Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Give reasons for your answer and include any relevant examples from your own knowledge or experience.

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According to
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

some people in
near
Correct article usage
the near

It seems that there is an article usage problem here.

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future
Add a comma
future,

It appears that you are missing a comma after the introductory phrase According to some people in near future. Consider adding a comma.

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digital
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

will gradually substitute physical currency.
While
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

form of
payment
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It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

has some benefits, there are several drawbacks. Both views will be discussed in
this
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Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

essay. Personally, I think that in everyday life, debit and credit cards are much more convenient than cash.
Firstly
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Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, innovations in digital
payment
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

options offer various sorts of using
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

while
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

using
the
Correct article usage
apply

It seems that there is an article usage problem here.

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physical cash is restricted.
For
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Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

instance
Add a comma
instance,

It appears that you are missing a comma after the introductory phrase For instance. Consider adding a comma.

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day-to day
Add a hyphen
day-to-day

It seems that day-to day is missing a hyphen. Consider adding the hyphen(s).

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operations in different services like
payment
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

utilities, babysitter fees, exam booking
and
Correct word choice
apply

It seems that conjunction use may be incorrect here.

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etc. are much more comfortable to do online than to visit special
place
Fix the agreement mistake
places

It seems that place may not agree in number with other words in this phrase.

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and pay on the spot.
Secondly
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, many banks support global services and any person can use their online financial resources in other countries.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

option reduces the risk of carrying a huge sum of
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

and
search
Wrong verb form
searching

It appears that your sentence or clause uses an incorrect form of the verb search. Consider changing it.

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currency exchange
centers
Change the spelling
centres

The spelling of centers is a non-British variant. For consistency, consider replacing it with the British English spelling.

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in cities.
That is
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

to
say
Add a comma
say,

It appears that you are missing a comma after the introductory phrase That is to say. Consider adding a comma.

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these new forms of
payment
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It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

eliminated a lot of inconveniences in our lives.
Linking Words
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

However
Add a comma
However,

It appears that you are missing a comma after the introductory phrase However. Consider adding a comma.

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despite innovations in digital
payment
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

methods, it has some drawbacks and physical
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

plays a significant role as well. There is a hazard of stealing
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

from debit and credit cards and web applications hacking. To protect Users always should be aware
about
Change the preposition
of

The preposition about after the adjective aware may be incorrect. Consider changing it to another preposition.

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reliable passwords and change them regularly.
To conclude
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

essay covered both
pros
Correct article usage
the pros

It seems that there is an article usage problem here.

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and cons of
replacement
Replace the word
replacing

The word replacement doesn’t seem to fit this context. Consider replacing it with a different one.

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physical
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

by
Change preposition
with

It seems that preposition use may be incorrect here.

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digital cash. Apart from comfort in
use
Add a comma
use,

It appears that you are missing a comma after the introductory phrase Apart from comfort in use. Consider adding a comma.

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this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

service is quite fragile and unsecure.
Though
Correct word choice
However

It seems that conjunction use may be incorrect here.

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from my perspective all shortcomings will be gradually fixed and only e-
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

will
be existed
Change to the active voice
exist
have existed

It appears you have attempted to use the intransitive verb existed in a passive voice construction. Consider writing the sentence in the active voice.

show examples
.

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task achievement
Your essay presents clear and relevant main points. However, it could be improved by including more specific examples and elaboration on some points. This would strengthen your arguments and make your essay more compelling.
coherence cohesion
Your essay has a logical flow, but the introduction could be better connected to the rest of the essay. Make sure each paragraph progresses logically from the previous one and that ideas are more cohesively connected.
coherence cohesion
Your essay is generally clear and well-organized, but it would benefit from a stronger conclusion that effectively summarizes the main points discussed. This will leave a lasting impression on the reader and reinforce your arguments.
coherence cohesion
Your essay is generally clear and well-organized, indicating a good understanding of the topic.
task achievement
You have provided a balanced discussion of both the advantages and disadvantages of digital money, reflecting an ability to see multiple sides of an argument.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

Topic Vocabulary:
  • Plastic money
  • Credit and debit cards
  • Banknotes
  • Coins
  • Transactions
  • Convenience
  • Security
  • Unauthorized transactions
  • Budget management
  • Financial apps
  • Acceptance
  • Global reach
  • Versatile
  • Dependence on technology
  • Technology malfunction
  • Privacy concerns
  • Data privacy
  • Data breaches
  • Overspending
  • Accumulating debt
  • High-interest rates
  • Fees
What to do next:
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