Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 15 · 2026-10-31

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)

In many countries, paying for things using mobile phone apps is becoming increasingly common in this mordern era. Pakistani people use online banking apps for shopping, online orders, dining out as well as other various important factor.

This development have more advantages as well as disadvantages in the same time.If we consider about discusing the benefits of using mobile phone (cell phone)apps in the online payments for purchasing things and school fees.It has made our quiet easier and comfortable , away from daily routine hustle bustle of waiting in line or counting cash for the purchasing items.

In positive sense it has improved the quality of living for millenums and Z generations.Reduced the time limit of work for all businesses , many more.We should consider the example of our daily life,i usually do online payment for ordering the food through my banking app and avail special discounts.

I also pay my utility bills through online aplication every month.It saves me alot of my time that i utilize in another serious matter of daily life.The process is very smooth and in timely manners without any delay or error.

We should consider the disadvantages of paying through the online platform.First of all geriateric population is unable to pay the bills online using mobilephone apps.Online scam are more common day by day in this mordern era.Online digital system for paying bills can some time slow down or any error occur.We are unable tp differentiate between hacker and banker staff.We can be bankcrupt

by using single detail of our information.

We should consider the advantage and disadvantage of using mobile phone for online payment.We should make public aware of its imporantance for preventing any scam in the future.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

You address the question by discussing benefits and drawbacks, and your examples of paying for food and utility bills through a banking app are relevant. However, the task asks you to decide whether the advantages or disadvantages are greater, and your position is not consistently clear: you say there are both, then conclude by recommending public awareness without stating which side outweighs the other. Several points, such as reduced time for businesses and risks to older users, are mentioned but not explained or supported in enough detail. To strengthen the response, state your judgement clearly in the introduction and conclusion, then develop each main reason with a specific explanation or example. The length requirement is met; nine words copied from the task prompt were not counted.

Coherence and Cohesion: Band 5.5

The response has a basic overall structure: it introduces the topic, presents benefits, gives personal examples, and then turns to disadvantages. This helps the reader follow the general subject. However, progression is weakened by repeated framing such as “We should consider” and by the abrupt shift from benefits to drawbacks without a clear comparison or concluding judgement. Some ideas are grouped together in long, loosely connected passages, while the final paragraph repeats the topic rather than drawing the argument together. Use clearer topic sentences and link each example directly to the point it supports. A more purposeful sequence—position, developed advantages, counterargument, and a conclusion weighing both sides—would make the organisation more coherent.

Lexical Resource: Band 5.5

You use enough topic-related vocabulary to communicate the main ideas, including “online banking apps,” “utility bills,” “special discounts,” and “online scam.” Personal examples also help make the language relevant. However, the range is limited and several word choices or collocations are inaccurate or unclear, such as “important factor,” “quiet easier,” “in timely manners,” and “bankrupt by using single detail.” Spelling errors, including “mordern,” “aplication,” and “imporantance,” are noticeable and reduce precision. Aim to learn common collocations for digital payments and financial risks, and proofread spelling. More precise wording would help you explain the consequences of scams and technical failures clearly.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple statements and longer sentences, and the reader can generally understand your examples. However, the range of sentence structures is limited, and errors occur frequently in verb forms, agreement, articles, and sentence boundaries. For example, “This development have” should use a singular verb, while “It has made our quiet easier” has an incomplete or faulty structure. The sentence beginning “If we consider about discussing” does not form a complete, natural clause, and “Online scam are” has a number-agreement problem. Punctuation and spacing are also inconsistent, particularly where sentences run together. Practise building accurate simple sentences first, then add subordinate clauses and check each sentence for a clear subject and verb.

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