IELTS Listening practice test

City Bank Customer ServiceIELTS Listening Practice Test with Answers

Practise this IELTS Listening test about City Bank Customer Service. The recording features a call to a bank. Answer 10Practise this IELTS Listening test about City Bank Customer Service. The recording features a call to a bank. Answer 10 table completion questions, then check your score and read the explanations.

—Min Audio

10Questions

Table completionTask Types

Audio included10 questionsTable completion

Fill in the gaps

IELTS Listening practice

Play City Bank Customer Service audioAudio -Listen, answer, then check your score and explanations.

Play the audio, type your answers as you listen, then check them.

Instructions

0:000:00

The transcript is not available in the real IELTS Listening

0:000:00

Audio TranscriptIt will not be available during the real IELTS Listening exam.

J
Jeanette
This is City Bank. You're speaking with Jeanette. How may I help you today?
M
Man
Hi. I'd like to ask a few questions about a term deposit.
J
Jeanette
Certainly. Do you currently have any investments with us?
M
Man
Yes, I do, but my term deposit is due to mature soon, and I've come to find out my options for renewing and extending it. I'm considering a range of different investments to be honest, but I wanted to begin with the simplest option.
J
Jeanette
Okay, sir. Well, before we begin, I just need to verify your ID. Can I have your name, please?
M
Man
David Marshall. That's M for Mother. ARSHALL.
J
Jeanette
Thank you, David. Now, I just need to ask you a couple of security questions. What's your mobile phone number?
M
Man
023561055
J
Jeanette
And your date of birth, please?
M
Man
18th February, 1968.
J
Jeanette
Right. So I've got your account information in front of me. You've currently got $18,000 on a term of 180 days. That's at a rate of 3.45% per year or per annum.
M
Man
Okay. So what are my options? Can we start by looking at one and two year terms?
J
Jeanette
We can do that. Let's see. Right. If we put it on a one year term, we can offer you a yearly return of 3.65%. And for two years, it's 3.7%. Oh, no, hang on. Sorry. We have a special deal on that term right now at 3.85%.
M
Man
Okay. So what does that mean in dollars?
J
Jeanette
Just one moment and I'll bring it up. Okay. So the total interest earned would be $657 for one year. And I'm just bringing up the two year figure for you. A two-year term at 3.85% interest, that's a total of $1,412 interest on maturity.
M
Man
Right. That's about a $700 difference.
J
Jeanette
Yes, a bit more, actually.
M
Man
Okay. Oh. A friend of mine told me he gets his term deposit interest paid into his account every month. Do you have a monthly interest option?
J
Jeanette
Yes, actually. We do offer that on term deposits, but only on investments of $20,000 or more.
J
Jeanette
Can I ask if you've considered a PIE as an alternative investment option?
M
Man
A PI?
J
Jeanette
Yes, it stands for personal investment entity. It's an investment trust. Your earnings tend to be higher than they offer a term deposit, because 28% is the maximum tax on those earnings.
M
Man
Okay. That sounds interesting. I've heard of those, but I've never really understood them. I thought they were called pies. They always sounded like something you eat. But I sure like to get a bigger slice of my investment pie.
J
Jeanette
Well, with a PIE, your investment return changes depending on how much tax you normally pay.
M
Man
Oh, I see. According to my income bracket.
J
Jeanette
Yes, that's right. For example, on a two-year plan, if you're earning in the range between $48,000 and $1 to $70,000 at 30% tax, there's a 3.75% effective rate on PIE earnings.
M
Man
Okay. I'm actually on a 33% tax rate.
J
Jeanette
Well, that's an even better return. If you're earning between $70,000 and $120,000, the effect of interest rate is higher, too. So let's have a look for a two-year investment. The rate actually goes up to 3.92%.
M
Man
Wow. Okay. So a PIE may be the better option, better than a term deposit, I mean. And can I do that with an $18,000 investment?
J
Jeanette
Yes. The minimum deposit for a PIE investment is $10,000.
M
Man
Okay. And are there any hidden charges?
J
Jeanette
No. No fees at all for investing in a PIE.
M
Man
Well, that's good news. Oh, wait a minute. What about interest payment options? Is it the same as the term deposits? You have to have a minimum deposit to be eligible for monthly payments.
J
Jeanette
Let me check the options here. Well, you'll be pleased to hear that there's actually more flexibility with PIEs than with term deposits. You can opt to have your interest paid every month, quarterly, six monthly, or yearly.
M
Man
Okay. Well, that's given me something to think about.
J
Jeanette
Would you like to apply today?
M
Man
No. I'll have to think about it. Thanks.
J
Jeanette
Certainly. If you do decide to go ahead with it, applications are processed in two days, as long as you have a bank account with us, which you do. You can apply on our website, by phone, or pop into one of our branches.
M
Man
Great. Thanks for your help.

Try to answer first and read the transcript afterwards. It is most useful for finding out why an answer was missed.

Questions for City Bank Customer Service

Questions 1–4

Complete the table below. Write NO MORE THAN TWO WORDS AND/OR A NUMBER for each answer.

City Bank Customer Service

Example - Answer

Type of query: Term deposits

Customer name: David 1

Phone: 023 - 561 - 055

D.O.B.: 18 / 02 / 1968

Customer's Term Deposit details:

Amount: $18,000

Term: 2

Interest rate: 3.45% per annum

Current Term Deposit interest rates:

1 year: 3.65% per annum

2 years: 3% per annum

4 Term Deposits

Minimum deposit: $20,000

No Login Required for checking answers

Answers0/100 correct0 wrong10 not answered

1Answer for Question 1: MarshallNot answered
2Answer for Question 2: 180 daysNot answered
3Answer for Question 3: 3.85 (%)Not answered
4Answer for Question 4: Monthly InterestNot answered
5Answer for Question 5: MaximumNot answered
6Answer for Question 6: Income bracketNot answered
7Answer for Question 7: 120,000Not answered
8Answer for Question 8: No feesNot answered
9Answer for Question 9: QuarterlyNot answered
10Answer for Question 10: (by) phoneNot answered

ExplanationSign in for the explanations

1Explanation for Question 1: The customer gives his name as “David Marshall,” confirming the surname is Marshall.
2Explanation for Question 2: Jeanette says the account has “$18,000 on a term of 180 days,” confirming the term.
3Explanation for Question 3: Jeanette corrects the two-year rate to a “special deal” of “3.85%,” confirming the rate per annum.
4Explanation for Question 4: Jeanette says they offer a “monthly interest option” on term deposits, confirming the heading.
5Explanation for Question 5: Jeanette explains that “28% is the maximum tax on those earnings,” confirming the tax rate is maximum.
6Explanation for Question 6: Jeanette says a PIE’s “investment return changes depending on how much tax you normally pay,” and the customer clarifies, “According to my income bracket.”
7Explanation for Question 7: Jeanette says that for earnings “between $70,000 and $120,000,” the two-year PIE rate rises to 3.92%.
8Explanation for Question 8: When asked about hidden charges, Jeanette replies, “No. No fees at all for investing in a PIE.”
9Explanation for Question 9: Jeanette lists the payment options as “every month, quarterly, six monthly, or yearly,” confirming quarterly.
10Explanation for Question 10: Jeanette says applications can be made “on our website, by phone, or pop into one of our branches.”

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Scoring

IELTS band calculation for the Listening section.

Enter your score to see your band, or check the table below for the full scoring pattern.

Your raw score

0/ 10

035810

NABand

Your estimated band

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Band scoresSwipe

Scoring

IELTS band calculation for the Listening section.

Enter your score to see your band, or go through the table below to know the scoring pattern of the listening section.

Your raw score

0/ 10

00204060810

Your estimated band

NABand

Answer the questions and press Show answers to see your band.

About the test

Understand the task before you practise it.

You’ve now gone through the City Bank Customer Service answers. Understanding the context of the recording will help you approach similar Section 1 tasks with more confidence. Here’s a short summary of the passage.

Summary of the passage

A man phones City Bank customer service with questions about a term deposit. Listen for the details included in the conversation and note the words that complete each answer.

Want the real exam format? Try the IELTS Listening Mock Test.

FREE Listening Mock Test

Task types in City Bank Customer Service listening answers

1–10

Table Completion

Questions 1 to 10

Here, you fill the missing cells of a table using information from the recording. Read the column headings first so you know exactly what kind of detail each gap needs.

Key highlights of the IELTS Listening section

Remember

1time only

Each recording plays only once, so stay focused throughout the task.

In total

40questions

Divided into 4 different sections of 10 questions each.

Same pattern

AcademicGeneral Training

The Listening test is identical for Academic and General Training.

The audio can be

A Social Conversation

A Social Monologue

An Academic Discussion

An Academic Lecture

Remember

1time only

Each recording plays only once, so stay focused throughout the task.

In total

40questions

Divided into 4 sections of 10 questions each.

Same pattern

AcademicGeneral Training

The Listening test is identical for Academic and General Training.

The audio can be

A Social Conversation

A Social Monologue

An Academic Discussion

An Academic Lecture

IELTS Listening common mistakes

4 mistakes that cost marks

Candidates most often lose marks in this section because of the following errors:

Answering before listening to the entire audio.

Not reading the questions carefully before attempting.

Lack of practice before taking the test.

Ignoring grammatical and spelling errors.

Take a listening Mock Test

IELTS Listening common mistakes

4 mistakes that cost marks

Candidates most often lose marks in this section because of the following errors:

Take a listening Mock Test

Answering before listening to the entire audio.

Not reading the questions carefully before attempting.

Lack of practice before taking the test.

Ignoring grammatical and spelling errors.

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City Bank Customer ServiceIELTS Listening Practice Test with Answers

Play City Bank Customer Service audioAudio -Listen, answer, then check your score and explanations.

Questions for City Bank Customer Service

Questions 1–4

IELTS band calculation for the Listening section.

IELTS band calculation for the Listening section.

Conclusion

Understand the task before you practise it.

Task types in City Bank Customer Service listening answers

Table Completion

Key highlights of the IELTS Listening section

IELTS Listening common mistakes

IELTS Listening common mistakes

4 mistakes that cost marks

Practice builds confidence! Take FREE IELTS tests and master individual sections.

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