IELTS free practice tests and answers

Prepare for IELTS with our free practice tests and answers. Use these tests to carry out timed practice sessions and develop your test technique. 

We strongly advise test takers to practice IELTS. By taking our free practice tests, you will get to know the test format, experience the types of tasks you will be asked to undertake, test yourself under timed conditions and review your answers and compare them with model answers.

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Remember, you will take the Listening, Reading and Writing tests on the same day with no breaks in between, so it’s important to practise under similar conditions.

When taking the tests, remember that each test is presented over a number of web pages. Make sure you answer all the questions and carry out the tasks on each page in the correct order. 

Exercise - 179

Question: 1 Ben and Jen need money to redecorate their home. So, they asked a loan officer if they qualify for a ....... instead of a second-mortgage on their house.

Correct Answer : 1 [line of credit]

Notes: Ben and Jen need money to redecorate their home. So, they asked a loan officer if they qualify for a line of credit instead of a second-mortgage on their house.

Question: 2 Nowadays, bank customers have more options. For example, they can pay their bills over the telephone or they can pay them ........

Correct Answer : 2 [online]

Notes: Nowadays, bank customers have more options. For example, they can pay their bills over the telephone or they can pay them online.

Question: 3 Some people rent a ....... in order to keep important papers and items safe.

Correct Answer : 3 [safety deposit box]

Notes: Some people rent a safety deposit box in order to keep important papers and items safe.

Question: 4 Almost all customers have a ....... card so they don't have to go into the bank to withdraw money. They can also use their cards to purchase goods in stores.

Correct Answer : 4 [debit]

Notes: Almost all customers have a debit card so they don't have to go into the bank to withdraw money. They can also use their cards to purchase goods in stores.

Question: 5 Laurie has two accounts. She can ....... funds from her checking account into her savings account right over the phone.

Correct Answer : 5 [transfer]

Notes: Laurie has two accounts. She can transfer funds from her checking account into her savings account right over the phone.

Question: 6 Every month, Kevin ....... his bank statement in order to balance his checkbook.

Correct Answer : 6 [reviews]

Notes: Every month, Kevin reviews his bank statement in order to balance his checkbook.

Question: 7 Mary has an appointment with a loan ....... because she wants to buy a new car and needs $3000 to complete the purchase.

Correct Answer : 7 [officer]

Notes: Mary has an appointment with a loan officer because she wants to buy a new car and needs $3000 to complete the purchase.

Question: 8 Karen learned how to ....... her checkbook at an early age. Her father thought it was important.

Correct Answer : 8 [balance]

Notes: Karen learned how to balance her checkbook at an early age. Her father thought it was important.

Question: 9 Rose and Tom want to get approved for a ....... because they want to buy a house this year.

Correct Answer : 9 [mortgage]

Notes: Rose and Tom want to get approved for a mortgage because they want to buy a house this year.

Question: 10 Normally, people get ....... for a mortgage before they go house shopping so they know what kind of house they can afford to buy.

Correct Answer : 10 [pre-approved]

Notes: Normally, people get pre-approved for a mortgage before they go house shopping so they know what kind of house they can afford to buy.