记录了在上海的银行开立账户、兑换外币以及办理转账时的常用表达。
Notes on common expressions for opening a bank account, exchanging foreign currency, and making transfers at banks in Shanghai.
动作 1：咨询开卡业务 / Inquiring about opening an account
常用句：“我想开一个本地的银行账户，需要什么证件？”
(Wo xiang kai yi ge ben di de yin hang zhang hu, xu yao shen me zheng jian?)
“I want to open a local bank account. What documents do I need?”
情景对白 / Dialogue:
你：“我是外国人，用护照和居留许可可以办吗？”
(Ni: Wo shi wai guo ren, na hu zhao he ju liu xu ke ke yi ban ma?)
You: “I’m a foreigner, can I open one with my passport and residence permit?”大堂经理：“可以的，您先在这台机器上填一下信息。”
(Da tang jing li: Ke yi de, nin xian zai zhe tai ji qi shang tian yi xia xin xi.)
Lobby manager: “Yes, please fill in the information on this machine first.”
习惯备注：外国人办卡必须带好护照和有效的居留许可，有些网点还需要提供工作证明或纳税证明。
Habit Note: Foreigners must bring their passports and valid residence permits to open an account. Some branches also require proof of employment or tax records.
动作 2：兑换外币 / Currency exchange
常用句：“我想把这些美元换成人民币。”
(Wo xiang ba zhe xie mei yuan huan cheng ren min bi.)
“I want to exchange these US dollars into RMB.”
情景对白 / Dialogue:
你：“今天的汇率是多少？”
(Ni: Jin tian de hui lv shi duo shao?)
You: “What’s today’s exchange rate?”柜员：“现在是 7.1，您要换多少？”
(Gui yuan: Xian zai shi ‘qi dian yi’, nin yao huan duo shao?)
Teller: “It’s 7.1 now, how much do you want to exchange?”
习惯备注：国内银行兑换外币需要带身份证/护照。平时用手机银行 App 也可以提前在线上购汇，再去网点取现金。
Habit Note: Exchanging currency at domestic banks requires an ID/passport. You can also purchase foreign currency online through mobile banking apps in advance and then pick up the cash at a branch.
动作 3：转账与汇款 / Transfers & remittances
常用句：“我想给这个账户转一笔钱。”
(Wo xiang gei zhe ge zhang hu zhuan yi bi qian.)
“I want to transfer some money to this account.”
情景对白 / Dialogue:
你：“跨境汇款大概几天能到账？”
(Ni: Kua jing hui kuan da gai ji tian neng dao zhang?)
You: “How many days does an international transfer take to arrive?”柜员：“通常需要 3 到 5 个工作日。”
(Gui yuan: Tong chang xu yao 3 dao 5 ge gong zuo ri.)
Teller: “Usually 3 to 5 business days.”
习惯备注：跨境汇款通常需要填写 SWIFT 代码，最好提前从收款方那里问清楚。
Habit Note: International transfers usually require a SWIFT code, so it’s best to ask the recipient for it in advance.