Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 15 · 2026-08-24

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 this cutting edge era, mobile banking is playing vital role in each and every individual's life. Because, it is becoming more easier to pay instantly by using mobile phone application rather than carrying cash money in pocket. Which have some positive as well as negative point of views and those are given below in details.

The development of payment application impacts positively in every individuals as it saves time mainly. Because, all people across the world wants to save times, while standing in que in markets, mall or somewhere related to payments time. Even, all platforms: ticket collection of any shows, flights and many more are using the option of UPI or online banking option for payments, because it feels easier to pay instant to save our sits in theater or plain instead of filling such personal details in from or standing in long que to pay for particular products or things.

However, there are some consequences affected by developing online banking application to youth. The main cause is fraud. As we know, phone pay applications are the most considered platform for having fraud in society, because almost every online banking applications require to connect with out actual bank accounts to use it and that would be risky things to do if anyone want to use such applications to pay for online shopping, transfer money to unknown to buy some products and so on.

To be conclude, I prefer to say that using online banking platform for payment have more advantages rather than disadvantages as it overall convenient and easy to use along with the time saving.

AI examiner evaluation

Task Achievement / Task Response — Band 6.0

The response addresses the prompt by discussing both advantages and disadvantages, ultimately taking a clear position. However, the development of ideas is somewhat superficial. For instance, the argument regarding fraud is mentioned but lacks specific examples or a deeper explanation of how it impacts users beyond a general statement. The introduction is slightly repetitive, and the conclusion is brief. To reach a higher band, you should expand on your points with more detailed explanations and concrete examples, ensuring that the 'why' and 'how' of your arguments are fully explored rather than just stated.

Coherence and Cohesion — Band 6.0

The essay is organized into logical paragraphs, and there is a clear progression of ideas from the introduction to the conclusion. You use some cohesive devices, such as 'However' and 'To be conclude' (which should be 'To conclude'), to link your thoughts. However, the use of cohesive devices is sometimes mechanical or inaccurate. The referencing is occasionally unclear, such as in the second paragraph where the connection between ticket collection and the main point about saving time is a bit disjointed. Improving the variety and accuracy of your linking words will help the flow of your writing.

Lexical Resource — Band 6.0

You demonstrate an adequate range of vocabulary for the task, using terms like 'cutting edge era', 'consequences', and 'convenient'. However, there are several instances of awkward phrasing and word choice errors, such as 'more easier' (a double comparative), 'que' (spelling error for 'queue'), and 'save our sits' (likely meant 'seats'). These errors do not generally impede communication, but they do limit the precision of your writing. To improve, focus on learning common collocations and ensuring that your word choices are contextually appropriate.

Grammatical Range and Accuracy — Band 5.5

You attempt a mix of simple and complex sentence structures, but the accuracy is inconsistent. There are frequent grammatical errors, including subject-verb agreement issues ('all people... wants to save times'), incorrect article usage, and punctuation errors. The sentence structure is often fragmented, such as starting sentences with 'Because' or 'Which have...'. While these errors rarely prevent the reader from understanding your meaning, they occur frequently enough to impact the overall fluency. Focusing on basic sentence construction and proofreading for subject-verb agreement would significantly improve your score.

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