• Banks – for saving money, taking loans, or using credit cards.

• ATMs – machines to withdraw or deposit money.

• Insurance companies – offer protection for health, cars, or homes.

Essential phrases:
- Open/Close an account
- Apply for a credit card
- Set up a direct debit
- Make a deposit/withdrawal
- Transfer money

Useful expressions:
- I'd like to speak to a financial advisor
- Could you help me set up online banking?
- I've forgotten my PIN number

• Post office – send letters and packages.

• Courier services – faster delivery of goods (e.g. DHL, FedEx).

• Food delivery – order food from restaurants to your home.

Common services:

- Send a parcel
- Buy stamps
- Collect packages
- Currency exchange

Typical dialogue:
Customer: I'd like to send this package to Germany.
Clerk: Would you like to send it standard or express delivery?
Customer: What's the difference in price?
Clerk: Express is guaranteed within 3 days but costs more.

🚓 Public Safety Services

• Police – protect people and keep law and order.

• Firefighters – help during fires, accidents, and emergencies.

• Ambulance service – transports sick or injured people to hospitals.

• Plumbers – fix water pipes, taps, and toilets.

• Electricians – repair electrical systems and install lights or appliances.

• Cleaners – clean houses, offices, or buildings.

• Pest control – remove insects or animals from homes.

• Public transport – buses, trains, trams, subways.

• Taxi services / Ride-sharing – e.g., Uber, Bolt.

• Car rentals – rent a car for short-term use.

✈️ Travel and Tourism Services

• Travel agencies – help plan holidays and book flights/hotels.

• Tour guides – show tourists around and give information.

• Hotel services – accommodation, room service, cleaning.

💇‍♀️ Personal Services

• Hairdressers / Barbers – cut or style hair.

• Beauty salons / Spas – skin care, massages, relaxation treatments.

• Fitness centers / Gyms – places to exercise and stay healthy.

1. Opening a Savings Account

   • You want to open a new savings account. Ask about documents, account types, and interest rates.

2. Withdrawing Money

   • You need to withdraw €200 from your account. Ask about the process, fees, and limits.

3. Depositing Money

   • You have cash to deposit into your account. Ask the teller to explain the receipt and account balance.

4. Applying for a Loan

   • You want a small personal loan. Ask about interest rates, repayment period, and required documents.

5. Reporting a Lost or Stolen Card

   • Your debit card is lost. Inform the bank, ask how to block it, and request a new card.

6. Setting Up Online Banking

   • You want to activate online banking. Ask about login, password security, and how to check your balance online.

7. Changing Personal Information

   • You moved to a new address. Ask how to update your details in the bank’s system.

8. Asking About Bank Fees

   • You received a bank statement with charges you don’t understand. Ask the teller to explain fees for withdrawals or transfers.

9. Currency Exchange

   • You are traveling abroad and need to exchange euros for another currency. Ask about rates, fees, and the process.

10. Requesting a Bank Statement

    • You need a statement of your account for the last 3 months. Ask how long it takes to get it and whether it can be sent by email.

1. Opening a Savings Account

Customer: Hello, I’d like to open a savings account.
Teller: Sure. Do you have an ID and proof of address?
Customer: Yes, here they are.
Teller: Thank you. Would you like a standard or premium account?
Customer: Standard, please.
Teller: Great. Would you like online banking too?
Customer: Yes, that would be helpful.

2. Withdrawing Money

Customer: Hi, I’d like to withdraw €200 from my account.
Teller: Of course. Can I see your card and ID?
Customer: Here you are.
Teller: Do you want all in cash or split?
Customer: All in cash, please.
Teller: Done. Here’s your €200.

3. Depositing Money

Customer: I want to deposit €500 into my account.
Teller: Sure. Cash or check?
Customer: Cash.
Teller: Please fill in this deposit slip.
Customer: Done. Can I get a receipt?
Teller: Yes, here it is.

4. Applying for a Loan

Customer: I’d like a small personal loan.
Teller: How much do you need and for how long?
Customer: €3,000 for 2 years.
Teller: You’ll need to provide ID, proof of income, and address.
Customer: Okay. What’s the interest rate?
Teller: It’s 6% per year.

5. Reporting a Lost or Stolen Card

Customer: Hello, I lost my debit card.
Teller: Don’t worry. I will block it immediately.
Customer: Thank you. Can I get a new card?
Teller: Yes, you’ll receive it in 5 working days.

6. Setting Up Online Banking

Customer: I want to activate online banking.
Teller: I can help. Do you have your account details?
Customer: Yes.
Teller: You’ll get a username and password. Make sure to change your password after first login.
Customer: Great, thank you.

7. Changing Personal Information

Customer: I moved to a new address. Can I update it?
Teller: Sure. Please fill in this form.
Customer: Done. How long will it take?
Teller: It will update immediately in our system.

8. Asking About Bank Fees

Customer: I saw a fee on my statement. Can you explain it?
Teller: Of course. That is a €5 monthly maintenance fee.
Customer: Okay, I understand. Are there other fees?
Teller: Yes, some withdrawals and transfers may have small fees.

9. Currency Exchange

Customer: I’d like to exchange €500 into dollars.
Teller: Sure. Today’s rate is 1€ = 1.10 USD.
Customer: How much will I get?
Teller: You’ll receive $550, minus a small service fee.

10. Requesting a Bank Statement

Customer: I need a statement for the last 3 months.
Teller: Would you like a paper copy or email?
Customer: Email, please.
Teller: Okay, you’ll receive it by the end of the day.

Services provided to individuals for their personal needs.
Examples:

• Hairdressing and beauty salons

• Personal training or fitness coaching

• Babysitting or elderly care

• Travel planning or tour guiding

2. Professional Services

Services requiring specialized knowledge or skills.
Examples:

• Legal advice (lawyers)

• Accounting and auditing

• Medical services (doctors, dentists)

• Consulting (business, IT, marketing)

3. Financial Services

Services related to managing money.
Examples:

• Banking (loans, accounts)

• Insurance (health, car, home)

• Investment and stock market advice

• Tax consulting

4. Public Services

Services provided by the government or public institutions for the community.
Examples:

• Police and fire services

• Healthcare (hospitals, clinics)

• Education (schools, universities)

• Public transport

5. Commercial / Business Services

Services that help businesses operate efficiently.
Examples:

• IT support and software services

• Logistics and delivery services

• Marketing and advertising

• Cleaning and maintenance

6. Hospitality and Tourism Services

Services related to travel, leisure, and accommodation.
Examples:

• Hotels and restaurants

• Travel agencies and tour operators

• Entertainment (theatres, cinemas, events)

• Theme parks or tourist attractions