Ivan is from Kazakhstan and is now living in Spain. He doesn't know
what to do with all his money so he  asks his Spanish friend for some
information. His friend Pepe tells him that he can put his money in a
bank account to earn interest, or he can buy shares on the Stock
Exchange. He explains that there are different kinds of account, and
that different banks offer different interest rates on the money in
your account and also on loans when they lend you money. He also tells
him about the most popular credit cards - Visa, Mastercard and
American Express - and how you can usually use your credit card to get
cash from an ATM.