Learn how to open a bank account using the plural partitive
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| INTRODUCTION |
| Eric: Hi everyone, and welcome back to FinnishPod101.com. This is Intermediate Season 1 Lesson 16 - Opening a Finnish Bank Account. Eric here. |
| Päivi: Hei! I'm Päivi. |
| Eric: In this lesson you’ll learn vocabulary and phrases that will be useful for opening a bank account, and about using the plural partitive. The conversation takes place at a bank. |
| Päivi: It's between Linnea and a bank employee. |
| Eric: The speakers are strangers, so they’ll use formal Finnish. Okay, let's listen to the conversation. |
| DIALOGUE |
| Haastattelija: Päivää! Istukaa vain alas. Miten voin olla avuksi? |
| Linnea: Päivää! Haluaisin avata uuden pankkitilin. Olen katsonut internetistä pankkien tietoja, ja mielestäni teillä on parhaimmat ehdot. |
| Haastattelija: Ahaa, hienoa! Onko teillä henkilöllisyyspapereita mukana? |
| Linnea: Käykö Kela-kortti tai passi? |
| Haastattelija: Kuvallinen Kela-kortti tai passi käy. |
| Linnea: Selvä, etsin teille sitten passini. Hetki vain. |
| Haastattelija: Ok, laitan teille sillä aikaa tähän kaavakkeita valmiiksi. Olettehan te siis avaamassa yksityisasiakkaan tiliä? |
| Linnea: Itse asiassa, jos mahdollista, avaisin samalla tilin myös yritykselleni. |
| Haastattelija: Ahaa, tarvitsemme sitten myös joitakin yrityksenne papereita, kuten kaupparekisteriotteen. |
| Linnea: Aivan, minulla on kaikki paperit täällä kansiossa. |
| Eric: Listen to the conversation with the English translation. |
| Bank Employee: Good afternoon! Please just sit down. How can I help you? |
| Linnea: Good afternoon! I would like to open a new bank account. I have been researching information on banks on the Internet, and I think you have the best terms. |
| Bank Employee: Oh, great! Do you have any identification papers with you? |
| Linnea: Is a Kela-card or passport ok? |
| Bank Employee: A Kela-card with photo or a passport is ok. |
| Linnea: Okay, then I’ll look for my passport for you. Just a moment. |
| Bank Employee: Ok, I’ll put some forms here for you in the meantime. So you’re opening a private customer account? |
| Linnea: As a matter of fact, if possible, I would also like to open up an account for my business. |
| Bank Employee: Ah, well then we would also need some of your business papers, such as an extract from the trade register. |
| Linnea: Yes, I have all the papers here in this folder. |
| POST CONVERSATION BANTER |
| Eric: Päivi, could you give us some information about Finnish banks? For example, when was the first bank established? |
| Päivi: The first bank in Finland was established in 1811 in Turku, and it was called the Waihetus- Laina- ja Depositioni-Contori, roughly translated as “The Exchange, Loan, and Deposit Bureau.” The bank moved from Turku to Helsinki in 1819, and became the Bank of Finland in 1840. |
| Eric: The Bank of Finland is the fourth oldest central bank in the world. What are some other banks? |
| Päivi: Other banks include Nordea, Aktia Pankki, or Ålandsbanken. |
| Eric: Is online banking widespread in Finland too? |
| Päivi: Nowadays, most banking transactions and communication in Finland are done online, using internet banking. The majority of Finns pay their bills and do other money transactions online. |
| Eric: Mobile transactions are also becoming very popular in Finland. |
| Päivi: And actually, Finland was one of the pioneers in mobile payment. The first vending machine where you could use a phone call to buy items was introduced in 1997. |
| Eric: Okay, now onto the vocab. |
| VOCAB LIST |
| Eric: Let’s take a look at the vocabulary from this lesson. The first word is.. |
| Päivi: avata [natural native speed] |
| Eric: to open |
| Päivi: avata[slowly - broken down by syllable] |
| Päivi: avata [natural native speed] |
| Eric: Next we have.. |
| Päivi: pankkitili [natural native speed] |
| Eric: bank account |
| Päivi: pankkitili[slowly - broken down by syllable] |
| Päivi: pankkitili [natural native speed] |
| Eric: Next we have.. |
| Päivi: ehto [natural native speed] |
| Eric: term, condition |
| Päivi: ehto[slowly - broken down by syllable] |
| Päivi: ehto [natural native speed] |
| Eric: Next we have.. |
| Päivi: henkilöllisyyspaperit [natural native speed] |
| Eric: identity papers, identification papers |
| Päivi: henkilöllisyyspaperit[slowly - broken down by syllable] |
| Päivi: henkilöllisyyspaperit [natural native speed] |
| Eric: Next we have.. |
| Päivi: Kela-kortti [natural native speed] |
| Eric: Kela-card |
| Päivi: Kela-kortti[slowly - broken down by syllable] |
| Päivi: Kela-kortti [natural native speed] |
| Eric: Next we have.. |
| Päivi: kuvallinen [natural native speed] |
| Eric: with photo, with image |
| Päivi: kuvallinen[slowly - broken down by syllable] |
| Päivi: kuvallinen [natural native speed] |
| Eric: Next we have.. |
| Päivi: kaavake [natural native speed] |
| Eric: form |
| Päivi: kaavake[slowly - broken down by syllable] |
| Päivi: kaavake [natural native speed] |
| Eric: Next we have.. |
| Päivi: yksityisasiakas [natural native speed] |
| Eric: private customer |
| Päivi: yksityisasiakas[slowly - broken down by syllable] |
| Päivi: yksityisasiakas [natural native speed] |
| Eric: Next we have.. |
| Päivi: itse asiassa [natural native speed] |
| Eric: as a matter of fact, actually |
| Päivi: itse asiassa[slowly - broken down by syllable] |
| Päivi: itse asiassa [natural native speed] |
| Eric: And last.. |
| Päivi: kaupparekisteriote [natural native speed] |
| Eric: an extract from the trade register |
| Päivi: kaupparekisteriote[slowly - broken down by syllable] |
| Päivi: kaupparekisteriote [natural native speed] |
| KEY VOCAB AND PHRASES |
| Eric: Let's have a closer look at some of the words and phrases from this lesson. The first word is.. |
| Päivi: pankkitili |
| Eric: meaning "bank account." |
| Päivi: The word pankkitili refers only to accounts in a bank. To refer to any other kind of account, you can use the word tili meaning "account." |
| Eric: Can you give us an example using the word meaning “bank account”? |
| Päivi: Sure. For example, you can say.. Joissakin maissa pankkitilin avaaminen saattaa olla hankalaa. |
| Eric: which means "In some countries, opening a bank account may be troublesome." Okay, what's the next word? |
| Päivi: henkilöllisyyspaperit |
| Eric: meaning "identity papers,” or “identification papers." This word is used when talking about an ID, so identification papers. |
| Päivi: In Finland this can mean, for example, a passport, driver's license, or Kela-card with a photo. |
| Eric: Can you give us an example using this word? |
| Päivi: You can say.. Jos ostat alkoholia, sinulta saatetaan kysyä henkilöllisyyspapereita. |
| Eric: .. which means "If you buy alcohol, you may be asked for an ID." |
| Päivi: The short form of henkilöllisyyspaperit is henkkarit. This is often heard in casual speech and normal language, and is even used by policemen or other officials. |
| Eric: Okay, what's the next word? |
| Päivi: Kela-kortti |
| Eric: meaning "Kela-card." |
| Päivi: This word is used solely when referring to the Finnish personal health insurance card Kela-kortti, "Kela-card." Every permanent resident in Finland has one. |
| Eric: Can you give us an example using this word? |
| Päivi: Sure. For example, you can say.. Sain eilen uuden kuvallisen Kela-kortin. |
| Eric: .. which means "I received a new Kela-card with a photo yesterday." |
| Päivi: If you want to refer to another kind of health insurance card, you can use the generic expression terveysvakuutuskortti meaning "health insurance card." |
| Eric: Okay, now onto the lesson focus. |
Lesson focus |
|---|
| Eric: In this lesson, you'll learn about vocabulary and phrases that are useful for opening a bank account, and about mastering the plural partitive. |
| Päivi: You use the plural partitive when you talk about an unspecified number of something. |
| Eric: In this lesson, the plural partitive was featured a few times, for example... |
| Päivi: tietoja, in the sentence Olen katsonut internetistä pankkien tietoja. |
| Eric: “I have been researching information on banks on the Internet.” |
| Päivi: or henkilöllisyyspapereita in Onko teillä henkilöllisyyspapereita mukana? |
| Eric: “Do you have any identification papers with you?” |
| Päivi: If you’re talking about all of something, you can simply use the plural basic form or the nominative plural form, the one ending with -t. |
| Eric: On the other hand, when you are talking about only some objects, so not all of them, or you don’t know the exact number, you use the plural partitive. Let’s make an example to compare the two forms. |
| Päivi: For example, using the plural basic form you can say Kaavakkeet ovat pöydällä |
| Eric: which means “All of the forms are on the table.” |
| Päivi: and using the plural partitive, Pöydällä on kaavakkeita. |
| Eric: which means “Some forms are on the table.” |
| Päivi: The plural partitive is also used to say where something is. For example, Keskustassa on paljon pankkeja. |
| Eric: “There are lots of banks in the downtown area.” |
| Päivi: It can be also used when saying what someone has or hasn’t got, as in Joillakin pankeilla on paljon asiakkaita ruuhka-aikaan. |
| Eric: Meaning “Some banks have a lot of customers during rush-hour,” |
| Päivi: or when saying what things or people are like, as in Pankkitoimihenkilöt ovat pääosin avuliaita. |
| Eric: “Bankers are mainly helpful.” Listeners, you can find the rules for the formation of the plural partitive in the lesson notes. Let’s see some examples by comparing the partitive singular, partitive plural, and nominative plural. Let’s look at the word that means “bank.” |
| Päivi: The partitive singular is pankkia, the partitive plural is pankkeja, and the nominative plural is pankit |
| Eric: Can you also give us these words in sentences, so that the difference will be clearer? Let’s start with the partitive singular. |
| Päivi: Etsin luotettavaa ja suosittua pankkia. |
| Eric: “I am looking for a reliable and popular bank.” Now the partitive plural. |
| Päivi: Pankkeja on niin monenlaisia. |
| Eric: “There are so many kinds of banks.” Finally, the nominative plural. |
| Päivi: Monet pankit ovat myös lopettaneet toimintansa. |
| Eric: “Many banks have also ceased their actions.” Let’s finish up this lesson by giving some vocabulary related to the banking world. |
| Päivi: IBAN- tilinumero |
| Eric: “International Bank Account Number, IBAN” |
| Päivi: luottokortti |
| Eric: “credit card” |
| Päivi: nosto |
| Eric: “withdrawal” |
| Päivi: tallettaa |
| Eric: “deposit, bank deposit” |
| Päivi: tiliote |
| Eric: “account holder” |
| Päivi: tilinumero |
| Eric: “bank account number.” Listeners, don’t forget that you can find more in the lesson notes. |
Outro |
| Eric: Okay, that’s all for this lesson. Thank you for listening, everyone, and we’ll see you next time! Bye! |
| Päivi: Hei hei! |
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