シャドーイング練習: Learn English FAST: Banking & Money Matters – Day 17 | Shadowing English Speaking Practice - 動画で英語スピーキングを学ぶ

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Hello, everyone.
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Welcome back to Speak English Daily.
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I'm Emma.
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Today is Day 17 of our 30 -Day English Shadowing Challenge.
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One topic every day to make your English feel natural, confident, and real.
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Today, we're mastering banking and money matters in English.
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Picture this.
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You're at the bank, trying to open an account.
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The staff explains different options.
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This checking account has a monthly fee, but it's waived with direct deposit.
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The savings account earns 2 .5 % APY with a minimum balance.
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You nod and smile.
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But inside, you're lost.
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You sign papers you don't fully understand.
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Later, you discover fees you never knew about. Or this.
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Your card is declined at the grocery store.
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Embarrassing.
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You call customer service.
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Your account shows suspicious activity from yesterday's online purchase.
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You can't explain it properly in English.
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They keep your card blocked for security reasons.
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Now you're stuck with no access to your own money.
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Sound familiar?
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You're not alone.
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Money conversations in English aren't just about vocabulary.
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They're about your financial freedom them.
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When you don't understand banking terms, you can't make smart money decisions.
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When you can't ask the right questions, you might pay unnecessary fees.
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When you avoid financial conversations, you miss opportunities to grow your wealth.
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But here's what banks don't tell you.
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Most banking English uses the same 90 phrases over and over.
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Once you master these, every bank visit becomes easy.
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Every money conversation becomes confident.
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Every financial decision becomes informed.
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after today's lesson banking will feel simple
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and stress -free today you'll master 90 essential banking phrases real conversations
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that solve actual problems confidence -building practice for any financial discussion.
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No more cash -only living.
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No more avoiding banks.
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No more financial confusion.
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You'll open accounts confidently, understand every banking term, and manage your money like a pro,
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whether you're in London, Sydney, Toronto, or New York.
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Your financial confidence in English starts today.
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Let's make it happen.
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90 Essential Banking Phrases, Shadowing Practice
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90 carefully chosen phrases that banking professionals and customers use every single day, worldwide.
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These aren't textbook sentences.
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They're real financial conversation builders.
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Here's exactly how to maximize your learning.
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Step 1.
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Listen to my first version, natural speed.
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Focus on the confidence and clarity.
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Step 2.
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Shadow the slow version.
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Match my pronunciation, stress patterns, and professional tone exactly use pauses
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and speak with intention step 3 shadow the natural speed version
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again ready let's build your banking voice ready
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let's build your financial English opening an account the foundation phrases for starting your banking relationship.
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Memory trick.
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Think new start.
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I'd like.
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What type?
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What documents?
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How much? Is there?
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Can you explain?
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These are your account opening essentials.
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I'd like to open a bank account.
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I'd like to open a bank account.
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I'd like to open a bank account.
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What types of accounts do you offer?
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What documents do I need?
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What documents do I need?
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How much is the minimum deposit?
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Is there a monthly fee?
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is there a monthly fee is there a monthly
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fee can you explain the difference can you
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explain the difference can you explain the difference I need a checking account I need a checking account.
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I need a checking account.
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I'm interested in a savings account.
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I'm interested in a savings account.
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I'm interested in a savings account.
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What's the interest rate?
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What's the interest rate? rate.
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What's the interest rate?
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Are there any hidden fees?
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How do I apply online?
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How do I apply online?
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Can I open it today?
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Can I open it today?
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Can I open it today?
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Perfect.
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You're ready to start any banking relationship.
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Now, let's learn how to handle everyday
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transactions making transactions essential phrases for deposits withdrawals
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and transfers memory trick remember money moves I'd like to How much? Can I?
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What's my?
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I need to.
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Please transfer.
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These are your transaction tools.
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I'd like to make a deposit.
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I'd like to make a deposit.
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I'd like to make a deposit deposit.
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I need to withdraw some cash.
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I need to withdraw some cash.
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I need to withdraw some cash.
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How much would you like to deposit?
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How much would you like to deposit?
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How much Can I check my account balance?
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Can I check my account balance?
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What's my current balance?
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I need to transfer money.
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I need to transfer money.
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I need to transfer money.
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Please transfer to my savings account.
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Please transfer to my savings account.
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Please transfer to my savings account.
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Can I deposit this check?
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Can I deposit this check?
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Can I deposit this check?
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How long will it take to clear?
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How long will it take to clear? here?
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How long will it take to clear?
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I'd like to make a payment.
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I'd like to make a payment.
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I'd like to make a payment.
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Can I pay my bills here?
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Can I pay my bills here?
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Can I pay my bills here?
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What's the transaction fee?
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What's the transaction fee?
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What's the transaction fee?
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I need a receipt, please.
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I need a receipt, please.
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Is there a daily withdrawal limit?
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Can I do this at the ATM?
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Can I do this at the ATM?
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Can I do this at the ATM?
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Excellent.
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Your everyday banking is smooth now.
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Let's master ATM conversations and troubleshooting.
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ATM and card issues.
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Solving the most common banking problems quickly.
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Memory trick.
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Think card problems.
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My card.
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The ATM.
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I can't.
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Something's wrong.
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Please help.
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These are your problem -solving phrases.
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My card isn't working.
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My card isn't working working.
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My card isn't working.
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The ATM ate my card.
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The ATM ate my card.
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The ATM ate my card.
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I can't remember my pin.
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I can't remember my pin.
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I can't remember my pin.
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My card is blocked.
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I need to reset my PIN.
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I need to reset my PIN.
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The machine won't accept my card.
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The machine won't accept my card.
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The machine won't accept my card.
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Something's wrong with my account.
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Something's wrong with my account.
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Something's wrong with my account.
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I can't access my money.
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I can't access my money.
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I can't access my money.
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The ATM is out of order.
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The ATM is out of order.
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The ATM is out of order.
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I need a replacement card.
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I need a replacement card.
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I need a replacement card.
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How long will it take?
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How long will it take?
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How long will it take?
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Can I get temporary access?
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Can I get temporary access?
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Can I get temporary access?
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Fantastic!
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You can solve any card problem now.
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Let's learn Loan and Credit Conversations.
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Loans and Credit Building Your Financial Future with Confident Credit Discussions
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Mamalitrick.
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Remember future money.
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I'm interested.
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What are?
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How much?
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What's required?
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Can I qualify?
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What's the process?
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These are your credit -building words.
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I'm interested in a personal loan.
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What are the requirements?
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What are the requirements?
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What are the requirements?
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How much can I borrow?
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How much can I borrow?
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What's the interest rate? rate?
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What's the interest rate?
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What documents do I need?
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Can I qualify for a credit card? can
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I qualify for a credit card can I qualify for a credit card
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what's my credit limit what's my credit limit what's my credit limit
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how do i build credit history how do i build credit history how do i build credit history
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what's the monthly payment what's the monthly payment what's the monthly payment Are there any penalties?
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Can I pay it off early?
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What's the application process?
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What's the application process?
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What's the application process?
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How long does approval take?
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How long does approval take?
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How long does approval take?
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Outstanding!
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You're building wealth and credit, confidently.
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Now, let's handle investment and savings conversations.
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Savings and Investments Growing your money with smart financial English
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memory trick think money growth i want to save what options
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how does it work what's the return is it safe these
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are your wealth building vocabulary i want to save for the future
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i want to save for the future i want to save for the future What savings options do you have?
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What savings options do you have?
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What savings options do you have?
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How does a fixed deposit work?
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How does a fixed deposit work?
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How does a fixed deposit work?
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Thank you.
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What's the return on investment?
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Is my money safe here?
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Is my money safe here?
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Is my money safe here?
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Can I access it anytime?
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Can I access it anytime?
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Can I access it anytime?
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What happens if I need it early?
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What happens if I need it early?
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What happens if I need it early?
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How often is interest paid?
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How often is interest paid?
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How often is interest paid?
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what's the minimum amount what's the minimum amount what's the minimum amount
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can you recommend something can you recommend something Can you recommend something?
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Beautiful.
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You're a smart investor now.
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Let's master business banking conversations.
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Business banking.
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Professional phrases for business financial needs.
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Memory trick.
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Remember business money.
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I need a business.
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What services?
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How much?
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What documents?
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Can you help?
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These are your professional banking tools.
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I need a business account.
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I need a business account.
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I need a business account.
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what services do you offer businesses what services do you offer businesses what services do you offer businesses
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how much are the fees how much are the fees
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how much are the fees do you offer business
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loans do you offer business loans do you
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offer business loans I need to process payments
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I need to process payments I need to
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process payments can you help with payroll can you help with payroll?
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Can you help with payroll?
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What documents do I need?
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What documents do I need?
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What documents do I need?
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You have online banking?
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Do you have online banking?
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Do you have online banking?
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I need multiple authorized users.
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I need multiple authorized users.
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I need multiple authorized users.
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What about international transfers?
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What about international transfers?
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What about international transfers?
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Can we schedule regular payments?
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Can we schedule regular payments?
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Can we schedule regular payments?
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Perfect.
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Your business banking is professional now.
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Let's learn International Money Conversations.
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International Banking Handling money across borders with confidence Memory trick?
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Think global money.
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I need to send, what's the rate?
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How long?
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What information?
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Are there fees?
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These are your international banking phrases.
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I need to send money overseas.
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I need to send money overseas.
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I need to send money overseas.
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What's the exchange rate today?
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What's the exchange rate today?
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What's the exchange rate today?
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How long will the transfer take?
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How long will the transfer take?
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How long will the transfer take?
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What information do you need?
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What information do you need?
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what information do you need are there any fees are there any fees are there any fees
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can i receive money from abroad can i receive money from abroad can i receive money from abroad
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Do you accept foreign checks?
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I need to exchange currency.
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What's the best way to send money?
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the best way to send money?
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What's the best way to send money?
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Incredible!
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You're globally connected now.
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Let's finish with customer service phrases.
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Customer service.
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getting help
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and resolving any banking issue memory trick remember get help I
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have a problem can you help I need to speak something's
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not right can you explain I don't understand these are your service phrases.
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I have a problem with my account.
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I have a problem with my account.
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I have a problem with my account.
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Can you help me understand this?
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Can you help me understand this?
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Can you help me understand this?
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I need to speak to a manager.
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I need to speak to a manager.
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I need to speak to a manager.
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Something's not right with my statement.
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Something's not right with my statement.
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Something's not right with my statement.
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Can you explain this charge?
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I don't understand this fee fee.
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I don't understand this fee.
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How do I file a complaint?
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How do I file a complaint?
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How do I file a complaint?
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Thank you for your help.
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Thank you for your help.
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Thank you for your help.
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Amazing!
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You now have 90 powerful phrases for every banking situation,
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From opening accounts to international transfers to solving problems, you're completely prepared.
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These phrases work everywhere.
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Community banks, major corporations, credit unions, online banks.
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You're ready to handle money matters anywhere English is spoken.
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Now, let's see these phrases in action through real banking scenarios.
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Real Banking Conversations Three authentic scenarios that happen every day in banks worldwide.
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Each one teaches you a different aspect of banking confidence.
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First two scenarios.
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Listen carefully and shadow each line to build your natural flow.
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Absorb how real banking conversations sound, and practice speaking with confidence.
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Last scenario, you participate.
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This builds real -world confidence.
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When I pause, you jump in naturally.
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Let's watch financial confidence bloom.
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Scenario 1.
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Opening your first account.
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Walks into the bank and approaches the teller.
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Good morning!
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How can I help you today?
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Hi.
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I'd like to open a bank account, please.
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Excellent!
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What type of account are you interested in?
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We have checking accounts for daily use and savings accounts for longer -term goals.
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What's the difference between them?
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Great question.
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A checking account is for everyday expenses, like paying bills, buying groceries, and using your debit card.
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A savings account earns interest, but is designed for money you don't need immediately.
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I need something for daily expenses.
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What documents do I need for a checking account?
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You'll need a government ID, proof of address, like a utility bill,
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and your social security number or tax ID.
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I have all of those.
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Is there a minimum deposit required?
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Yes.
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We require $25 to open the account.
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Is there a monthly fee?
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Our basic checking has a $10 monthly fee,
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but it's waived if you maintain a $500 minimum balance or set up direct deposit.
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What about ATM access?
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You get free access to our ATMs nationwide,
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plus we reimburse up to $15 monthly for other ATM fees. That sounds perfect.
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Can I open it today?
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Absolutely.
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Let me get the paperwork started.
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I'll also set you up with online banking access.
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Thank you so much.
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How long before I can use the account?
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Your debit card will arrive in 7 to 10 business days, but I can give you temporary checks today if needed.
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See how straightforward that was?
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The key is asking clear questions about what you need and understanding the terms before signing anything.
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Scenario 2.
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Solving account problems.
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Approaches customer service desk looking concerned.
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Good afternoon.
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You look like you might have a concern.
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How can I help?
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Yes, I'm having trouble with my ATM card.
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It's not working, and I can't access my money.
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I'm sorry to hear that.
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Let me look into this for you right away.
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Can I see your ID and get your account number?
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Here you go.
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The card worked fine yesterday, but today it just says transaction declined.
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I see what happened.
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Your account was flagged for unusual activity when you made purchases in two different cities yesterday.
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Oh, I was traveling for work.
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Is that why it's blocked?
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Exactly.
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It's a security feature to protect you from fraud.
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I can remove the block right now and make a note about your travel.
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That's a relief.
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Will it work immediately?
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Yes, it should work within the next few minutes.
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For future travel, you can call us or use the mobile app to let us know your travel plans.
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I didn't know about that feature.
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Can you show me how to use the app? Of course.
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You just go to Travel Notifications and enter your dates and locations.
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It prevents these blocks.
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This is so helpful.
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Is there anything else I should know?
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I'd recommend setting up account alerts so you get notified of any unusual activity
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and always keep our customer service number in your phone.
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Perfect.
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Thank you for solving this so quickly.
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My pleasure.
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Is there anything else I can help you with today?
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Beautiful!
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Notice how explaining the situation clearly and staying calm helps resolve problems faster.
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Banks want to help, they just need the right information.
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Now it's your turn to practice!
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Scenario 3.
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Getting a Business Loan.
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Your turn to shine.
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This is interactive practice.
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When I pause, you speak as the business owner seeking a loan.
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Be confident and prepared.
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Thank you for coming in today.
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I understand you're interested in a business loan?
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Excellent!
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What type of business do you have, and what would you use the loan for?
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That sounds like a solid plan.
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How much are you looking to borrow?
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Good.
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What documents have you brought with you today?
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Perfect.
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Those are exactly what we need.
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What's your current annual revenue?
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That's encouraging.
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Do you have any collateral you can offer to secure the loan?
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Excellent!
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What questions do you have about our loan terms?
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Our current rate for qualified businesses is 6 .5 % APR.
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We offer terms from three to seven years, depending on the load amount.
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I'll review your documents today and get back to you within 48 hours with a decision.
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Outstanding!
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You just handled a professional business loan conversation with confidence.
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That's how real business gets done, with clear communication and proper preparation.
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Notice the pattern, clear purpose,
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specific numbers, proper documentation, good questions, professional follow -up.
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That's the universal business banking formula.
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Before we wrap up, there's one more skill every confident speaker needs this,
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knowing how to ask for more time before making a financial decision.
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Here are some professional phrases you can use when you need a moment to think it through.
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I'd like to review this information at home.
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Can you email me the details so I can compare options?
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I prefer to discuss major financial decisions with my family first.
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What's the deadline for making this decision?
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I appreciate the offer, but I'm not ready to decide today.
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Remember, professional banking relationships are built on mutual respect.
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You have the right to understand everything, and take your time before making a decision.
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You just learned the complete system for confident banking in English,
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from opening your first account to handling complex business transactions.
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Like this video if you're ready to master money matters in English.
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Subscribe to continue your English confidence journey with us.
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Your financial independence and security depend on confident English communication.
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Go make it happen.
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Until tomorrow, keep learning and keep growing your financial confidence.
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See you tomorrow, everyone.
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Bye.

この動画は誰に向けたものですか?

銀行やお金の話し合いで英語が不安な中級者向けです。IELTS スピーキング対策にも役立つ実践的な内容で、シャドーイングを通して自然な会話力を身につけたい人に最適です。現実の場面で使えるフレーズをマスターし、「現地の銀行で口座開設ができる」「カードのトラブルをスムーズに解決できる」といった目標を達成したい方にぴったりです。

覚えておきたいフレーズとイディオム

動画で使われている注目の表現を紹介します。「monthly fee」は「月額料金」、「waived with direct deposit」は「直接預金で免除される」、「suspicious activity」は「不審な取引」です。これらのフレーズは銀行関連の会話で頻繁に登場するので、しっかり覚えておきましょう。また、「financial freedom」(金融的自由)や「grow your wealth」(富を増やす)などのイディオムも、ネイティブらしい表現を使うために必要です。

アクセントを正しくするコツ

シャドーイングをする際は、スピーカーのアクセントとイントネーションに注目しましょう。特に「APY」(年間利回り)や「direct deposit」などの固有名詞やフレーズは、強調する部分があります。shadowing siteやshadowspeakを使って繰り返し練習することで、自然な発音が身につきます。また、疑問文のイントネーションや、「But inside, you're lost.」のような感情を表す部分の抑揚も重要です。シャドーイングを何度も繰り返し、自分の口から自然に出てくるようになるまで練習しましょう。

英語シャドーイングの力で、銀行関連の会話がストレスフリーになり、金融的な自信もつきます。90の必須フレーズをマスターすれば、ロンドンやシドニー、トロント、ニューヨークでも安心してお金のことを話せるようになります。今日から始めて、あなたの英語力を向上させましょう!

シャドーイングとは?英語上達に効果的な理由

シャドーイング(Shadowing)は、もともとプロの通訳者養成プログラムで開発された言語学習法で、多言語習得者として知られるDr. Alexander Arguelles によって広く普及されました。方法はシンプルですが非常に効果的:ネイティブスピーカーの英語を聞きながら、1〜2秒の遅延で声に出してすぐに繰り返す——まるで「影(shadow)」のように話者を追いかけます。文法ドリルや受動的なリスニングと異なり、シャドーイングは脳と口の筋肉が同時にリアルタイムで英語を処理・再現することを強制します。研究により、発音精度、抑揚、リズム、連音、リスニング力、そして会話の流暢さが大幅に向上することが確認されています。IELTSスピーキング対策や自然な英語コミュニケーションを目指す方に特におすすめです。

シャドーイングのやり方: ステップ別の完全ガイドを読む →