Enquiry about payment into a husband's account
Claims officer (speaking English) and Claimant (speaking Swahili) talk through “Enquiry about payment into a husband's account”. You interpret both ways — English into Swahili, and Swahili into English — one segment at a time, exactly as in the CCL test.
English → Kiswahili
Your turn: interpret it aloud in the other language.
Start this dialogue free →NAATI CCL Swahili practice test on naaticcl.com: 315 dialogues and 155 two-dialogue mock tests; transcripts free to read, 311 with model answers, plus a free PDF. First two dialogues AI-marked free (no card; email sign-in for the score, out of 45 per dialogue or 90 for a full mock), then A$9 per full mock or from A$19 / 7 days. Updated 6 Nov 2026. Run by PTE Study Pty Ltd (Australia), independent of NAATI. All Swahili practice · NAATI CCL Swahili mock test online (155 sets) · Soma kwa Kiswahili · Practice websites compared
Read it first if you like, then practise it cold: the recording plays one segment, you interpret, the next segment plays. Marking shows, segment by segment, what you kept, left out or changed.
Full transcript with model answers
Under each segment: a model interpretation, the information points an examiner checks, and the easiest thing to miss. Try the segment yourself first, then open it. The model is one good way to say it; other wordings that keep every point score just as well.
Your enquiry on 19 November mentions an account belonging to your husband. Before discussing authorisation, could you confirm your claim reference and who holds that account?
Model answer and marking points
Uchunguzi wenu wa tarehe 19 Novemba unataja akaunti inayomilikiwa na mume wenu. Kabla ya kujadili suala la idhini, tafadhali thibitisheni namba ya kumbukumbu ya dai lenu na ni nani anayemiliki akaunti hiyo.
What an examiner checks here:
- enquiry dated 19 November
- mentions an account belonging to your husband
- before discussing authorisation
- question: confirm claim reference
- question: who holds the account
Easy to miss: It is two requests, claim reference and account holder, and both must be asked before authorisation is discussed.
Namba ya kumbukumbu ya dai langu inaishia na 4182. Akaunti ni ya mume wangu peke yake. Mimi sina akaunti yangu kwa sasa.
Model answer and marking points
My claim reference number ends in 4182. The account is in my husband's name only. I don't have an account of my own at the moment.
What an examiner checks here:
- claim reference ends in 4182
- account is my husband's
- his name only (sole holder)
- I have no account of my own
- currently / at the moment
Easy to miss: "Peke yake" means the account is his alone, and "kwa sasa" limits the lack of an account to now.
Your turn — don't read the rest yet. Hear this dialogue at native speed and interpret each segment aloud; AI marks what you kept, left out or changed, segment by segment. Your first two full dialogues are marked free.
Interpret it aloud now →Thank you. We need to check your policy wording and claim documents before advising whether payment into your husband's account can be considered.
Model answer and marking points
Asante. Tunahitaji kukagua maelezo ya sera yenu na nyaraka za dai kabla ya kuwashauri kama malipo kwenye akaunti ya mume wenu yanaweza kuzingatiwa.
What an examiner checks here:
- thank you
- need to check policy wording
- and claim documents
- before advising
- whether payment into husband's account can be considered
Easy to miss: "Can be considered" is not a promise of payment, so don't say it will be allowed.
Sawa. Ningependa kujua kama ninahitaji kusaini fomu ya kumruhusu apokee pesa hizo, au kama yeye pia anatakiwa kutoa ruhusa.
Model answer and marking points
Sawa. Ningependa kujua kama ninahitaji kusaini fomu ya kumruhusu apokee pesa hizo, au kama yeye pia anatakiwa kutoa ruhusa.
What an examiner checks here:
- okay
- question: do I need to sign a form allowing him to receive the money
- or
- question: does he also need to give permission
Easy to miss: Keep both questions, and keep who signs (me) and who permits (him too) the right way round.
That depends on the wording and our checks. I'll review the file to establish whose consent and identification are needed, including any authorisation from you.
Model answer and marking points
Hilo linategemea maelezo ya sera na ukaguzi wetu. Nitapitia faili ili kubaini ni idhini na utambulisho wa nani vinavyohitajika, ikiwemo idhini yoyote kutoka kwenu.
What an examiner checks here:
- it depends on the wording
- and on our checks
- I will review the file
- to establish whose consent and identification are needed
- including any authorisation from you
Easy to miss: Identification is needed along with consent, so don't drop it.
Tunafikiria kupanga miadi moja benki ili tuende pamoja. Je, tunahitaji kufungua akaunti ya pamoja, au tunaweza kutumia akaunti yake iliyopo?
Model answer and marking points
Tunafikiria kupanga miadi moja benki ili tuende pamoja. Je, tunahitaji kufungua akaunti ya pamoja, au tunaweza kutumia akaunti yake iliyopo?
What an examiner checks here:
- we are thinking of arranging an appointment at the bank
- to go together
- question: do we need to open a joint account
- or
- question: can we use his existing account
Easy to miss: "Tunafikiria" means they are only considering it, not that it is already booked.
Please don't open a new account solely for this claim yet. First, we should confirm whether the proposed arrangement is permitted under your particular policy.
Model answer and marking points
Tafadhali msifungue akaunti mpya kwa ajili ya dai hili pekee kwa sasa. Kwanza tunapaswa kuthibitisha kama mpango uliopendekezwa unaruhusiwa chini ya sera yenu mahususi.
What an examiner checks here:
- please don't open a new account
- solely for this claim
- not yet
- first confirm whether the proposed arrangement is permitted
- under your particular policy
Easy to miss: It is a negative instruction with "yet", not a permanent ban on opening an account.
Sawa, tutasubiri maelekezo yenu kabla ya kupanga miadi. Nikileta taarifa za akaunti na hiyo ruhusa, hiyo itamaanisha kwamba dai langu limekubaliwa?
Model answer and marking points
Okay, we'll wait for your instructions before arranging the appointment. If I bring the account details and that authorisation, does that mean my claim has been approved?
What an examiner checks here:
- okay, we will wait for your instructions
- before arranging the appointment
- if I bring account details
- and the authorisation
- question: does that mean my claim is approved
Easy to miss: The last sentence is a question and must not become a statement that the claim is approved.
Providing bank details or authorisation does not mean your claim is approved. The assessment remains separate, and we haven't confirmed any payment arrangement with you.
Model answer and marking points
Kutoa taarifa za benki au idhini hakumaanishi kwamba dai lenu limeidhinishwa. Tathmini inabaki tofauti, na hatujathibitisha mpango wowote wa malipo nanyi.
What an examiner checks here:
- bank details or authorisation do not mean approval
- claim is not approved by that
- assessment remains separate
- we have not confirmed
- any payment arrangement with you
Easy to miss: Keep the negatives: "does not mean" and "haven't confirmed any".
Nimeelewa. Kwa hiyo bado mnatathmini dai, na hamjathibitisha kama pesa zinaweza kuingia kwenye akaunti yake. Ninaweza kuleta nyaraka nilizo nazo hapa ofisini?
Model answer and marking points
I understand. So you are still assessing the claim, and you haven't confirmed whether the money can go into his account. Can I bring the documents I have here to the office?
What an examiner checks here:
- I understand
- so you are still assessing the claim
- you have not confirmed
- whether money can go into his account
- question: can I bring the documents I have to the office
Easy to miss: "Hamjathibitisha kama" is "haven't confirmed whether", not "have confirmed that it can".
Yes, bring your existing policy and claim documents to this Penrith office. We'll check the wording and explain any required authorisation before you make arrangements.
Model answer and marking points
Ndiyo, leteni sera yenu iliyopo na nyaraka za dai kwenye ofisi hii ya Penrith. Tutakagua maelezo ya sera na kuwaeleza idhini yoyote inayohitajika kabla hamjafanya mipango.
What an examiner checks here:
- yes, bring existing policy
- and claim documents
- to this Penrith office
- we will check the wording
- and explain any required authorisation before you make arrangements
Easy to miss: The explanation of authorisation comes before they make any arrangements, so keep that order.
Sawa, nitaleta nyaraka za bima na za dai nilizo nazo. Nitasubiri kwanza mnijulishe kinachohitajika, halafu mimi na mume wangu tutapanga hatua inayofuata.
Model answer and marking points
Okay, I'll bring the insurance and claim documents I have. I'll wait first for you to tell me what is required, and then my husband and I will plan the next step.
What an examiner checks here:
- I will bring insurance documents
- and claim documents I have
- wait first for you to tell me what is required
- then my husband and I
- will plan the next step
Easy to miss: Waiting comes before any planning, and the next step is planned by both the husband and the speaker.
Practise it
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Start this dialogue →More Swahili dialogues
Same topic · Insurance
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Practice dialogue written to the CCL specification (two speakers, segments of 35 words or fewer, about 300 words). It is a practice text, not a NAATI test paper, and the AI score is this site's estimate, not a NAATI result. All Swahili dialogues · All languages