Deposit cheques without going to the bank

Ever had a cheque tucked away in your purse or wallet for ages? Depositing them isn’t always very handy, is it?

Well those paper-bound pounds are about to be liberated, with new easy-peasy mobile cheque depositing built right into your B app! Please read the terms below.

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Deposit your cheque digitally

No need to go into the bank – Now you can just take a picture of both sides of the cheque and send it through your app online.

Funds clear faster – No more waiting for your money: cheques clear by the end of the next working day. See footnote [1] for exclusions

Deposit cheques from anywhere – Working or travelling abroad? Depositing a Sterling cheque via your mobile will work there too.

How to deposit cheques using the B app

Here’s a step-by-step guide to mobile cheque depositing – just in case you want something to refer to the first time you use it.

  • Tap on the account you wish to deposit into, tap the menu in the top right corner and choose ‘Deposit a cheque’
  • Enter the cheque amount and press ‘Next’
  • If it’s your first time, you’ll be asked to let the app access your camera. Hit ‘Allow’ to continue.
  • You’ll be shown how to frame a photo of the cheque. Once it’s all lined up, the B app will automatically take the shot for you. Then press the forward arrow to continue.
  • Confirm you’re happy with the photo or try again. Just make sure all the cheque details show clearly.
  • Press ‘Snap the back’ then turn your cheque over and repeat steps 4 and 5 for the back of the cheque.
  • The summary screen will confirm the cheque amount and show you a preview of the photos. Everything good? Press ‘Pay in your cheque’. Something not quite right? Hit ‘Cancel’ and start again.
  • Done! You’ll get an on-screen confirmation, and we’ll do a few ‘cheque checks’. If everything’s fine at our end, we’ll send you a quick text and pass the cheque on to the payer’s bank.

Know the small print

We’ve designed the service to be as simple as possible, but here are a few things to know before you use it.

For now, you can only use the service to deposit cheques signed no longer than 6 months ago, up to £500 and into your B Current Account and B Instant Savings Account.

Most banks are part of the scheme, but there may be certain cheques we can’t accept. We’ll let you know if there’s a problem though.

[1] If you deposit the cheque by mobile after 5pm, clearing won’t start till the next working day. Cheques submitted on a Friday will usually clear by Monday.

Send your cheque on a weekday and funds will clear by 23:59 (at the latest) on the next working day. Remember though, bank holidays don’t count as official working days.

Can’t see the Cheque Deposit facility in your app?

We’ve updated the app to include the mobile cheque depositing feature. If you can’t find it in your app menu, you might need to download the latest version first.

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