Learn how to open a bank account and about disjunct placement in a main clause
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| INTRODUCTION |
| Kellie: Hi everyone, and welcome back to SwedishPod101.com. This is Intermediate Season 1 Lesson 25 - Opening a Swedish Bank Account. Kellie here. |
| Vicky: Hej! I'm Vicky. |
| Kellie: In this lesson, you’ll learn how to ask for clarification in Swedish. The conversation takes place at a bank. |
| Vicky: It's between Annie and a receptionist. |
| Kellie: The speakers are strangers, so they’ll use both formal and informal Swedish. Okay, let's listen to the conversation. |
| DIALOGUE |
| Annie: Hej, jag skulle vilja bli kund hos er. |
| Receptionist: Vad roligt! Är du över arton år så skulle jag rekommendera dig att öppna ett personkonto och bli Smartkund. |
| Annie: Ja, det är jag. Vad innebär Smartkund? |
| Receptionist: Det innebär att du får ett personkonto, kontokort, tillgång till både mobil- och internet bank plus personlig service över telefon. Allt för bara 14 (fjorton) kronor i månaden. |
| Annie: Kan jag använda servicen varje dag? |
| Receptionist: Ja, och du kan kontakta oss dygnet runt! Det låter väl lockande? |
| Annie: Ja, det gör det. Jag har aldrig haft ett personkonto förut. Vad är skillnaden på personkonto och sparkonto? |
| Receptionist: Ett personkonto är samma nummer som ditt personnummer och du kan fritt ta ut pengar från bankomater eftersom kontot är anslutet till ett bankomatkort. Sparkonto hos oss är inte bundet till ett kort vilket gör det säkrare att spara mycket pengar då ingen kan stjäla ditt kort. |
| Annie: Jaha, jag förstår. Jag har inte så mycket pengar, så ett vanligt personkonto blir bra! |
| Kellie: Listen to the conversation with the English translation. |
| Annie: Hi, I would like to become a customer here. |
| Receptionist: Great! If you're over 18, I would like to recommend that you open a personal account and become a Smartclient. |
| Annie: Yes, I am. What does it mean to be a Smartclient? |
| Receptionist: It means that you get a personal account, a debit card, access to both mobile and Internet banking, plus personal service over the phone. Everything is included for just 14 crowns a month. |
| Annie: Can I use the service every day? |
| Receptionist: Yes, and you can contact us 24 hours a day! Doesn't that sound tempting? |
| Annie: Yes, it does. I've never had a personal account before. What's the difference between a personal account and a savings account? |
| Receptionist: A personal account has the same number as your personal identity number, and you can freely withdraw money from ATMs since the account is linked to a cash card. A savings account is not linked to a card which makes it a safer way to save lots of money since no one can steal your card. |
| Annie: Oh, I understand. I don't have that much money, so a normal personal account will be fine! |
| POST CONVERSATION BANTER |
| Kellie: Vicky, today most people pay their bills online through their bank. Is it the same in Sweden? |
| Vicky: Yes. Very few people actually pay the bills in person at the bank or at the convenience store. Only people who are not familiar with the Internet and Internet services use this method, and it normally means you have to pay a small fee. |
| Kellie: And if you pay online, does it cost extra? |
| Vicky: No, you don't need to pay any fee, which in Swedish is avgift, if you pay your bills online. The bills normally come through the mail in your mailbox, and you then open them and pay by using the information on the invoice. |
| Kellie: Okay, now onto the vocab. |
| VOCAB LIST |
| Kellie: Let’s take a look at the vocabulary from this lesson. The first word is.. |
| Vicky: att innebära [natural native speed] |
| Kellie: to mean |
| Vicky: att innebära [slowly - broken down by syllable] |
| Vicky: att innebära [natural native speed] |
| Kellie: Next we have.. |
| Vicky: tillgång [natural native speed] |
| Kellie: access |
| Vicky: tillgång [slowly - broken down by syllable] |
| Vicky: tillgång [natural native speed] |
| Kellie: Next we have.. |
| Vicky: personlig [natural native speed] |
| Kellie: personal |
| Vicky: personlig [slowly - broken down by syllable] |
| Vicky: personlig [natural native speed] |
| Kellie: Next we have.. |
| Vicky: lockande [natural native speed] |
| Kellie: tempting |
| Vicky: lockande [slowly - broken down by syllable] |
| Vicky: lockande [natural native speed] |
| Kellie: Next we have.. |
| Vicky: skillnad [natural native speed] |
| Kellie: difference |
| Vicky: skillnad [slowly - broken down by syllable] |
| Vicky: skillnad [natural native speed] |
| Kellie: Next we have.. |
| Vicky: samma [natural native speed] |
| Kellie: same |
| Vicky: samma [slowly - broken down by syllable] |
| Vicky: samma [natural native speed] |
| Kellie: Next we have.. |
| Vicky: att ansluta [natural native speed] |
| Kellie: to link, to connect |
| Vicky: att ansluta [slowly - broken down by syllable] |
| Vicky: att ansluta [natural native speed] |
| Kellie: Next we have.. |
| Vicky: fri [natural native speed] |
| Kellie: free |
| Vicky: fri [slowly - broken down by syllable] |
| Vicky: fri [natural native speed] |
| Kellie: Next we have.. |
| Vicky: säker [natural native speed] |
| Kellie: secure, sure |
| Vicky: säker [slowly - broken down by syllable] |
| Vicky: säker [natural native speed] |
| Kellie: And last.. |
| Vicky: att stjäla [natural native speed] |
| Kellie: to steal |
| Vicky: att stjäla [slowly - broken down by syllable] |
| Vicky: att stjäla [natural native speed] |
| KEY VOCAB AND PHRASES |
| Kellie: Let's have a closer look at some of the words and phrases from this lesson. The first word is.. |
| Vicky: tillgång |
| Kellie: which means “to have access” to something. You can use it in both formal and informal situations to talk about having access to something. This something can be material like a resource or a service. |
| Vicky: For example...Jag har ingen tillgång till internet här. |
| Kellie: which means...“I don't have any access to the internet here” |
| Vicky: tillgång can also be a noun, and in that case it’s translated as “resource.” It’s mainly used in formal situations. For example...Har ni några andra tillgångar vi bör vara medvetna om? |
| Kellie: “Do you have any other resources that we should be aware of?” |
| Vicky: Or Jag har bara tillgång till tusen (1000) kronor i månaden. |
| Kellie: Meaning “I only have access to 1000 crowns a month.” Okay, what's the next word? |
| Vicky: lockande |
| Kellie: which means “tempting.” |
| Vicky: lockande comes from the Swedish verb locka, which means “to tempt.” Lockande is the adjective and means “tempting.” |
| Kellie: You can use it in both formal and informal situations when speaking about something that is tempting, and it can be an offer or a thing. |
| Vicky: For example...Den där chokladkakan ser lockande ut. |
| Kellie: “That chocolate cake looks tempting” |
| Vicky: Ett lockande erbjudande. |
| Kellie: which means “A tempting offer.” Okay, now onto the lesson focus. |
Lesson focus |
|---|
| Kellie: In this lesson, you’ll learn how to ask for clarification in Swedish. When dealing with important information such as bank accounts and money, it is important to be able to ask for clarifications so that no misunderstandings occur. Banks and authorities will probably give you more than one option. |
| Vicky: In such cases, be ready to hear things like, Du kan välja mellan visa eller mastercard. |
| Kellie: which means “You can choose between Visa or Mastercard.” |
| Vicky: When two or more options are listed, a disjunctive conjunction may be used. |
| Kellie: When a disjunctive conjunction is used, it normally indicates that only one of the options or none of the options are available. Vicky, can you give us examples of disjunctive conjunctions? |
| Vicky: Sure. men |
| Kellie: “but” |
| Vicky: antingen |
| Kellie: “either” |
| Vicky: eller |
| Kellie: “or” |
| Vicky: annars |
| Kellie: “otherwise.” Can you give us a sample sentence? |
| Vicky: Sure. Du kan välja antingen personkonto eller sparkonto. |
| Kellie: “You can choose either a personal account or a savings account.” Ok, now let’s have a closer look at some expressions we can use when asking for clarification. |
| Vicky: There are a few. For example you can say Vad är skillnaden? |
| Kellie: which means “What’s the difference?” |
| Vicky: You may also need to ask Kan du upprepa det? |
| Kellie: Meaning “Could you repeat that?” |
| Vicky: Or you may need to be clear and say Jag förstår inte riktigt, kan du säga det igen? |
| Kellie: “I don’t quite understand, could you say that again?” |
| Vicky: Förlåt, jag hörde inte vad du sade. |
| Kellie: “Sorry I didn’t hear what you said.” |
| Vicky: Jag förstår inte vad du menar. |
| Kellie: “I don’t understand what you mean.” |
| Vicky: Vad menar du med det? |
| Kellie: “What do you mean by that?” |
| Vicky: Kan du vara snäll och förklara? |
| Kellie: “Could you be kind and explain?” Ok, finally let’s see some of the most common bank terms, which can come in handy in many situations. |
| Vicky: An important term is IBAN- nummer |
| Kellie: which means "International Bank Account Number” or “IBAN." Could you give us an example? |
| Vicky: Jag vill göra en överföring till ett konto i Norge, hur tar jag reda på mitt IBAN-nummer? |
| Kellie: meaning “I'd like to make a transfer to an account in Norway, how do I find out my International Bank Account number?” |
| Vicky: Another important term is kontouppgifter, |
| Kellie: which means "account information,” or “bank account information." |
| Vicky: Here is an example - Då skulle jag vilja be om dina kontouppgifter, tack. |
| Kellie: meaning “Then I'd like to ask about your account information, please.” |
| Vicky: Other similar terms starting with konto-, are kontoinnehavare, kontonummer, and kontotransaktion |
| Kellie: respectively referring to "account holder," "bank account number," and "account transaction." Listeners, as always, be sure to check the lesson notes for more words. |
Outro |
| Kellie: Okay, that’s all for this lesson and this series. We hope you enjoyed it and found it useful. If you have any questions or comments, please leave us a message at SwedishPod101.com. In the meantime, thank you for listening, everyone, and we’ll see you in another series! Bye! |
| Vicky: Bye! |
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