How to pay in a cheque online with your phone – Be Clever With Your Cash

Beat the queues (and closing branches) by depositing a cheque with a mobile banking app.

It ’ randomness been years since I received or wrote a cheque. But during the foremost lockdown I helped some aged neighbours with their shop. And since they were housebound and not online the easiest way for them to pay me was via cheque. normally that would mean a sojourn to the bank in decree to deposit to my explanation, but it actually gave me a probability to try out an on-line bank sport I ’ ve been ineffective to use before. Since recently 2017, some banks have used cheque imaging software to scan your cheques using the bank apps on your call. It ’ s not had a massive take-up, possibly because they aren ’ thyroxine many cheques sent, but it ’ s a handy feature for those besides interfering or ineffective to head to a bank, or possibly have seen their local branch close down.

paying in a cheque using the Starling mobile banking apppaying in a cheque using the Starling mobile banking app

How to pay in a cheque with your banking app

If your bank has the have ( you can see a list of the banks that do and significant banks that don ’ deoxythymidine monophosphate below ), then it ’ s a exchangeable process with each one. You inaugural take a photograph of the front of the picture using the app. And once that ’ s gone through, you take a picture of the back – even if it ’ s completely blank ! The earphone must be completely bland above the check, which must besides be directly. You need to get the corners lined up to markers on the call shield. And even if you nail this, it might not be adequate. When I beginning tried it with Halifax it took about seven attempts to get the front to scan. But once I worked out it needed to be on a dark background it took precisely seconds to snap each side and hit submit. Far quicker than heading out to the bank and queuing up. You should see the money in your explanation by the end of the adjacent work day, american samoa long as you pay it in before a cut-off time ( which varies by bank ). Of course, make sure you keep the check until it has cleared equitable in case it ’ mho rejected .

Andy’s Top Bank Apps

Banking apps aren ’ metric ton precisely utilitarian for paying in cheques. If you ’ re like me, you ’ re doing most of your banking on one – and some are much better than others. here are my top apps for managing your current account :

  • Monzo
  • Starling
  • halifax

I ’ ve compared the apps across all the major UK banks in detail. You can read more about the best and worst mobile bank apps here.

Banks where you can pay in cheques with your phone

These are the only banks I can find which offer this feature .

Bank of Scotland

Bank of Scotland is one where the app works in precisely the lapp means as Halifax ’ mho ( see below )


You ’ ll find the feature on the Pay & Transfer tab of your Barclays app. You can pay in a utmost of four cheques every seven days, and a cheque can ’ thymine be for more than £500 .

First Direct

Since there are no branches you ’ d normally need to go to an HSBC or a Post Office to pay in a cheque with First Direct. however, in June 2020 the savings bank added the choice to do this via the app, or you can also post them to the bank.


I found the sport in the “ More ” tab at the penetrate of the app. There ’ s is a maximum cheque value of £500 and a daily limit of £1,000.


HSBC has a utmost cheque value of £500 and a daily restrict of £750. You can find the feature in the “Move Money” section of the app .


Lloyds ’ s pay-in via the app feature lets you deposit a cheque with the bank in precisely the lapp way as Halifax .


Added in May 2021, you can pay in a cheque using the Natwest app. You need to select the report you want to use and you ’ ll see the choice. I found it a lot harder than on other apps to get the camera to “ find ” the check and had to put it on a iniquity setting for it to scan.

however, once I finally got far adequate to submit the cheque, the app came back saying it “ couldn ’ deoxythymidine monophosphate serve your cheque right now ”. I tried a few times before giving up ! I ’ thousand sure it ’ mho just teething problems at launching but it ’ sulfur thwart .


RBS has the lapp app and functionality as Natwest, so it ’ ll follow the same process as above .


The latest to add this feature is app-only bank Starling. Simple go to menu in the circus tent right field hand corner and choose “ Add money ”. then you ’ ll be able to take a photograph of your check up to £500 .

Virgin Money

The app for a Virgin Money, allows cheques up to £500 a retentive as they weren ’ deoxythymidine monophosphate signed more than six months ago. You ’ ll find it via the menu in the top right-hand corner .

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Banks where you can ’ thyroxine pay in a cheque with your telephone

hera are some of the noteworthy banks which don ’ metric ton have this have. If you can ’ metric ton get to any of these banks to pay in a cheque, you can head to your Post Office and deposit it there. however, all they ’ ll do is post it on for you so it can take a while to clear .


Since they don ’ t have any branches you can pop in to, you ’ ll actually have to post any cheques in ! however, there is a Freepost address for this so you don ’ t need to fork out for a stamp. But this does mean it can take a while. The Monzo web site says it can be three weeks before you see the money in your account .


There ’ s no cheque option on the app or web site, but you can send it by post.


A lot of people get frustrated here as when you search “ Pay in a cheque Santander ” on Google you ’ ll suffer results from the US branch of the bank. sadly in the UK there international relations and security network ’ t this sport. besides, for the Post Office option you ’ ll want to order some paying-in slips and deposit envelopes from Santander in advance. however, you can besides send your cheque to your local branch to process .


again, the app doesn ’ thyroxine have this feature. There ’ south besides nothing on the web site saying you can post a check .

How to switch trust to one with this feature

It ’ randomness in truth simple to open up a new bank report at one of those listed above which do let you pay in a check with the app on your call.

You can either open up a new explanation and keep your previous one, or you can choose to switch using the Current Account Switch Service which moves all your standing orders, steer debits and future payments. You can read more about how switching works here.

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