Free 24/7 Emergency Cash Service to withdraw up to £250 for online and telephone banking customers or £60 if not.
With 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.
Pros
No monthly fee
Emergency cash option
Easy to open and manage
Arranged overdraft available
Access to mobile banking app to help you manage your finances
Free 24/7 Emergency Cash Service to withdraw up to £250 for online and telephone banking customers or £60 if not.
With 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.
£175 cashback for accounts switched using the Current Account Switch Service, including at least 2 direct debits or standing orders.
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.
Earn £5 cashback a month for six months when making 20 or more debit card payments each month.
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”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable.
Pros
Earn cashback as you spend
Competitive Monthly Saver
Save the Pennies feature
Overdraft available
Cons
Cashback on Save and Spend account expires after six months
Interest charged on overdrafts
Minimum opening balance
£0
Minimum operating balance
£0
Switch service guarantee
Yes
Account fees
£0
Overseas card transactions
Europe: 2.99% Elsewhere: 2.99% plus flat fee of £1
£150 cashback for accounts switched using the Current Account Switching Service provided at least £1.5K credited and 2 direct debits active within 60 days of request.
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”.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.
Pros
Easy to apply
No overeas fees for using Santander cash machines
No monthly fees
No monthly fee or minimum funding requirement
4-month interest-free overdraft for new customers
Cashback and rewards with Santander Boosts.
Cons
No interest paid on in-credit balances
Interest charged on overdrafts after first 4 months
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.
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC home&Away.
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”.
Pros
Exclusive worldwide offers and discounts
Access to competitive savings account
Fee-free international transfers to other HSBC accounts
Cash withdrawal limit of £500 per day
No monthly account fee
Cons
You’ll need to meet set eligibility criteria
Interest charged on overdraft
Foreign transaction fee applies if you use your card abroad
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.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 15% EAR variable.
Pros
No monthly-fees
No overseas fees
100% digital sign-up
24/7 UK customer support
'Settle up' feature to split joint bills
Pays interest on current account balance
Overdrafts available (only on personal accounts)
Cons
No branch network
Limited options for depositors
No competitive switch incentives if you switch your account
Limited product range compared to other banks
Lower ATM withdrawal limit than some other digital challengers
Covers account holder, partner and up to 4 dependent children aged under 18.
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.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 19.9% EAR variable. Account fee of £12.5 per month.
Pros
Range of insurance policies included with the account
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.
Frequently asked questions
Most banks limit the amount you can pay in via cheque, but exact amounts vary, so make sure you check each bank’s details carefully.
Depending on the bank, you might also be able to pay in cheques by post, by visiting a Post office branch or by popping into your nearest bank branch.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio
You can open and use a Monese account in the UK and across Europe. We round up the fees and features of this app-based current account.
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