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. We have a seperate guide on paying in a foreign cheque though this normally needs to be done in branch.
Below is a list of the banks that let you pay in cheques online:
Starling Current Account
9.8 ExcellentStarling’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.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 15% EAR variable.
NatWest Select Account
9 ExcellentWith NatWest, 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”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.49% EAR variable.
Royal Bank of Scotland Select Account
8.4 GreatWith 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”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.49% EAR variable.
TSB Spend & Save Plus
9.8 ExcellentTo pay in a cheque using the TSB app, select the “Move money” 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. Follow the instructions on screen to take 2 photos of your cheque - front and back. Check the details, and if you’re happy, deposit the cheque by tapping “Confirm”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable. Account fee of £3 per month.
Santander Everyday Current Account
8.6 GreatTo pay in a cheque with the Santander app, select “Payments” from the home screen and tap “Pay in a cheque”. Cheques must not be for more than £5,000 and must be in pounds sterling. If this applies, choose the account you want to pay the cheque into 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”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.
Barclays Bank Account
7.8 Great| Account fees | £0 |
|---|---|
| Interest (AER) | 0% AER |
Barclays 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 £5,000 per cheque.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 35% EAR variable.
| Account fees | £0 |
|---|---|
| Interest (AER) | 0% AER |
With HSBC, you can pay in a total of £2,000 in cheques a day. In the app, tap “Pay”, scroll down to “More actions”, and select “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”.
Virgin Money Club M Account
8.8 Great| Account fees | £14 per month |
|---|---|
| Interest (AER) | 1% AER |
You can pay in cheques worth up to £1,000 with the Virgin Money app, up to £5,000 a day. Within the app, select the “Payments” tab, followed by “Deposit a cheque”, and 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.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 19.9% EAR variable. Account fee of £14 per month.
| Account fees | £14 per month |
|---|---|
| Interest (AER) | 1% AER |
You can pay in cheques of up to £10,000 each or a total of £10,000 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 the 3-dot menu 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.
In 2024, Monzo announced that customers can now pay in cheques via its app (as well as by post) – although only up to £500 per cheque. To to do this, tap the “Home” icon in the menu, then tap on the account you want to add money to. Next, tap “Add money” underneath your card (or tap the 3 dots if you can’t see this button), tap “Cheque deposit” and follow the steps. You’ll need to take a photo of your cheque as part of the process.
Below is a list of some of the banks that don’t let you pay in cheques online:
There is no way of paying in cheques with a Chase Bank current account.
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.
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.
Nationwide does not accept cheques paid in via an app. Instead, you’ll need to pay in a cheque in branch or by post.
There’s no option for paying in cheques with Revolut.
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.
New to Starling? See if you can keep some more money in your pocket with our promo codes and special offers.
Discover whether Kroo’s account and card could work for you.
New to Revolut? Check out what it offers and see if you can save more with our discount codes and deals.
Nationwide has one of the most competitive current account offers available on the market. Discover their features, compare options and apply.
Barclays offers a full range of current accounts with different sets of perks and rewards. We compare and contrast them to help you choose the right one.
Compare Halifax current accounts to find the best option for you.
The UK’s first digital bank, smile is known for its role in past technological innovations in banking. While it was on the cutting edge of banking in the late 90s, is it still today?
With a current account from The Co-operative Bank, you’ll get access to worldwide travel insurance from AXA, UK and European breakdown cover from RAC, everyday rewards and the option to have a greater degree of control over your spending.
Ireland’s largest financial services group offer a variety of eye-catching features with their current accounts, including cashback rewards.
Copenhagen-based Danske Bank has a current account for everyone, from 11-to 17-year olds to those wanting fee-free cash withdrawals in non-sterling currencies. You can earn a £7 cash reward paid into your account each month, zero interest and fees on the first £100 of an overdraft and favourable interest rates on personal loans.
