Band 5.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.0 · Cambridge IELTS 17 · 2026-08-21
IELTS Writing Task 2 question
In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones. Do you think this will happen one day? Why do you think some people might not be happy to give up using cash?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Student answer (Band 5.0)
Money play important role in everyones because without currency person in nothing and one cannot earn his daily bread and butter also without it .
Further more, in future its damn sure that people start paying digital because its easy to transfer money from phone to tap machine it just take fraction of second ,moreover due to strictkness of government also has there is lot of black money in region , it has great impact especially on middle class( because rich getting richer and poor getting poorer) that why human being start paying with their cards ,therefore some individuals dont have coins always present with them they dont want this as matter of concern at any exchange, thats why one thousand percent in oncoming years they find phone easy gadget to give money.
Secondly,some person dont find it good also to pay digitally because they dont want to pay taxes to government also because if you do any payment by cash there is no record of payment, so yu dont need to pay tax on particular product ,that type of culture is more popular in abroad, thirdly yu can take of example region of india demonatization ( they ban bills of 500 and 1000) happen ,after that some many people in india seen burning bills of 500 amd 1000 and individual seen throwing them in sewer or jungle which is hard accessible to normal society,because these personality has hard cash exceeding government limit and they will behind the bars if they got caught according to the amendment of country indian .
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 4.5 |
| Overall | 5.0 |
Task Achievement / Task Response — Band 5.0
The response addresses both parts of the prompt: the future of digital payments and the reasons for resistance to abandoning cash. However, the development of ideas is inconsistent. While the mention of demonetization in India provides a relevant example, the explanation of why people resist digital payments is often obscured by unclear phrasing and fragmented logic. The position is generally clear, but the lack of formal structure and the reliance on informal, sometimes confusing, explanations limits the depth of the response. To improve, ensure that each paragraph focuses on a single, well-developed argument supported by clear, logical reasoning rather than anecdotal lists.
Coherence and Cohesion — Band 5.0
The essay lacks a clear introduction and conclusion, which affects the overall progression of ideas. While there are some attempts at cohesive devices (e.g., 'further more', 'secondly', 'therefore'), they are often used incorrectly or in a way that does not logically connect the sentences. Paragraphing is present but the internal structure of the paragraphs is weak, with ideas jumping between topics without smooth transitions. The referencing is sometimes unclear, making it difficult for the reader to follow the writer's train of thought. Improved paragraph structure and more precise use of linking words would significantly enhance the flow of the essay.
Lexical Resource — Band 5.0
The vocabulary is limited and often repetitive. There are frequent errors in word choice and collocation, such as 'tap machine' instead of 'card reader' or 'contactless terminal', and 'oncoming years' instead of 'coming years'. The use of informal language like 'damn sure' and 'easy gadget' is inappropriate for an IELTS task. The range of vocabulary is insufficient to express complex ideas with precision. To reach a higher band, the student should focus on learning topic-specific collocations related to finance and technology and avoid colloquialisms.
Grammatical Range and Accuracy — Band 4.5
The essay contains frequent grammatical errors that often impede communication. There are significant issues with sentence structure, including run-on sentences and fragments. Subject-verb agreement is inconsistent (e.g., 'people start paying', 'some person dont find'), and there are persistent errors with articles and prepositions. Punctuation is also problematic, with commas used incorrectly or omitted entirely. While there is an attempt to use complex sentences, they are often faulty, leading to confusion. A focus on basic sentence construction, subject-verb agreement, and correct punctuation is essential for improvement.
See this exact question answered at other band scores — the same prompt compared across bands.
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