Đổi ngoại tệ USD sang VND - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách đổi USD sang VND cho chuyến đi Việt Nam. 3 câu hỏi: amount, rate, fee.
Hội thoại
Teller: Hello, how can I help you today?
Customer (Lisa): Hi, I'd like to exchange USD 1,000 for Vietnamese Dong. I'm traveling to Vietnam next week.
Teller: Of course. Today's exchange rate is 1 USD = 25,400 VND. We charge a USD 5 flat fee for currency exchange.
Lisa: So I'd receive 25,400,000 VND minus the USD 5 fee?
Teller: Actually, the rate already accounts for our service margin. Let me check the math: USD 1,000 × 25,400 = 25.4 million VND.
Lisa: I see. How about the rate? Is it competitive compared to the airport?
Teller: Yes, our rate is about 0.5% above the mid-market rate, which is much better than airport exchange counters that typically add 3-5%.
Lisa: Great. Please proceed.
Teller: Sure. Please show your ID for the transaction, since it exceeds the reporting threshold for foreign currency.
3 câu hỏi trắc nghiệm
Question 1: How much does the customer want to exchange?
- (A) USD 500
- (B) USD 1,000 ✓
- (C) USD 2,000
- (D) USD 5,000
Đáp án: (B) - "USD 1,000".
Question 2: What is the exchange rate today?
- (A) 1 USD = 24,000 VND
- (B) 1 USD = 25,400 VND ✓
- (C) 1 USD = 26,000 VND
- (D) 1 USD = 27,000 VND
Đáp án: (B) - "1 USD = 25,400 VND".
Question 3: What is the bank's markup on the exchange rate?
- (A) 0.1%
- (B) 0.5% ✓
- (C) 3%
- (D) 5%
Đáp án: (B) - "0.5% above the mid-market rate".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| exchange | đổi ngoại tệ |
| traveling | đi du lịch |
| today's exchange rate | tỷ giá hôm nay |
| flat fee | phí cố định |
| service margin | biên lợi nhuận dịch vụ |
| math | tính toán |
| competitive | cạnh tranh |
| airport | sân bay |
| mid-market rate | tỷ giá giữa |
| proceed | tiến hành |
| exceeds | vượt quá |
| reporting threshold | ngưỡng báo cáo |
| foreign currency | ngoại tệ |
| show ID | xuất trình ID |
| Vietnamese Dong | Việt Nam Đồng (VND) |
Traps
Bẫy 1: Confusing exchange rate
- Spread 0.5% của bank = different from mid-market.
Bẫy 2: Reporting thresholds
- USD 10k+ cho domestic CTR; foreign currency USD 1k+ có rules riêng.
Bẫy 3: Math calculation
- 1,000 × 25,400 = 25,400,000 VND - đọc kỹ số 0.
Topic: Currency exchange USD to VND với markup 0.5%.
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