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Banks that allow you to pay cheques in online
Paying in cheques online is only possible with certain banks, so if you need this option, here are the banks to choose from.
Using cheques is a thing of the past for many of us. But occasionally, you might still receive a cheque you need to pay in to your bank account.
Banks that allow you to pay cheques in online
Below is a list of the banks that let you pay in cheques online:
Barclays
Barclays also lets customers pay in cheques using its app and a smartphone camera. Select “Pay and Transfer” at the bottom of your app screen and then tap “Pay in a cheque”.
Next, choose the account you want to pay the cheque into, enter the amount and a reference if you need one and select “Take photo”. Take a photo of the cheque using your phone’s camera, tap “Pay in cheque” and you’re done. You can pay in up to £1,000 per cheque.
first direct
first direct allows you to pay in a total of £750 in cheques a day, with an individual limit of £500 per cheque. Through the app, you need to select the “More options” menu on the account you’d like to pay your cheque into, then select “Pay in cheque” from the menu. Enter the amount on the cheque, scan the front and back and then submit it.
HSBC
With HSBC, you can also pay in a total of £750 in cheques a day, with an individual limit of £500 per cheque. In the app, select “Pay and transfer”, followed by “Deposit a cheque”. You’ll then need to select the account where you want to deposit the cheque and enter its value. Under “Cheque images”, select the front and back of the cheque icons to capture both sides of the cheque. Press “Continue”, review the details and then select “Deposit now”.
NatWest and RBS
With both NatWest and RBS, you can pay in cheques of up to £1,500 per day, with an individual limit of £1,000 per cheque. To do this via the app, select the account you want to pay the cheque into and select the “Deposit a cheque” option. Under “Cheque amount”, enter the cheque amount and select “Continue”.
Next, select “Take a photo of your cheque” and allow access to your camera. You’ll then need to capture images of both the front and back of your cheque (even if the back is blank), review the details and then select “Deposit now”.
Santander
To pay in a cheque with the Santander app, first tap on the account you want to use, then select “Deposit a cheque” from the menu and read the checklist. Cheques must not be for more than £500 and must be in pounds sterling. If this applies, select “Confirm” and then scan the front and back of your cheque with your phone camera. Choose “Continue”, check the details and then select “Confirm and submit”.
Starling Bank
Starling Bank’s app enables you to pay in cheques as long as they’re worth £1,000 or less. You can upload up to £2,000 worth of cheques per day. To do so, hold your phone above the cheque to take a photo and then pay it in.
TSB
To pay in a cheque using the TSB app, select the “Payments” tab and then tap “Deposit a cheque”. Next, enter the name and amount as shown on the cheque and add a reference if you wish to. Tap “Continue”.
Next, tap “Take a photo” and hold your phone above the cheque. Your camera will take the photo automatically. Check the details, and if you’re happy, deposit the cheque by tapping “Confirm”.
Virgin Money
You can pay in cheques worth up to £1,000 with the Virgin Money app, up to £5,000 a day. Select the “Deposit a cheque” tab within the app, choose your account and enter the amount on the cheque.
Next, allow access to your camera and then take a photo of the front of your cheque and then the back. Once you’re happy, select “Pay in your cheque”, and your cheque will be deposited into your account.
Bank of Scotland / Halifax / Lloyds
You can pay in cheques of up to £5,000 each or a total of £5,000 a day through each bank’s app. As Bank of Scotland, Halifax and Lloyds Bank are all part of the same banking group, the process works in the same way.
In the app, select “More” from your account and then choose “Deposit cheque”. Next, enter the amount on the cheque and a reference (if preferred), then select “Front of cheque” and allow access to your camera. Lay the cheque on a flat surface and hold your phone camera above it so the app can scan the cheque.
Next, select “Back of cheque” and repeat the process, even if the back of the cheque is blank. Check the details and confirm the deposit. Keep hold of the cheque until the funds are available, and you can then destroy it.
Banks that don’t allow you to pay cheques in online
Below is a list of some of the banks that don’t let you pay in cheques online:
Chase Bank
There is no way of paying in cheques with a Chase Bank current account.
Co-operative Bank
If you have an account with Co-operative Bank, you can only pay in a cheque by visiting a branch, your local Post Office or by post.
Metro Bank
You won’t be able to pay in cheques online with Metro Bank, but you can pay them in at your local branch or at your local Post Office.
Monzo
If you’re a Monzo customer, you won’t be able to pay in cheques online. The only way to do so is by post.
Nationwide
Nationwide does not accept cheques paid in via an app. Instead, you’ll need to pay in a cheque in branch or by post.
Revolut
There’s no option for paying in cheques with Revolut.
Bottom line
Paying in cheques isn’t quite the necessity it once was. But if you think you might need to pay cheques in from time to time, it’s worth seeking out a bank account that lets you do this with ease via the app.
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