Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 15 · 2026-09-29

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)

Transactions through cellphones is spiking in many parts of the world. Mobile banking is fast and realiable. Authorised transcations can contribute to rural and urban development. Moreover, it builds stronger economy. However, online scams through text messages and fraud emails through artifical intelligence channels is also increasing along with the necessity of solid internet connection for the transations.

Mobile banking is fast and conveinent. People can do faster transacations which saves time. For example, Scotia bank reward customers with reward points, which help users to collect reward points which could be used for future purchases. Mobile banking can contribute in rural and urban development. By using a secure banking application, it limits the market for black money which builds a stronger and viable economy for the future generation. For example, all across asian countries, especially rural places government is mandatory for everyone to have online banking applicat.

Rising scams related to online banking. Scammers are sending fraud messages and email link to online banking customers which raises the question, Is online banking for future? . Scammers targets the vulnerable sectors , senior citizens are receiving messages in phone which is asking them to select a option in which they can loose all thier savings, Government should implement new law and systems for controlling the scams related to online banking.

In conclusion, payments through mobile application can save time and effort. It helps in creating a well manageed financial planning. However, the concerns of online banking such as scam messages and hiking can negatively impact a countries economy.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The response addresses all parts of the task by discussing both the advantages and disadvantages of mobile payment applications. A clear position is established early and maintained throughout the essay. However, some ideas are under-developed. For instance, the mention of 'Scotia bank reward customers' is a bit anecdotal and lacks broader extension, and the claim about government mandates in Asian countries is somewhat generalized and imprecise. The essay covers the main aspects of the prompt—efficiency, economic impacts, and security concerns—qualifying it comfortably for a Band 6.0 performance under Task Achievement.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement and attempts logical sequencing with paragraphs dedicated to advantages, disadvantages, and a conclusion. However, cohesion is sometimes faulty or mechanical. Sentences are often disjointed, as seen in the isolated introductory paragraph and abrupt transitions like 'Rising scams related to online banking.' Paragraphing is utilized, but the internal flow of ideas lacks smooth transitional bridges. Referencing is occasionally unclear, such as pronoun use in 'it helps in creating a well managed financial planning.' Overall, these issues place the response at a Band 6.0 for Coherence and Cohesion.

Lexical Resource: Band 6.0

The writer demonstrates an adequate range of vocabulary for the task, attempting less common items such as 'authorisation', 'vulnerable sectors', and 'financial planning'. However, there are notable word choice errors and spelling mistakes throughout the text, such as 'realiable' instead of reliable, 'transcations' instead of transactions, 'conveinent' instead of convenient, and 'artifical' instead of artificial. Collocations are sometimes awkward, for example, 'hiking can negatively impact a countries economy.' While these errors are noticeable, they do not severely impede overall communication, aligning the response with the Band 6.0 descriptors.

Grammatical Range and Accuracy: Band 5.0

The student uses a mix of simple and complex sentence forms, demonstrating some control over grammar. However, there are frequent grammatical and mechanical errors throughout the text. Examples include subject-verb agreement issues ('Transactions through cellphones is spiking'), article omissions ('government is mandatory', 'in phone'), and awkward phrasing ('which is asking them to select a option in which they can loose all thier savings'). Punctuation and spelling errors also recur. Because errors are frequent enough to distract the reader while simple sentences generally remain clear, a Band 5.0 is appropriate.

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