Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 15 · 2026-09-16

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)

The electronic payment is more and common payment for anywhere in the world people love to do the electronic payment becuase its easy and fast to pay someone without carrring and holding any currency in the hand lot of app has been come to the market to someone like google pay,paytm, payphone in the market .i am from india and there is electronic payment is very populer aprox everyone is using that from small businessman to a whole sellar also offcourse there is some advantage and some disadvantage is also there to use of ectronic payment.

Avantage - Its easy to carry and replace of holding pshycal cash no one can steal easily u pay anywhere anytime and you dont have to go atm machine and and bank to get it in pshysical form. its keep saving yours recard where and when did you spend and how much did you spend. so its easy to crack it down your's finacial statement.

Disadvantages - Even we have lot of advantges but still we have some disadvantges too for the use of electronic payment like if you are using the electronic payment u cant control spending it like unessary thing wich is not useful and require to you.if you are using a device which ishred by yours faimily member and you are saving the pin inside its easy he can withdraw yours all money

there is lot of cyber crime has been also increase now in the sociaty hacker can hack yours account a minute if they know yours password.

example- i am also victam of cyber crime one day i recevied a call unknown and i answered that call the person who call me behave l.ike was a banker and while tallking he took my personal information and empty my nri account

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by discussing both the advantages and disadvantages of mobile payment apps, fulfilling the core requirements of a discussion essay. The writer presents a clear position regarding the popularity and usefulness of electronic payments while acknowledging drawbacks such as overspending and cybercrime. Ideas are supported by relevant personal context and examples, such as the mention of Paytm and Google Pay in India, as well as a personal anecdote regarding cyber fraud. However, the development of ideas remains somewhat restricted by informal phrasing, structural limitations, and a lack of fully elaborated arguments for each point. Consequently, the response aligns best with a Band 5.5 to 6.0 descriptor, showing clear engagement with the task but limited depth in the extension of ideas.

Coherence and Cohesion — Band 5.0

Coherence and cohesion in this response are significantly hindered by improper paragraphing, run-on sentences, and an absence of standard punctuation. The entire first half of the response is presented as a single, continuous stream of consciousness without adequate terminal punctuation. While the text attempts to use cohesive devices such as 'so', 'even though', and bullet-like formatting ('Avantage -', 'Disadvantages -', 'example -'), the overall organisation is basic and lacks smooth transitions. Paragraphing is not used effectively to separate distinct stages of the argument, which forces the reader to work harder to follow the progression of ideas. These structural deficiencies restrict the response to a Band 5.0.

Lexical Resource — Band 5.0

The lexical resource displays a limited range suitable for basic communication, featuring frequent repetition of terms such as 'electronic payment', 'market', and 'easy'. There are numerous spelling errors throughout the text, including 'becuase', 'carrring', 'payphone' (for PhonePe), 'populer', 'aprox', 'sellar', 'Avantage', 'pshycal', 'recard', 'finacial', 'unessary', 'wich', 'require' (required), 'ishred' (shared), 'faimily', 'sociaty', 'victam', 'recevied', and 'tallking'. While the vocabulary is sufficient to convey the writer's basic meaning regarding mobile payments and cyber crime, the high density of lexical errors and lack of sophisticated phrasing firmly place this criterion at a Band 4.5, rounded to 5.0 based on the positive interpretation of basic communicative success.

Grammatical Range and Accuracy — Band 4.0

Grammatical range and accuracy are severely limited by the absence of proper punctuation, leading to prolonged run-on sentences and a lack of clear sentence boundaries. The text relies heavily on simple coordination with conjunctions like 'and', with very few attempts at accurate complex structures. There are numerous grammatical inaccuracies, such as subject-verb agreement errors ('lot of app has been come'), missing articles ('go atm machine'), incorrect prepositions ('replace of holding'), and awkward tense usage ('has been also increase'). Due to the frequency of structural errors and the lack of basic punctuation, the response demonstrates control characteristic of a Band 4.0 descriptor.

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