. I can see a payment to an online shop at 11:40 p.m. Is that the one?
Dilshod: Yes. I was asleep then.
Operator: I’ll block the card now and start a dispute. We’ll send you a new card.
Dilshod: How long will the dispute take?
Operator: It depends on the case. We’ll send you updates by SMS.
Dilshod: Thanks. Should I change my app password too?
Operator: Yes, that’s a good idea. And remember, we never ask for your verification code.
Pul haqidagi 5 ta kalka xato
| Xato | To‘g‘ri | Nega |
|---|---|---|
| I took a credit from the bank. | I took out a loan from the bank. | Aniq summa — loan. |
| Can you borrow me 100,000? | Can you lend me 100,000? | Beruvchi — lend. |
| I want to take money from the bankomat. | I want to take money out of the cash machine. | Bankomat — ruscha so‘z. |
| The bank gives 20 percents. | The bank pays 20% interest. | Interest so‘zi kerak, percent ko‘plikda o‘zgarmaydi. |
| I paid with card. | I paid by card. | by card, in cash. |
Mashq
A. Mos so‘zni tanlang.
- 1. Can I ______ your pen? (lend / borrow)
- 2. I ______ 200,000 sums from the ATM. (withdrew / deposited)
- 3. They took out a ______ to buy a car. (loan / credit card)
- 4. Always check your ______ before a big purchase. (balance / branch)
- 5. I paid for the laptop in six ______. (instalments / statements)
B. Gapni tugating.
- 6. Somebody used my card, so I ______ it at once.
- 7. I’m ______ up for a trip to Istanbul.
- 8. He still ______ me money from last month.
- 9. The bank doesn’t ______ a fee for transfers inside the app.
- 10. Never share your ______ code with anyone.
Javoblar
1 — borrow; 2 — withdrew; 3 — loan; 4 — balance; 5 — instalments; 6 — blocked; 7 — saving; 8 — owes; 9 — charge; 10 — verification.
Bank qo‘ng‘irog‘ini Bandi bilan mashq qiling
BandMate ilovasida Bandi bilan yuqoridagi qo‘ng‘iroqni rolga bo‘lib o‘ynang: avval siz mijoz, keyin operator bo‘ling. Ilova lend/borrow yoki by card kabi xatolarni ko‘rsatadi. Pul haqida yanada jonli gapirish uchun pul haqida idiomalar sahifasini oching, narx, inflyatsiya va soliq so‘zlari esa iqtisod so‘zlari inglizcha sahifasida.
BandMate’ni Google’da afzal manba qiling
