Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 15 · 2026-09-11

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)

Spending money from the digital method for purchasing item through mobile application becomes very popular in many nations . It has both merits and demerits which i will elaborates in upcoming paragraphs along with relevant examples.

To commence with, buying goods while utilizing mobile application is most convenient and fastest method because individual can make payment anywhere and any time without carrying cash with then as well as it does not only save time but also protect someone money from losing while travelling . For example, my uncle lost his purse at bus station in Shimla, in which he has 20k rupees, l he has their cards in mobile so he can for his expense through that. Secondly, due to having online records, pupil can access their account and they transactions which he or she made because of this they can track and manage their budget, if they over spend.

On the other hand, the drawbacks of this can not be neglected. Firstly, security and privacy can be compromised while using these application because online banking can be targeted by the scammers and the hackers. To explain it, In Indian 20% people got scammed and loss there huge amount of money by hackers. In addition, all these apps are working with connection of internet, people can face difficult while paying at the place where the network connection is not good so this can lead problem for people.

To conclude that it goes without saying that online banking makes the individuals life easy but but it has some demerits as well so people need to be aware about the scams.

AI examiner evaluation

Task Achievement / Task Response — Band 6.0

The response addresses both sides of the argument and provides a clear position. The ideas are relevant, such as convenience and security concerns. However, the development of these ideas is somewhat limited. For instance, the example regarding the uncle is a bit anecdotal and lacks a broader context. The explanation of the drawbacks is relevant, but the claim that '20% of people' in India were scammed lacks a credible source or a more general framing. To reach a higher band, you should aim to expand on the implications of these points with more sophisticated reasoning rather than relying on personal anecdotes or specific statistics that may not be verifiable.

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 'To commence with', 'Secondly', and 'On the other hand' to signal transitions. However, the use of these devices is sometimes mechanical, and there are instances where referencing is unclear, such as the phrase 'they transactions which he or she made'. Additionally, some sentences are run-on or lack proper punctuation, which affects the flow of the text. Improving the variety of linking words and ensuring that pronouns clearly refer back to their antecedents would enhance the coherence of your writing.

Lexical Resource — Band 5.5

The vocabulary used is generally adequate for the task, allowing you to convey your meaning clearly. You use some topic-specific terms like 'online banking', 'scammers', and 'privacy'. However, there are several instances of awkward word choice and collocation errors, such as 'Spending money from the digital method' instead of 'digital payment methods' and 'pupil' instead of 'users' or 'consumers'. There are also minor spelling errors like 'loss' instead of 'lost'. To improve, focus on using more precise collocations and expanding your range of academic vocabulary to avoid repetitive phrasing.

Grammatical Range and Accuracy — Band 5.5

The essay contains a mix of simple and complex sentence structures. While you attempt to use complex sentences, they are often marred by grammatical errors, such as 'he has their cards in mobile so he can for his expense' and 'people can face difficult while paying'. Subject-verb agreement and article usage are inconsistent throughout the text. Punctuation is also a significant issue, with several run-on sentences and missing commas. While these errors do not completely impede communication, they occur frequently enough to lower the score. Focusing on basic sentence construction and proofreading for subject-verb agreement would be highly beneficial.

See this exact question answered at other band scores — the same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.