Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 15 · 2026-08-22

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 6.0)

In the number countries, payments through online application are becoming popular nowadays. This essay will discuss the prime benefits of it, , firstly it is a most convenient and faster method of payment . Secondly, it can track spendings of a person.

The first and foremost benefit of the online payment is that it is easy to use and it also helps a person to save the time. That is to say, If a person wants to do a payment of large amount at any shop, one can do it with a click in the few seconds and need not to carry paper currency with them regardless with the country. For example, a person can purchase a car or a house for their parents by sitting in the different country through online payment app or Net banking.

Through online payment applications one can track one's spending and saving records. As there are track meters in different banking apps where a person can track one's daily spendings also these track meters help a person how to use money wisely. In illustration, TD bank has significant track meter where a person can see one's overspendings and can become careful in future regarding money. Admittedly, digital payment systems are not completely free from problems, as users may face cyberattacks, technical failures. However, these risks can be minimized by using strong passwords and secure networks.

In conclusion, mobile payment application has more advantages , as it is more easier to use even if person is in the different country and it also help people how to spend and save money.

AI examiner evaluation

Task Achievement / Task Response — Band 6.0

The essay addresses the prompt by identifying advantages and briefly acknowledging disadvantages. However, the development of ideas is somewhat limited. While you mention convenience and tracking spending, the examples provided—such as purchasing a house in another country—are slightly unrealistic or lack depth. The position is clear, but the discussion of disadvantages is relegated to a single sentence, which prevents a balanced exploration of the topic. To reach a higher band, ensure that both sides of the argument are explored with more substantial, logical reasoning and concrete, realistic examples.

Coherence and Cohesion — Band 6.0

The essay is organized into logical paragraphs, and there is a clear progression of ideas. You use basic cohesive devices such as 'firstly', 'secondly', and 'in conclusion' to link your points. However, some transitions are mechanical, and the flow between sentences could be smoother. For instance, the transition into the paragraph about tracking spending feels abrupt. Additionally, some referencing is slightly unclear, such as the use of 'it' in the opening sentence. Improving the variety of linking words and ensuring that each paragraph has a clear topic sentence would enhance the overall coherence.

Lexical Resource — Band 6.0

You demonstrate an adequate range of vocabulary for the task, using terms like 'cyberattacks', 'technical failures', and 'digital payment systems'. However, there are some inaccuracies in word choice and collocation, such as 'track meters' instead of 'budgeting tools' or 'spending trackers', and 'do a payment' instead of 'make a payment'. The phrase 'in the number countries' is also grammatically incorrect and unnatural. To improve, focus on learning common collocations and using more precise terminology to express your ideas more naturally.

Grammatical Range and Accuracy — Band 5.5

You use a mix of simple and complex sentence structures, but there are frequent grammatical errors that occasionally distract the reader. Examples include 'in the number countries', 'save the time', 'need not to carry', and 'it is more easier'. Punctuation is also inconsistent, particularly with the double comma after 'it' in the introduction. While these errors do not completely impede communication, they occur frequently enough to prevent a higher score. Focusing on subject-verb agreement, article usage, and comparative structures will help improve your accuracy.

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