Pay in Barclays cheques with Mobile Cheque Imaging
Deposit a cheque into your account using the Barclays Mobile Banking app
Welcome to our pilot.
Thank you for being one of the first to use our pilot. It’s a more convenient way to pay Barclays cheques into your Barclays accounts. Your support is helping us develop the app – and we’ve got some exciting news about the future of cheques.
The Cheque and Credit Clearing Company (which manages the cheque-clearing system) has announced that from 30 October 2017 there will be a new image-based process. And, during the second half of 2018, all UK banks will be clearing cheques as images.
By the end of 2018, you’ll have:
Faster access to your money
Any deposited cheques will be paid by 23:59 the next weekday (Monday to Friday, bank holidays excluded) at the latest.
More options for paying in cheques
You can still do it in a branch, but you’ll also be able to use your Barclays Mobile Banking app by taking a photo of the cheque with your phone’s camera.
We’ll start introducing these changes from 30 October 2017.
Keep in touch
We'd love to hear your views. If you use Facebook, search for 'Barclays Mobile Cheque Deposit Discussion Group' and click 'Join Group'.
You must be registered for, and use the latest version of, Barclays Mobile Banking. This is currently only available on: Android phones running 4.0 or above with a minimum 5 mega pixel camera; iPhone 4S or above and iPad 3 or above running iOS 8 or above. Terms and conditions apply 70 KB
What is it?
An easy way to pay in Barclays cheques
You can now deposit Barclays cheques with a value of £500 or less securely through the Barclays Mobile Banking app 1. Just take a photo of your cheque, submit it using the app along with the amount and payee details, and the cheque amount will show in your account almost instantly 2.
- Pay into any Barclays current or savings accounts (excluding ISA and Bond accounts)
- Deposit up to 4 cheques each week if you’re a Personal or Premier customer and 20 if you’re a Business customer
- View cheques you’ve deposited through the app
How do I use it?
Here’s a step-by-step guide on how to deposit a Barclays cheque:
Step 1: Log in to the app and select ‘Deposit a cheque’ in the ‘Tools’ section.
Select Deposit a cheque
Step 2: Select ‘Deposit a cheque’ option.
Step 3: Select your account and enter the details from the cheque. Enter the amount, payee name and a reference if you wish. Accept the Terms and Conditions by ticking the box. Then select ‘Capture your cheque’.
Take a photo
Step 4: Hold phone over the front of the cheque. The corners turn green when the cheque is correctly placed and capture starts automatically. Do the same with the back of the cheque.
Step 5: Press ‘Deposit Cheque’. It’s that simple.
What is Mobile Cheque Imaging?
Mobile Cheque Imaging enables you to deposit Barclays cheques with a value of £500 or less securely through the Barclays Mobile Banking app 1.
Why have I been invited or enabled to be one of the first to use Mobile Cheque Imaging?
You’ve been invited because you’re registered for Barclays Mobile Banking and you use an iPhone, Android phone or iPad.
Once I have Mobile Cheque Imaging enabled in Barclays Mobile Banking, what do I have to do?
If you receive a Barclays cheque (£500 or less), we’d like you to pay in this cheque using the Barclays Mobile Banking app. We’ll contact you so you can provide us with feedback that will shape the service when it becomes available to other customers.
What happens if I don’t want to use Mobile Cheque Imaging?
Nothing. You don’t have to use it – but if you do, we’d like to hear what you think of it.
What happens if I lose my mobile connection while I’m depositing a Barclays cheque?
It may be that your deposit was successful. Please check this first by going to ‘View deposited cheques’. If you can see your cheque there, it worked.
If it didn’t work, try depositing your Barclays cheque again when you’re in an area with better reception.
And don’t worry, you can’t deposit the same cheque twice – there’ll be a message with the code CP003 that will appear if you try.
When taking the photo I keep getting error messages. Why?
It might be that your photo didn’t capture all the information we need. Please retake another photo of your cheque and make sure:
- The background is plain and is a different colour to the cheque (preferably darker)
- The cheque is at least 6 inches away from the edge of any desk or table
- It's not too dark or too brightly lit
- All four corners of the cheque are captured in the photo
- Your camera is facing the cheque – not at an angle
- Your camera remains still when you take the photo
Some phone cases interfere with the phone's camera, so removing the phone from the case can make taking photos of a cheque easier.
If you've tried this and the problem continues, please visit a branch to deposit your cheque.
Can I deposit cheques from other banks and institutions using Mobile Cheque Imaging?
No. Our service currently only allows you to pay in Barclays cheques. We’re working to include cheques from other banks and organisations later this year. We’ll keep you informed.
Why are you inviting me to use Mobile Cheque Imaging before you offer it to other customers?
We are testing the service before we provide it to a larger group of customers. We start with a smaller group of customers who are asked to provide valuable feedback before we offer the service to a larger group of customers. Your feedback will help us to shape the way Mobile Cheque Imaging works in the future.
Are there any limitations on depositing cheques in the app?
There are a number of limitations to the Mobile Cheque Imaging pilot:
- You must be registered for, and use the latest version of, Barclays Mobile Banking, currently only available: on Android phones running 4.0 or above with a minimum 5 mega pixel camera; iPhone 4S or above and iPad 3 or above running iOS 8 or above.
- Only Barclays cheques can be paid into Barclays sterling accounts
- You can submit cheques up to the value of £500
- There’s a weekly limit on the number of cheques you can deposit via the app – 4 for personal accounts and 20 for business customers
- You may not be able to pay in a cheque if we've reached the maximum number of cheques we can process via the app each day
Why can't I submit my cheque?
There are a number of reasons why you may not be able to submit a cheque through the Barclays Mobile Banking app, such as:
- It’s not a Barclays cheque
- The amount is higher than £500
- You’ve exceeded the number of cheques you can submit in a week
- We’ve reached the maximum number of cheques we can process via the app for the day
- You’re trying to pay in a travellers cheque, bankers draft or other bill that is not a cheque
- The cheque is drawn on another account that you own
- The person who gave you the cheque has requested that all their cheques be returned to them
If we can’t process your cheque via the app, we’ll let you know how to proceed. You can also contact us using the ‘Call Us' button in the app.
When should I stop submitting cheques in the app?
There are currently no plans to stop the service, but we’ll let you know if anything changes.
How long should I keep cheques deposited via the app?
You should write 'deposited' on the back of the cheque, and retain it for at least 10 days, just in case we need to get in touch with you about the cheque.
Can I deposit my own cheques via the app?
No, you can only deposit cheques you receive from other Barclays customers.
When will cheques submitted using the Barclays Mobile Banking app clear?
The money will be available to you immediately, unless you’ve paid the cheque in between 2am and 3am (when it’ll be available from 3am). If the cheque bounces, we’ll deduct the value of the cheque from your account within 2 working days of when you paid it in, even if you’ve withdrawn the money in the meantime. This means you could go overdrawn.
Cheque clearing cycle
How long does it take for a cheque to clear using Mobile Cheque Imaging?
The table below shows when cheques paid into your account using Mobile Cheque Imaging will start to earn interest and when the funds become available for withdrawal. It also shows when you can be sure funds won’t be reclaimed from your account if a cheque bounces.
The table only applies to cheques deposited through the Mobile Cheque Imaging pilot. Read about our standard Cheque Clearing Cycle for details of other deposit methods.
How Mobile Cheque Imaging works
|Date you deposit cheque||Time you start earning interest on cheque||When funds are available||When cheque funds can't be debited from your account if returned unpaid|
|Between midnight and 4pm||Monday 12 September 2016||Near Instant 2||Near Instant 2||Close of business on Tuesday 13 September 2016|
|Between 4pm and midnight||Monday 12 September 2016||Near Instant 2||Near Instant 2||Close of business on Wednesday 14 September 2016|
Access your money;
With Mobile Cheque Imaging, if you're sure a cheque won't bounce you can access the money as soon as your account is credited. Between 8am and 7pm, it will be almost instant. It's worth bearing in mind that if a cheque bounces, its value will be debited from your account even if you've already withdrawn the money.
The table above shows current timings for the Mobile Cheque Imaging pilot. When cheque imaging is introduced to the UK, the timings will be changed to align to the new industry standard clearing cycle and you'll be able to access your money by 11:59pm on the next working day after you deposit your cheque using Barclays Mobile Banking.