it's best to open an account
And how much would you like to open your account with?
要咨询一下汇率exchange rate和利率interest rate
英国的几个比较有名的银行有Barclays 和 Lloyds。
However, it's important to note that as an international student you'll not necessarily be eligible for all the facilities offered to resident students.
Banks have different policies and the services that they'll offer you will depend on your individual circumstances*and on the discretion of the bank manager involved.
as an international student,you will need to provide evidence that you can fund/support yourself for however long your course lasts.
In addition to this, most banks ask you to bring your passport and your letter or certificate of enrolment .，
或者带着学校注册信 letter of registration
护照大小照片 passport size photo
驾照 driver's licence
出生证明 birth certificate
信用卡 credit card
借记卡 debit card
（拓展记忆：凭卡办理存取款和消费结算，不能透支。Access to deposit,withdrawal, purchase, and payment, overdraft prohibited.）
雇主推荐 reference from your employer
账单 bank statements
How often would you like to receive statements?
Some people like them weekly.
有些人喜欢一个月一次 once a month
拓展记忆：两周一次once a fortnight
Now we usually ask for a piece of information which we can use to check your identity, for security reasons.
It's less likely to be known.
出生日期 date of birth
全名 full name
名 first name 、given name
中间名字 middle name
姓 surname/family name/last name
过去地址 previous address
目前地址 present/current address
在目前地址居住时间 time at current address
You should each have a handout with the names and addresses...
When you open the account, the bank will give you a chequebook /checkbook
and you can use this to draw /withdraw money out as you need it.
If you need to write cheques in shops, you'll also need a cheque card .
拓展记忆：旅行支票 traveler's cheque
This is really an identity card which guarantees that correctly written cheques up to the value stated on the card will be honoured by the bank.
If you want to draw out cash for yourself you can make the cheque payable in your own name or 'to cash'.（兑现支票cash the cheque）
§payable at sight见票即付
§payable on demand随到随付）
You can also withdraw cash from a cash point machine with a cashcard.
(提款机又叫做ATM＝Automatic Teller Machine)
You may want to take more money out ot the bank than you have in it.This is called having an overdraft.
Be very careful with this--you should not do this without permission from your bank.
Overdrafts usually incur charges,though some banks offer interest-free overdrafts to some students.
对于银行转账bank transfer ，
If we have links with them, we can do a direct transfer.
Some of the bigger branches in London and other major cities are now open for a limited time on Saturdays.
低风险投资 low-risk investment
股票和基金 stocks and shares
（拓展记忆：储蓄金 nest egg）
by far the most useful type of account to open is a current account
you will actually get what is called a 'student account' which is a current account with special concessions for students.
如果你出了经济问题financial affairs，有了负债be in debt，如果你的信用卡被拒绝your credit card is declined，账户被冻结account is frozen
其他重要的帐户为储蓄存款帐户savings account,定期帐户deposit account
联名账户 joint account
（联名账户持有者joint account holder）