Band 5.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.0 · Cambridge IELTS 15 · 2026-08-13
IELTS Writing Task 2 question
In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Student answer (Band 5.0)
-> on the one hand, meny crintries nowadays shifting to contactless payments through sell phones which is a great innovation now people don't have to carry more cash for purchasing things they want they just need a sell phone with Internet and it's pone. this improvement in a payment helps people a lot in many ways some example are, no need of cash, low theft records, no money laundering these are the positive developments with sell phone transactions.
Another major change occurs in banking system wher before people used to go to banks for their transactions and for withdrawell of cash where they have to spend their time on that process but now with the new technology people do not have to go to banks for any work they can simply do all work in their mobile applicition which is a great innovation.
-> on the other hand, technology helps people to improve transactions but there are some disadvantages of sell phone payments the main problem is cyber fraud nowadays I see so meny cases of cyber fraud in news and majority of them occurs with old age
people because they don't have
much knowledge about sell phones so
this cyber fraud caller trick them as
a bank representative of banker and
ask for personal details
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.0 |
Task Achievement / Task Response — Band 5.0
The response addresses the topic of mobile payments but fails to meet the minimum word count requirement of 250 words, reaching only 216 words. This significantly impacts the development of ideas. While you identify both advantages (convenience, security) and disadvantages (cyber fraud), the arguments are underdeveloped and lack a clear introduction or conclusion. To improve, you must expand on your points with more detailed explanations and specific examples to meet the length requirement and provide a more comprehensive discussion of the topic.
Coherence and Cohesion — Band 5.0
The essay is divided into paragraphs, but the structure is weak. The use of cohesive devices is very limited; for example, the transition 'on the one hand' is used, but the overall flow between sentences is disjointed. There is a lack of logical progression, and the absence of a formal introduction and conclusion makes the essay feel like a collection of thoughts rather than a cohesive argument. You should focus on using a wider variety of linking words (e.g., 'furthermore', 'consequently', 'in contrast') to connect your ideas more effectively.
Lexical Resource — Band 5.0
The vocabulary is quite basic and repetitive, with frequent spelling errors such as 'meny' for 'many', 'crintries' for 'countries', and 'sell phones' for 'cell phones'. The range of vocabulary is limited, and there is little attempt to use more sophisticated or topic-specific language. To improve, you should practice using synonyms and more precise terminology related to technology and finance. Additionally, careful proofreading is necessary to correct basic spelling mistakes that detract from the professional tone of your writing.
Grammatical Range and Accuracy — Band 5.0
The grammar is characterized by frequent errors that occasionally impede readability. There is a lack of punctuation, particularly in the first paragraph, which consists of long, run-on sentences. You struggle with basic sentence construction, subject-verb agreement, and article usage (e.g., 'as a bank representative of banker'). The range of structures is limited, relying mostly on simple sentences. To improve, focus on mastering basic sentence punctuation, such as using periods to separate independent clauses, and work on developing more complex sentence structures.
See this exact question answered at other band scores — the same prompt compared across bands.
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