NAATI CCL Japanese Finance & Banking Practice Dialogues — Worked Examples

Good morning. Welcome to Commonwealth Bank. How can I help you today?

オーストラリアに来たばかりで、銀行口座を開設する必要があります。学生ビザで来ました。何が必要ですか？

If you've arrived within the past six weeks, you only need your passport to open an account. After six weeks, you'll need additional identification. When did you arrive?

先週到着しました。パスポートとビザの確認書はあります。普通預金と当座預金、どちらがいいですか？

For students, I'd recommend both. A transaction account is for everyday purchases and ATM use, and a savings account is for putting money aside. The student account has no fees.

デビットカードはすぐにもらえますか？

We can give you a temporary debit card today. The permanent card arrives within seven business days. I'll also set up internet banking so you can manage your account online.

海外への送金はこの口座からできますか？家族に仕送りをしたいです。

Yes, you can make international transfers through internet banking. The fee varies by destination — usually fifteen to thirty dollars. Processing takes one to three business days.

オンラインバンキングのセキュリティが心配です。安全ですか？

It's protected by two-factor authentication, encryption, and fraud detection. Never share your password or click links in emails claiming to be from the bank.

ありがとうございます。両方の口座を開設したいです。

Good morning. You've applied for a six-hundred-thousand-dollar home loan. Let's go through the details.

ありがとうございます。初めての住宅購入です。5年間頭金を貯めてきました。

How much deposit have you saved? The ratio to the purchase price is important. If it's more than twenty per cent, you won't need lenders mortgage insurance.

12万ドルあります。購入価格は75万ドルなので、16%くらいです。

At sixteen per cent deposit, you'll need lenders mortgage insurance — LMI. It's usually ten to twenty thousand dollars but can be added to the loan amount.

政府支援制度とは何ですか？

The First Home Buyer Guarantee lets you buy with just five per cent deposit and no LMI. Places are limited and allocated on a first-come basis each financial year.

金利は固定と変動、どちらがいいですか？

A fixed rate gives certainty for one to five years but limits extra repayments. A variable rate changes with the market but offers more flexibility, like an offset account.

毎月の返済額はどのくらいになりますか？

For six hundred thousand over thirty years at six point five per cent, monthly repayments are approximately three thousand eight hundred. I'd also recommend building an emergency buffer.

承認される可能性は高いですか？

Thank you for coming in. You've reported unauthorised transactions on your credit card.

明細を確認したら、知らない取引が5件見つかりました。すべて海外のオンラインショップからで、合計2,300ドルです。

We've already frozen the card and will issue a new one. We'll launch an investigation into the unauthorised transactions — a provisional refund is usually made within thirty days.

30日は長いです。その間この2,300ドルを払わなければなりませんか？

No, you're not required to pay the disputed amount. No interest will accrue during the investigation either. Just continue making your normal card payments.

カード情報がどうやって盗まれたか心配です。

Common methods include phishing — fake emails or websites — skimming devices on ATMs or card readers, and data breaches. Have you recently clicked on any suspicious emails or links?

先週、銀行からのメールだと思ってリンクをクリックしてしまいました。カード番号を入力しました。

That was a phishing scam. The bank never asks for your card number by email. Always check the sender's address carefully, and never click links in suspicious emails.

他に保護のためにすべきことはありますか？

Set up a credit alert so you're notified if anyone opens a new account in your name. You can also check your credit report for free once a year through Equifax.

全部やります。こういう詐欺に引っかかったのは恥ずかしいですが、勉強になりました。

Welcome. Let's work through your tax return for this financial year together. Have you brought the necessary documents?

はい、給与明細、銀行の利息証明書、仕事関連の経費の領収書を持ってきました。

Let's start by confirming your income. Do you have any income besides your main employment — such as a side job or sharing economy income?

Uberの運転を週末にしています。また、少額の株式配当もあります。

Both need to be declared. For Uber, you can claim deductions for car maintenance, petrol, insurance, and a portion of your mobile phone costs. Have you been keeping a log of your kilometres?

アプリに記録があります。保険の領収書もあります。

Excellent. Let's also check the expenses from your main job. Do you work from home? If so, you can claim part of your electricity, internet, and office supplies.

週2日在宅勤務です。どうやって計算しますか？

For working from home there's a fixed-rate method — sixty-seven cents per hour. You only need to record the number of hours worked from home. Over a year it adds up to a considerable deduction.

HECSローンの返済にも影響がありますか？

Yes, once your taxable income exceeds a certain threshold, HECS repayments are triggered. This is calculated on your total income including Uber earnings. At your income level, the repayment rate is around four per cent.

全部計算して、還付額を教えてください。

Good morning. You're enquiring about rolling over superannuation from your previous employer. Can I have your account number?

12345678です。最近転職して、スーパーアカウントが2つになりました。1つに統合したいです。

Having multiple super accounts means paying duplicate fees, which eats into your balance. Consolidating is a smart decision. Do you know the fund name and number for the old account?

前の会社の名前はわかりますが、基金の名前がわかりません。

You can search for 'lost super' through your myGov account. The ATO keeps records of all super accounts. With your TFN, it will show everything.

統合する前に確認すべきことはありますか？

Yes, a few important things. Check whether the old fund has any insurance attached — consolidating could cancel that insurance. Also compare fees and investment performance to decide which fund to keep.

保険があるかどうかわかりません。どうやって確認しますか？

Check the latest annual statement from the old fund, or call them directly. Many funds automatically combine when there's only one employer contributing.

いい情報ですね。まず確認してから統合を進めます。

One more thing — consider your investment options. If you're young, a growth option suits you. If you're closer to retirement, a balanced or conservative option is more appropriate. What option are you currently on?

わかりません、確認したことがありません。帰ってから両方の基金を調べて、また連絡します。

Welcome. This is a free and confidential service. Can you tell me about your financial situation?

クレジットカード4枚、個人ローン2本、後払いサービスの借金があります。合計で6万ドル以上の借金です。最低返済額さえ払えなくなりました。

First of all, don't panic. There are solutions. Let's organise all your debts and prioritise them. Essentials like rent and utilities come first.

取り立ての電話が毎日来ます。怖くて電話に出られません。

Debt collectors are restricted by law. Threatening behaviour, excessive contact, and contacting your workplace are all illegal. I can negotiate with your creditors on your behalf and set up a payment plan.

破産するしかないと思っていました。

Bankruptcy is a last resort. Let's explore other options first — a debt agreement, negotiating reduced payments, or freezing interest. In many cases, creditors will agree to settle for less than the full amount.

後払いサービスの借金も交渉できますか？

Yes, buy-now-pay-later debts can be negotiated the same way as other debts. Many providers have hardship programs that allow you to pause or reduce payments.

クレジットスコアに影響しますか？

Late payments have already affected your credit score. But sticking to a repayment plan for twelve months will show improvement. We can also negotiate lower interest rates with your creditors.

来週までにすべての借金の詳細をまとめて持ってきます。初めて解決できるかもしれないと思えました。

You'd like to send money overseas. How much and to which country?

フィリピンの家族に5,000ドル送りたいです。急いでいるので、できるだけ早く届く方法がいいです。

There are several options. A bank transfer takes two to three business days and the fee is twenty-two dollars. Services like Western Union deliver within minutes, but the exchange rate margin is larger. Let's compare.

隠れた手数料はありますか？以前別のサービスで、表示金額と実際の受取額が違っていました。

The exchange rate margin can be a hidden cost. Before sending, always confirm how much the recipient will actually receive after all fees and conversion are applied.

受取人は銀行口座で受け取れますか？それとも現金受取ですか？

Both are possible. A bank transfer is cheapest and most secure. Cash pickup costs more but is faster — usually available within hours. Which does your family prefer?

定期的に送金する場合、割引はありますか？

Setting up regular transfers may qualify for a reduced fee. There's also an option to send automatically when the exchange rate is favourable. I'd recommend setting up a monthly transfer.

送金詐欺が心配です。安全に送る方法は？

Always use licensed remittance providers. Never send money to strangers. Only use banks or authorised transfer services. If an offer seems too good to be true, it's likely a scam.

ありがとうございます。銀行口座への送金を今日手続きしたいです。