Dialogues au guichet bancaire

Customer : Good morning, I would like to open a current account, please.

Advisor : Certainly, sir. Do you have your photo ID and proof of address with you today?

Customer : Yes, here is my passport and a recent electricity bill.

Advisor : Perfect. Will this be a sole account or a joint account with your partner?

Customer : A sole account, please. Could you also explain the monthly fees?

Advisor : Of course. The current account is free, provided you pay in at least £500 per month.

Customer : Hello, I am looking to apply for a mortgage on a property worth £350,000.

Advisor : Lovely. What is your available deposit?

Customer : I have £70,000, so a 20% deposit and an 80% LTV.

Advisor : Would you prefer a fixed-rate or a tracker mortgage?

Customer : A five-year fixed rate, please. What APR can you offer me?

Advisor : Based on your credit score of 780, we can offer 4.2% APR over 25 years.

Customer : Hi, I need to report a lost debit card urgently.

Advisor : I am sorry to hear that. I will block it right away. Can you confirm your full name and date of birth, please?

Customer : Emma Johnson, 15th of July 1990.

Advisor : Thank you. The card is now cancelled. A replacement will arrive within 5 working days.

Customer : Will I be charged for transactions made before I called?

Advisor : No, you are fully protected under our fraud policy.

Customer : I would like to make an international transfer to France.

Advisor : Certainly. Do you have the beneficiary's IBAN and BIC code?

Customer : Yes, here they are. The amount is £2,000.

Advisor : The transfer fee is £15, and the current exchange rate is 1.17 euros to the pound.

Customer : How long will the transfer take?

Advisor : Funds will be credited within 1 to 2 working days via SWIFT.

Customer : I would like to dispute a direct debit on my account.

Advisor : No problem. Can you show me the transaction?

Customer : This one, £89.99 to a company I do not recognise.

Advisor : I will open a chargeback request immediately. You will be refunded provisionally within 48 hours.

Customer : Could I have a bank statement for the last three months, please?

Advisor : Certainly. Would you like a paper or a digital copy?

Customer : Digital, sent to my email.

Advisor : Done. You should receive it within 5 minutes.

Customer : I would like to apply for a personal loan of £10,000.

Advisor : What is the purpose of the loan?

Customer : Home improvements.

Advisor : Over how many years would you like to repay?

Customer : Five years, please.

Advisor : The APR is 5.9% and monthly repayments will be £192.

Customer : I would like to discuss investment options for £20,000.

Advisor : What is your risk appetite and investment horizon?

Customer : Balanced profile, 10 years.

Advisor : I would suggest a diversified portfolio: 50% equities, 40% bonds, 10% cash.

Customer : I would like to close my savings account.

Advisor : May I ask why?

Customer : I am relocating abroad.

Advisor : I understand. We will transfer your remaining balance to your nominated account today.

Customer : Could I apply for an authorised overdraft of £1,000?

Advisor : I can offer that subject to a credit check. The interest rate is 35% EAR.

Customer : Are the first few days interest-free?

Advisor : Yes, the first £50 is interest-free.