Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 15 · 2026-10-14

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 5.5)

Paying bills using Mobile phone Apps is becoming commen now a days , people find it safe. Carring cash is difficult. It has significantly decreased chances of Robbery. Carring a single phone is much convenient. Advances in technology have made if possible to make life simple.

Advantages of paying using mobile phone Apps are:

1-We do not need to carry cash everywhere. We can pay while staying at home using phone. It saves fuld expenses.

2- It saves time.

3- We can get delivery services at home.

4-Chances of losing your money in robbery has decreased. It has decreased crime rate.

5- People dont need to stuck in long que to pay their electricity and gas bills. They can simply pay using mobile phone App. Paying bills while staying at home has decresed spread of contagious disease.

6- Sick people can clso make online doctor appointment and can visit their physician at booked time.

7- It has made life easier, rediced physical stress.

Every good thing has some disadvantages. Paying online also carries some drawbacks :

1- Many people have developed ways of online fraud. Hackers can hack your account and steal money.

2- Many online business owners can reep benifits by selling their material on their desired cost.

3- Some fake accounts demand advance payment and in-return dont even send purchased things or material quality is compromised.

In my opinion , online payment has made life easier. I ordered most of things and dresses from other cities making online payments. It has reduced distance. World is now a global village. You can order anything from anywhere sitting at home . Your purchased item will be delivered at your doorsteps.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

You address both sides of the question and make your position clear: despite noting fraud and unreliable sellers, you conclude that mobile payments have made life easier. Relevant benefits include avoiding cash, saving time, and paying bills from home; the examples of ordering clothes and arranging medical appointments also connect to everyday experience. However, several points are asserted rather than explained. For instance, the claim that mobile payments have “decreased crime rate” needs qualification or support, and the point about sellers charging their “desired cost” is not clearly linked to app payments. Develop the strongest advantages and disadvantages with specific explanations, then compare their importance directly to show why the benefits outweigh the risks. This would make the argument more fully supported and balanced in its reasoning.

Coherence and Cohesion: Band 5.0

The response has a recognisable overall structure: an introduction, a list of advantages, a list of disadvantages, and a concluding opinion. The numbered points make individual ideas easy to locate, and the final personal example reinforces your position. However, the lists create a catalogue rather than a sustained argument, so progression between ideas is limited. Some links are abrupt, such as moving from online fraud to sellers setting prices, and the conclusion repeats the convenience argument without weighing it against the risks. Use developed paragraphs organised around related ideas, and connect each claim to its explanation with clear referencing and transitions. This will make the essay feel more logically connected rather than relying mainly on numbering and repeated “It” or “We” openings.

Lexical Resource: Band 5.0

You use relevant vocabulary for the topic, including “online fraud,” “Hackers,” “delivery services,” and “contagious disease,” and the reader can generally understand your meaning. However, the range is limited and several spelling and word-choice errors are noticeable, such as “commen,” “Carring,” “fuld expenses,” and “ree p benifits.” Some phrases are also imprecise or unnatural: “crime rate” is a broad claim, while “material quality is compromised” does not clearly describe the problem with an order. Aim for accurate spelling and more precise collocations, such as describing the risk of theft or the quality of goods. Vary repeated basic wording like “made life easier” by choosing expressions that fit the specific benefit being discussed.

Grammatical Range and Accuracy: Band 5.0

Most of your meaning is understandable, and you attempt some longer structures, including “People don’t need to stuck in long que to pay…” and “You can order anything from anywhere sitting at home.” However, sentence patterns are mostly simple or list-like, and errors in verb forms, agreement, articles, and punctuation recur. For example, “don’t need to stuck” needs a verb form after “need to,” while “Chances of losing your money in robbery has decreased” has an agreement problem and an awkward article pattern. The opening also contains several sentence fragments or poorly joined statements. Practise building accurate complex sentences with clauses such as “Although apps are convenient, users may face fraud,” and check subject–verb agreement and sentence boundaries during editing.

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