Pay in cheques with our Mobile Banking app

How to pay in a cheque on your phone or tablet.

It's straightforward, handy and safe

  • The app takes a photo of the cheque and ‘reads’ the details.
  • The money is usually available the next working day.
  • It saves you a trip to the branch.
  • Once accepted, the cheque is processed just like normal.
Screenshot of mobile device using the cheque scanning feature

To make a payment in the app

Pick an account

Select the ‘...’ icon next to the account you want to pay the cheque into.


Choose the deposit cheque option

In the list that pops up, select ‘Deposit cheque & view deposit history’. 

Enter the cheque's value

You can also give it a reference to keep track of where the money is from, or what it's for.

Select ‘Front of cheque’

Now use the app to take a photo of your cheque. Select the camera icon labelled ‘Front of cheque’ .

Allow access to your camera

If asked, select ‘OK’ to let the app use your phone camera.

Lay your cheque face up on a flat surface

Hold your phone over the cheque. When a blue border appears, hold still and the app will take the photo.

Select ‘Back of cheque’

Repeat the process for the back of your cheque - even if it's blank.

Select ‘Review your deposit’

Review the details carefully. If they're correct select ‘Confirm’.


That's it, you've paid in your cheque. Select the ‘Deposit History’ tab to see when the money will be available.

Don’t have the app? You can download it now.

Frequently asked questions

  • It’s a way to pay in cheques using your mobile or tablet device using our Mobile Banking app. The app uses your device's camera to take a photo of the cheque. Then it ‘reads’ the details to pay the money into your account.

  • You can pay in most types of cheque accepted by UK banks and made out in pounds. This includes UK Government Payable Orders, postal orders, banker’s drafts and Building Society cheques – but not travellers’ cheques, bank giro credits and various non-standard cheques. If we don’t accept the type of cheque you're trying to pay in, the app will tell you when you try to take the image.

  • Yes. There is a limit for each individual cheque of £1,000, and a maximum daily limit of £2,000 per day. These limits are shown in the app when you enter the amount written on the cheque. There’s no limit to the number of cheques you can pay in up to the daily total. Some types of cheque may only be deposited in branch.

  • Funds will normally be available in your account at the end of the next working day. So, if you pay in a cheque before 10pm on a normal weekday, that’s classed as the first working day. Your money will usually be available by the end of the following working day.

  • You can see all the cheques you've paid in using cheque imaging over the past 99 days using the app's ‘Deposit History’ tab. Just follow steps one and two above to get you to the right place. ‘Funds available’ means the money is in your account and available for you to use.

  • Once the cheque is accepted by the app, mark the back of the cheque as 'deposited' and keep it in a safe place until its status reads ‘Funds available’ in the ‘Deposit History’ tab. Then destroy the cheque - tearing or shredding are good ways to do this securely.

    If we need to see the original, we’ll write to let you know. We may ask you to bring the cheque into branch. This helps us keep on top of fraudsters’ tricks as well as making sure payments are processed properly.

  • If a cheque in ‘Deposit History’ says ‘Rejected’, we were unable to process the payment. Don’t try to deposit it again with the app. The reason for rejection will shown in the app, and we’ll also write to you to confirm this reason.

Other online services

There are so many services at your fingertips with our Mobile Banking app and Online Banking. You can even pay a mobile contact!

More things you can do on our app

Sign in using fingerprint or Face ID on a compatible device

Mobile Banking: We don’t charge you for Mobile Banking but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Online Banking. Terms and conditions apply.

Mobile Banking app: Our Mobile Banking app is available to Online Banking customers with a UK personal account and valid registered phone number. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. Device registration required

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