Future of cheques

Pay in cheques with your Barclays Mobile Banking app

You’ll soon be able to pay in cheques whenever it’s convenient to you – just by using your mobile. We’re running a pilot to test this feature with a small group of our customers and plan to make it available to all of our customers later this year. The pilot is now closed to new applicants.

Bringing cheque processing into the 21st century

You’ve sent us plenty of questions and suggestions about the future of cheques. We’ve listened, and we’ve been working with the Government, industry and other banks to bring the cheque payment system into the 21st century.
The Cheque and Credit Clearing Company (which manages the cheque-clearing system) announced the introduction of the new Image Clearing System from 30 October 2017. It’s being rolled out in phases with more and more cheques clearing through the new system, until all cheques are cleared as images by the second half of 2018.

You’ll have:

Faster access to your money

If you pay in a cheque on a weekday (Monday to Friday, except bank holidays), you’ll typically be able to withdraw the funds by 23:59 at the latest on the next weekday (except bank holidays, as long as the cheque hasn’t bounced).

This also means that when you write a cheque, funds may leave your account faster. Just as now, you should only write a cheque if you have enough funds in your account to make the payment.

The phased roll-out will last for several months. During this time, the paper clearing and image clearing systems will run in parallel. For the first few months from 30 October 2017, only a small number of cheques will clear faster through the new image system.

More options for paying in cheques

You can still pay cheques in at a branch, but you’ll also be able to use your Barclays Mobile Banking app by taking a photo of the cheque with your smartphone’s camera1.

If you’re a member of our pilot, you can use your Barclays Mobile Banking app to pay in most cheques drawn on other banks as well as ours – all up to the value of £500. We’re sorry, but the pilot is no longer open to new applicants.

We’ll keep you informed about our plans to make cheques a sustainable, secure and convenient payment method for the future.