--- title: Cards, banks and apps — a lesson of Mova's school · trees and pragmatics description: «Cards, banks and apps», a lesson of the adult life course of Mova's primary school, sentence by sentence with dependency trees and pragmatics. It begins: Most grown-ups keep their money in a bank account, and most of it is never seen as notes and coins. --- [Mova](https://md.mova.elamur.ai/free/en/) · [this page in HTML](https://mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/) [home](https://md.mova.elamur.ai/free/en/) / [corpora](https://md.mova.elamur.ai/free/en/corpora/) / [school](https://md.mova.elamur.ai/free/en/corpora/school/) / [Adult life](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/) / Cards, banks and apps # Cards, banks and apps Lesson 7 of the adult life course of Mova's primary school: 19 sentences, each with its syntax tree and pragmatics. The lessons are written for Mova, and their agreed trees are part of Mova corpus 0.4 (CC BY-SA 4.0). How Mova does on its tests: [the lesson at school](https://md.mova.elamur.ai/free/en/school-run/adult-life/7-cards-banks-and-apps/). - [0](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/0/) — Most grown-ups keep their money in a bank account, and most of it is never seen as notes and coins. - [1](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/1/) — It moves as numbers when a card is tapped, a bill goes out or pay comes in. - [2](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/2/) — A debit card spends money already in the account; a credit card borrows money that must be paid back later. - [3](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/3/) — A PIN is the secret number that proves the card is yours. - [4](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/4/) — Banks pay interest on savings, and they charge interest when you borrow. - [5](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/5/) — Interest that grows on interest is called compound interest. - [6](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/6/) — Example: in a café in Toronto, Mum taps her phone on the reader and the coffee is paid in a second. - [7](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/7/) — That night she opens her banking app and groans: "The app says we've spent eighty dollars on takeaways this month." - [9](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/9/) — Contactless means paying by touching a card or phone to a reader, and real money leaves the account even though no notes change hands. - [10](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/10/) — A PIN is a secret four-digit number that proves a card is yours, and banks never ask for it on the phone. - [11](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/11/) — A debit card spends money already in the account; a credit card borrows money from the card company to be paid back later. - [12](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/12/) — An overdraft lets you spend below zero, which is borrowing, and banks charge high interest on it. - [13](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/13/) — A savings account pays interest, a little extra money each year for every pound kept there, because the bank lends your money to others. - [14](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/14/) — Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way. - [16](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/16/) — A bank statement lists everything that went in and out of an account, and grown-ups check it for mistakes and fraud. - [17](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/17/) — A subscription keeps taking money every month until it is cancelled, and free trials often turn into payments. - [18](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/18/) — Some cash machines charge a fee for taking out money, while most bank ones are free. - [19](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/19/) — Banks offer children's accounts to keep savings safe and teach how banks work. - [20](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/20/) — Cashback at a shop means taking your own money out as cash while paying by card; it is not a gift. - ← previous: [Paying for a home and the bills](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/6-paying-for-a-home-and-the-bills/) - next →: [Borrowing and debt](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/8-borrowing-and-debt/) - ↑ back to [Adult life](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/)