1) She ______________ all her money in the shop yesterday. Now she is broke. a) had to spend b) shouldn't spend c) can't have spent d) shouldn't have spent 2) As I'm too young, I ____________________ have a credit card. a) musn't b) needn't c) 'm not allowed to d) shouldn't 3) My bank doesn't have a branch here, so I _____________ travel to the next town to get money. a) have to b) should c) need d) can 4) I have a free overdraft so I _______________ pay any fees. a) don't have to b) mustn't c) aren't allowed to d) don't need 5) She couldn't get a refund for the broken phone as she ____________________ the reciept, but she didn't. a) had better keep b) should have kept c) had to keep d) must keep 6) Alan ___________ a student loan from a bank as his parents could afford to pay for his studies. But he preferred to be independent. a) needn't have taken b) didn't need to take c) can't have taken d) wasn't allowed to take 7) They _____________ to save up money before going on holiday abroad a) ought to b) had better c) had d) should 8) You _____________ enquire all the information about the bank services and fees before opening an account with them. a) 'd better b) can't c) ought d) mustn't 9) You ________________ give the wrong personal details to the bank manager. a) can't b) mustn't c) don't have to d) needn't 10) He __________________ open a bank account because he forgot to take his passport. a) wasn't allowed b) shouldn't have open c) didn't have to d) couldn't

Modals of obligation, prohibition and advice

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