Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 17 · 2026-10-07

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 4.5)

in this advanced era, cashless payemnts are becoming trend day by day.some people believe that, due to technolgical advancement almost all tarnsactions will become online or by using physical cards rather than paper money.i am completely agree that this will happen in upcoming years.However, some individauls are not in favour of completely discontinue traditional payment method bacause of security concerns.

There are plethora of reasons behind possibility of card or e transactions only inspite of cash.the primary reason is more demand.to simplify,usage of card or online methods are more in demand by approximately 90% of the population;which can lead to

AI examiner evaluation

Task Achievement / Task Response: Band 4.0

You state a clear view that cashless payments will become widespread, and you introduce a relevant reason some people may resist: security concerns. However, the response addresses the task only partially. The explanation of why cashless payments may become dominant stops after saying they are in demand, and the claim that about 90% of people use them is not explained or supported. The second part of the question is only briefly mentioned; you need to explain how security worries could make people unhappy, perhaps by describing fraud or data theft, and add another reason such as difficulty using digital services. The response also does not meet the 250-word minimum, so there is not enough development or relevant support for either part of the task.

Coherence and Cohesion: Band 4.5

There is an identifiable opening: you introduce the topic, give your position, and signal a contrast with “However” before mentioning objections. This provides a basic direction for the reader. However, the response ends partway through the first supporting point (“which can lead to”), so there is no completed argument, conclusion, or clear progression between developed ideas. Linking expressions such as “the primary reason” and “to simplify” are attempted, but the latter does not clearly introduce a simplification, and the comma after “However” is missing. To improve, organise the essay into an introduction, separate body paragraphs for the two questions, and a conclusion; complete each point and use linking phrases only where their relationship is clear.

Lexical Resource: Band 5.0

You attempt topic-specific vocabulary, including “cashless payments,” “transactions,” “technological advancement,” “security concerns,” and “traditional payment method.” These choices show some awareness of the subject and provide a minimally adequate starting range. However, spelling errors are noticeable, including “payemnts,” “technolgical,” “tarnsactions,” “individauls,” and “bacause,” and several phrases are awkward or imprecise, such as “cashless pay” and “more demand.” “There are plethora of reasons” also uses an unnatural expression. These errors sometimes make the reader pause to interpret your meaning. Proofread spelling carefully and learn common collocations, for example “demand for card payments” and “a range of reasons.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentence patterns, including a contrast introduced by “However” and a reason clause beginning “due to technological advancement.” The main position is understandable, but grammatical control is inconsistent, and some attempted structures are faulty. For example, “i am completely agree” incorrectly combines “am” with the verb “agree”; write “I completely agree.” In “usage of card or online methods are,” the subject and verb do not agree, and the noun phrase needs an article or a different construction. The opening also runs several sentences together without appropriate capitalisation or spacing after full stops. Practise accurate subject–verb agreement, articles, and sentence boundaries, then check each sentence for a complete grammatical structure.

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