A–Z 索引
金融
34 个词条ACCC
noun澳大利亚竞争与消费者委员会
The Australian Competition and Consumer Commission, the national consumer protection and competition regulator.
The ACCC warned shoppers about fake discount claims.
ACCC提醒购物者注意虚假折扣宣传。AFCA
noun澳大利亚金融投诉局
The Australian Financial Complaints Authority, a free service for disputes with banks, insurers and super funds.
She took her insurance dispute to AFCA.
她把保险纠纷提交给了AFCA。Austudy
noun25岁以上学生补助
A Centrelink payment for eligible full-time students aged 25 and over.
He applied for Austudy when he went back to study.
他重返校园时申请了Austudy补助。bank statement
noun银行对账单
A record from your bank showing money paid in and out of your account.
The landlord asked for three months of bank statements.
房东要了三个月的银行对账单。BPAY
nounBPAY账单支付系统
A system for paying bills through online banking using a biller code and reference number.
Pay the electricity bill with BPAY.
用BPAY支付电费。BSB
noun银行分行代码（BSB）
A six-digit number that identifies an Australian bank and branch, used with an account number for transfers.
Enter the BSB and account number to receive your pay.
输入BSB和账号来接收工资。
先买后付
A service that lets you get goods now and pay in instalments, often without interest if paid on time.
Late fees on buy now pay later plans can add up.
先买后付的逾期费会越积越多。card surcharge
noun刷卡附加费
An extra fee some businesses add when you pay by card.
The taxi added a card surcharge to the fare.
出租车在车费上加了刷卡附加费。change of mind
noun改变主意（退货）
Returning an item simply because you no longer want it, which shops do not have to accept.
Many stores don't give refunds for change of mind.
很多商店不接受因改变主意而退款。消费者保障
Rights under Australian Consumer Law that products and services must meet, such as being safe and fit for purpose.
A faulty fridge is covered by the consumer guarantee.
有故障的冰箱受消费者保障保护。credit score
noun信用评分
A number showing how reliable you are at repaying debts, used by lenders.
Paying bills on time can improve your credit score.
按时付账单能提高信用评分。direct debit
noun直接扣款，自动扣账
An arrangement that lets a company take regular payments from your bank account.
My gym fees are paid by direct debit every fortnight.
我的健身房费用每两周自动扣款。dishonour fee
noun扣款失败手续费
A fee charged when a payment fails because there is not enough money in the account.
The direct debit failed and I was charged a dishonour fee.
自动扣款失败，我被收了扣款失败手续费。EFTPOS
noun刷卡支付（EFTPOS终端）
The system for paying by card in shops; also the card machine itself.
The café only takes EFTPOS, not cash.
那家咖啡馆只能刷卡，不收现金。延长保修
Extra warranty cover you can buy, which may overlap with your free consumer guarantee rights.
Think carefully before paying for an extended warranty.
购买延长保修前请慎重考虑。家庭税务福利
A Centrelink payment that helps eligible families with the cost of raising children.
They applied for Family Tax Benefit after the birth.
他们在孩子出生后申请了家庭税务福利。
附加福利税
An Australian tax on certain non-cash employee benefits.
The accountant explained fringe benefits tax.
会计解释了附加福利税。insurance excess
noun保险自付额
The amount you pay yourself when you make an insurance claim.
The insurance excess on my policy is $800.
我的保险自付额是800澳元。lay-by
noun分期预留购买
Paying for an item in instalments while the shop holds it until it is fully paid.
She put the pram on lay-by.
她用分期预留的方式买了婴儿车。negative gearing
noun负扣税（投资亏损抵税）
A situation where deductible investment costs exceed investment income, potentially affecting tax outcomes.
Negative gearing is often discussed in property investing.
负扣税在房产投资中常被讨论。overdraft
noun透支
An arrangement that lets you spend more money than you have in your account, usually with fees.
Check the fees before using an overdraft.
使用透支前先查看费用。育儿补助
A Centrelink income support payment for the main carer of a young child.
She received Parenting Payment while caring for her toddler.
她照顾幼儿期间领取了育儿补助。PayID
nounPayID（绑定手机号或邮箱的收款标识）
A simple identifier such as a phone number or email linked to a bank account so people can pay you quickly.
You can pay me by PayID using my mobile number.
你可以用我的手机号通过PayID付款。price match
noun价格匹配
When a store agrees to sell an item for the same price as a competitor.
Ask whether the shop does a price match.
问问那家店是否提供价格匹配。product recall
noun产品召回
When a business asks customers to return an unsafe product.
Check the product recall list for baby products.
查看婴儿用品的召回清单。