Step 6 of 20 · Stage 4, Core domains
30% through the syllabus
Banking & Finance
Home loans, accounts, super, the ATO, insurance and fraud.
21 lessons · 19 dialogues · 1 vocabulary deck · 1 mock test · 4h 26m
After this step you can
- Interpret home-loan, account, superannuation and ATO conversations
- Handle rates, fees, balances and dates with total numeric accuracy
- Relay fraud and dispute processes step by step
Watch out for
Numbers. This domain is dense with them, and a wrong figure is a full distortion, not a slip.
Before you start: finish Step 5 · Legal & Tenancy. Nothing is locked, but the path is ordered for a reason.
What's inside, in order
21 lessons across 2 units, easiest first.
Warm-ups
Short, gentle warm-up dialogues to build your confidence before the full settings.
- Unlock →Warm-up: Asking a Teller for Your BalancePractice dialogue · 3 min
Your first gentle rep: help a customer simply ask a teller for their account balance — short, friendly, and a real win.
- Unlock →Easy: Reporting a Lost Debit CardPractice dialogue · 4 min
A short, real exchange: help someone calmly report a lost debit card and get it blocked — reassuring and simple.
- Unlock →Building up: Setting Up a Direct Debit for a BillPractice dialogue · 5 min
Building up to test length: help a customer set up a simple direct debit so a regular bill pays itself each month.
Banking & Finance
Home loans, accounts, super, the ATO, insurance and fraud.
- Unlock →Banking & Finance vocabularyVocabulary deck · 8 min
The high-value English ↔ Tamil terms for this domain.
- Unlock →Home Loan Application: First-Home BuyersPractice dialogue · 14 min
A young Tamil-speaking couple meet a home-loan specialist at a bank to apply for their first mortgage. The lender explains borrowing capacity, the deposit, Lenders Mortgage Insurance, interest rates, monthly repayments, offset accounts, stamp-duty concessions and pre-approval. Numbers and percentages are central throughout.
- Unlock →Opening an Everyday Account: A New ArrivalPractice dialogue · 14 min
A recently arrived Tamil-speaking migrant visits a bank branch to open an everyday transaction account. The customer service officer explains the 100-points-of-ID requirement, calculates the points from a passport and Medicare card, covers monthly fees, the debit card, BSB and account numbers, and overseas transfers. Simple, foundation-level language.
- Unlock →Choosing a Super Fund and Adding ContributionsPractice dialogue · 14 min
A Tamil-speaking worker meets a superannuation consultant to understand how super works in Australia. They discuss the employer's Super Guarantee, choosing a fund, preservation age, salary-sacrifice contributions and the concessional cap, consolidating multiple accounts, the risk of losing insurance, and nominating a beneficiary.
- Unlock →ATO Tax Debt and GST for a Small BusinessPractice dialogue · 14 min
A Tamil-speaking owner of a small trucking business meets a tax officer about an outstanding tax debt and an unmet GST obligation. They discuss the debt amount, the GST registration threshold, a payment plan, the Business Activity Statement, deductible business expenses, late-lodgement penalties, and finally agree on a monthly instalment arrangement.
- Unlock →Car Insurance Claim After a Not-at-Fault AccidentPractice dialogue · 14 min
A Tamil-speaking policyholder phones their insurer to lodge a claim after another driver rear-ended their car. The claims officer explains the excess, how a not-at-fault claim affects it, the need for the other driver's details, the assessor's inspection, the hire-car entitlement, the effect on the premium, and issues a claim number.
- Unlock →Reporting a Scam and Unauthorised TransactionsPractice dialogue · 14 min
A bank's fraud officer calls a Tamil-speaking customer about suspicious transactions. The customer reveals they shared a one-time code after a scam call. The officer explains the card has been cancelled, raises a dispute, advises changing passwords and enabling two-factor authentication, recommends reporting to Scamwatch, and provides a reference number.
- Unlock →Mortgage Hardship: Pausing Repayments, Accruing Interest and Your Credit ReportPractice dialogue · 14 min
A Tamil-speaking borrower who has lost their income asks the bank's hardship team to pause their mortgage, and the officer explains a formal financial-hardship arrangement — a temporary pause versus reduced payments, that interest still accrues, and how it shows on the credit report — before they agree to reduced repayments of one thousand dollars a month for six months.
- Unlock →Financial Counselling: Buy-Now-Pay-Later and Credit-Card DebtPractice dialogue · 14 min
A free financial counsellor helps a Tamil-speaking client whose credit-card and buy-now-pay-later debts have spiralled, explaining how to stop the debt growing, the National Debt Helpline, prioritising essential bills, and a possible debt agreement.
- Unlock →Sending Money Overseas for a Hospital BillPractice dialogue · 14 min
A Tamil-speaking customer asks a bank international payments officer to transfer AUD 8,000 to his hospitalised brother in Chennai, and the officer explains the rate, fee, timeframe, limit and compliance checks before releasing the payment.
- Unlock →Term Deposit Maturity And Rollover OptionsPractice dialogue · 14 min
A retiree's $50,000 twelve-month term deposit at 4.60% is maturing, and a bank consultant explains the grace period, the lower rollover rate, early-break penalties, and a high-interest savings alternative before the customer chooses a six-month rollover.
- Unlock →Releasing a Deceased Father's Estate as ExecutorPractice dialogue · 14 min
As executor, a Tamil-speaking daughter meets a bank deceased-estates officer to release her late father's $42,000 held across a savings account and a term deposit, and learns what probate, the joint account, an overpaid Centrelink pension and the funeral invoice mean for the estate.
- Unlock →Refinancing A Home Loan For A Lower Rate And CashbackPractice dialogue · 14 min
A mortgage broker walks a Tamil-speaking homeowner through refinancing a $520,000 loan to a lower rate with cashback, covering the comparison rate, switching fees, LMI, offset versus redraw, serviceability and a PEXA settlement.
- Unlock →Lodging a Storm-Damage Home Insurance ClaimPractice dialogue · 14 min
A Tamil-speaking policyholder lodges a claim after a storm damaged their roof and ruined carpets and furniture, and the assessor explains the excess, possible underinsurance, coverage limits, temporary accommodation, and settlement options.
- Unlock →TPD Insurance Claim on a Superannuation AccountPractice dialogue · 14 min
A factory worker with a serious back injury who can no longer work lodges a Total and Permanent Disability claim on the default insurance held inside his AustralianSuper account, and the consultant explains the 'any occupation' test, the six-month waiting period, the medical evidence needed, how the lump sum is taxed and affects his balance and contributions, and his right to take a declined claim to AFCA.
- Unlock →Setting Up a Restaurant Business AccountPractice dialogue · 14 min
A couple opening a Tamil restaurant meet a business banking manager to set up a business transaction account linked to their ABN and GST, an EFTPOS merchant facility, a business overdraft, and each director's director ID.
- Unlock →Buying Rupees for a Family Wedding in IndiaPractice dialogue · 14 min
A Tamil-speaking traveller comes to a foreign exchange desk to buy INR 300,000 for a family wedding in India, and the consultant explains the retail rate, the margin, ordering cash, a travel money card and the airport cash declaration rule before locking in the rate.
- Unlock →Banking & Finance mock testMock test · 22 min
A two-dialogue mock drawn from Banking & Finance under exam conditions — marked out of 90.
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