Learn how to open a bank account
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| INTRODUCTION |
| Eric: Hi everyone, and welcome back to DutchPod101.com. This is Lower Intermediate Season 1 Lesson 13 - Opening a Bank Account in the Netherlands. Eric here. |
| Jacob: Hallo. I'm Jacob. |
| Eric: In this lesson, you'll learn how to open a bank account. The conversation takes place at a bank. |
| Jacob: It’s between Bill and a bank employee. |
| Eric: The speakers are a client and a bank employee, so they'll be using formal Dutch. Okay, let's listen to the conversation. |
Lesson conversation |
|---|
| Bankbediende: Goedemorgen meneer, wat kan ik voor u doen? |
| Bill: Ik wil graag een bankrekening openen, maar ben geen Nederlander. Kan dat? |
| Bankbediende: Bent u in Nederland ingeschreven? |
| Bill: Ja, ik ben ingeschreven en studeer aan de universiteit. |
| Bankbediende: En wat is uw nationaliteit? |
| Bill: Ik kom uit Engeland. |
| Bankbediende: Dan is het geen probleem. Heeft u legitimatie en een bewijs van inschrijving bij u? |
| Bill: Ja, alle papieren heb ik. |
| Eric: Listen to the conversation with the English translation. |
| Bank employee: Good morning sir, how can I help you? |
| Bill: I'd like to open a bank account, but I'm not Dutch. Is that possible? |
| Bank employee: Are you registered in the Netherlands? |
| Bill: Yes, I'm registered and I study at university. |
| Bank employee: And what is your nationality? |
| Bill: I'm from England. |
| Bank employee: In that case it shouldn't be a problem. Do you have identification and your proof of registration with you? |
| Bill: Yes, I've got all the paperwork. |
| POST CONVERSATION BANTER |
| Eric: Jacob, what are banks and financial institutions like in Holland? |
| Jacob: The banking sector in Holland is fairly well organized. Dutch banks survived the 2008 financial crisis and the euro crisis, though not without help from the Dutch government. |
| Eric: What about the service? I’ve heard the service is generally good. I know that at least 24-hour ATMs can be found with little effort. |
| Jacob: That’s right. But if you’re interested in saving money, you may not like the changes that have recently taken place. The interest rate for savings has dropped from 5% or more to less than 1%. |
| Eric: That’s quite a drop! By the way, the post offices in the Netherlands also provide banking services, so you can try that too. Okay, now onto the vocab. |
| VOCAB LIST |
| Eric: Let’s take a look at the vocabulary from this lesson. The first word is.. |
| Jacob: bankrekening [natural native speed] |
| Eric: bank account |
| Jacob: bank-re-ke-ning [slowly - broken down by syllable] |
| Jacob: bankrekening [natural native speed] |
| Eric: Next we have.. |
| Jacob: openen [natural native speed] |
| Eric: to open |
| Jacob: o-pe-nen [slowly - broken down by syllable] |
| Jacob: openen [natural native speed] |
| Eric: Next we have.. |
| Jacob: ingeschreven [natural native speed] |
| Eric: registered |
| Jacob: in-ge-schre-ven [slowly - broken down by syllable] |
| Jacob: ingeschreven [natural native speed] |
| Eric: Next we have.. |
| Jacob: studeren [natural native speed] |
| Eric: to study |
| Jacob: stu-de-ren [slowly - broken down by syllable] |
| Jacob: studeren [natural native speed] |
| Eric: Next we have.. |
| Jacob: nationaliteit [natural native speed] |
| Eric: nationality |
| Jacob: na-tio-na-li-teit [slowly - broken down by syllable] |
| Jacob: nationaliteit [natural native speed] |
| Eric: Next we have.. |
| Jacob: probleem [natural native speed] |
| Eric: problem |
| Jacob: pro-bleem [slowly - broken down by syllable] |
| Jacob: probleem [natural native speed] |
| Eric: Next we have... |
| Jacob: legitimatie [natural native speed] |
| Eric: identification |
| Jacob: le-gi-ti-ma-tie [slowly - broken down by syllable] |
| Jacob: legitimatie [natural native speed] |
| Eric: Next is... |
| Jacob: bewijs [natural native speed] |
| Eric: proof |
| Jacob: be-wijs [slowly - broken down by syllable] |
| Jacob: bewijs [natural native speed] |
| Eric: Next we have.. |
| Jacob: papier [natural native speed] |
| Eric: paper |
| Jacob: pa-pier [slowly - broken down by syllable] |
| Jacob: papier [natural native speed] |
| Eric: And last.. |
| Jacob: hebben [natural native speed] |
| Eric: to have |
| Jacob: heb-ben [slowly - broken down by syllable] |
| Jacob: hebben [natural native speed] |
| KEY VOCAB AND PHRASES |
| Eric: Let's have a closer look at some of the words and phrases from this lesson. The first word is.. |
| Jacob: bewijs |
| Eric: meaning "proof.” |
| Jacob: In the dialogue, it was used in the phrase Een bewijs van inschrijving. bewijs means “proof,” and van inschrijving means “of registration.” |
| Eric: So that implies a document that proves you are registered at something like a school or sports club, right? |
| Jacob: That’s right. By the way, the word bewijs is also very important in judicial language. As long as there is no proof, or bewijs, a person cannot be charged as guilty. Instead, he or she would be considered a "suspect," or in Dutch een verdachte, until proven otherwise. |
| Eric: This word is also important in the scientific world. |
| Jacob: That’s right. When you read theories in Dutch, you can find sentences like De theorie is bewezen, which translates in English as "The theory has been proven." |
| Eric: Can you give us an example using this word? |
| Jacob: Sure. For example, you can say.. U krijgt uw bewijs van inschrijving nadat u heeft betaald. |
| Eric: ..which means "You'll get your proof of registration after you’ve paid." Okay, what's the next word? |
| Jacob: ingeschreven |
| Eric: meaning "registered." |
| Jacob: Earlier, we talked about the noun inschrijving which is derived from the verb inschrijven. The word ingeschreven means “registered” and it’s an adjective. |
| Eric: Using this word, we can say “This person is registered” right? |
| Jacob: That’s right. In Dutch, Deze persoon is ingeschreven. |
| Eric: When you are registered in the registry of Births, Deaths and Marriages, the Dutch say- |
| Jacob: Ingeschreven in de burgerlijke stand. |
| Eric: Okay, now onto the lesson focus. |
Lesson focus |
| Eric: In this lesson, you’ll learn how to open a bank account. |
| Jacob: In the dialogue, Bill is trying to open an account, so let’s review what he said and pull out certain phrases and expressions you’d need to open a bank account. |
| Eric: First, you have to say you want to open a bank account. How can we say that in Dutch? |
| Jacob: That would be Ik wil graag een bankrekening openen. |
| Eric: Meaning “I would like to open a bank account” |
| Jacob: Here, we have een bankrekening openen, literally, “bank account opened.” |
| Eric: And if you’re not Dutch, it’s better to bring it up in advance. To do that, you can say.. |
| Jacob: Maar ik ben geen Nederlander. Kan dat? |
| Eric: “But I’m not Dutch. Is that possible?” |
| Jacob: In the dialogue, Bill said exactly the same thing, but skipped the second ik and said maar ik ben geen Nederlander, since it’s obvious that he is talking about himself. |
| Eric: So there's no need to use the word ik twice. |
| Jacob: Right. And at the end, you can simply add Kan dat? It’s a short and informal way to ask “Is that possible?” |
| Eric: What if I want to say it formally? |
| Jacob: You can use the more formal Is dat mogelijk?, meaning “Is that possible?” |
| Eric: The bank employee then asks if Bill is registered in the Netherlands. What should we say if we’re asked this? |
| Jacob: If you’re a student, you can say.. Ik ben ingeschreven en studeer aan de Universiteit. |
| Eric: “I’m registered and I study at university.” |
| Jacob: Again, here in the Dutch, the second ik is skipped. So it’s not ik ben ingeschreven en ik studeer. |
| Eric: In Dutch, repetition is avoided whenever possible, unless you wish to stress something. |
| Jacob: Right. Note that in Dutch, you say ik studeer aan de universiteit when you want to say “I study at university.” Make sure to use the definite particle de and say de universiteit to mean “at university.” |
| Eric: After that, you’ll hear some phrases like “Do you have some identification and your proof of registration with you?” which in Dutch is.. |
| Jacob: Heeft u legitimatie en een bewijs van inschrijving bij u? Legitimatie means “identification” and the full form is legitimatiebewijs, which literally means “the proof of identification.” But just saying legitimatie is perfectly acceptable. |
| Eric: Then you’re good to go to open your bank account. |
Outro |
| Eric: Okay, that’s all for this lesson. Thank you for listening, everyone, and we’ll see you next time! Bye! |
| Jacob: Dag! |
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