Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 15 · 2026-10-07

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)

People in many countries are using an online paying service through mobile phone. It's common in modern to use a wallet app to buy things nowadays such as g cash, crypto, Mari bank and many types of online banking app this application help people to carried their money and buy things from the market.

On the one hand, in modern society people using online banking app or E-wallet are extremely increasing because they found it much convenient rather than to holding a cash. Furthermore, the advantage of using an E-wallet is lessen to worried about forgetting things like traditional wallet or losing a wallet this show how society improved show much. For instance, people have a E-wallet even if they don't have a cash on their hand it is possible to buy some things and don't need to withdraw. However, people using E-wallet might be high risk to get scam because some app not trustable and not secured enough to proves that your money is in a good hands unlike in traditional bank they have a office and even branches that can assured that your money is in the safe hand.

In my perspective, both are convenient and help to got some savings However, using e-wallet have a risk of getting scam.

In conclusion, using e-wallet is very convenient but risky as well. These show that it's your choice whether you use not it depends of people who are believing in the system.

AI examiner evaluation

Task Achievement / Task Response: Band 4.5

You address the topic by discussing convenience and the risk of scams, and your conclusion recognises both benefits and drawbacks. However, the question asks whether the development has more advantages or disadvantages, and your position remains unclear: “both are convenient and help to got some savings” is followed by a focus on risk, without deciding which side is stronger. The supporting ideas are also limited. The example of buying something without cash is relevant, but the claims about security and savings are not explained or illustrated in enough detail. The response is also seven words below the required minimum. State your overall judgement directly, then develop each main reason with a specific explanation or example.

Coherence and Cohesion: Band 5.0

Your response has a recognisable structure: an introduction, a paragraph beginning “On the one hand,” a personal view, and a conclusion. You also use basic linking expressions such as “Furthermore,” “For instance,” and “However.” However, the overall progression is not always clear. The paragraph introduced as “On the one hand” moves from convenience to security concerns without clearly signalling how these points relate to your final judgement, and the short personal-view paragraph repeats ideas rather than advancing the argument. Some references, such as “this show how society improved,” are difficult to connect to a precise preceding idea. Group advantages and disadvantages more clearly, and use the conclusion to resolve the comparison.

Lexical Resource: Band 5.0

You use relevant topic vocabulary, including “E-wallet,” “online banking app,” “traditional wallet,” and “scam,” so the reader can identify the subject and your main points. However, the range is limited and several phrases are inaccurate or awkward, which sometimes makes the meaning less clear. For example, “online paying service” and “lessen to worried” do not express the intended ideas naturally, while “in a good hands” is an unsuitable collocation. Repetition of “convenient,” “risk,” and “E-wallet” also limits flexibility. Build a more precise set of expressions for payment, security, and financial access, and check collocations when using less familiar vocabulary.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentences, including a contrast introduced by “However” and a conditional idea in “even if they don't have a cash.” Nevertheless, the range is limited, and errors occur frequently enough to make some sentences difficult to follow. Examples include “people using online banking app … are extremely increasing,” “this application help,” and “it is possible to buy some things and don't need to withdraw,” where verb forms, agreement, or sentence construction are faulty. Articles and plurals are also inconsistent, as in “a E-wallet” and “a cash.” Practise building accurate subject–verb–object sentences first, then add subordinate clauses and check agreement, articles, and punctuation.

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