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Mobile Cheque Imaging

Pay in cheques using your mobile banking app

Paying  in a cheque is becoming a lot more convenient – all you need is your smartphone.

  • Pay into any Barclays sterling current or savings accounts (excluding ISA and Bond accounts)
  • Pay in 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 paid in through the app

The pilot is now closed to new applicants.

Thanks for helping us test this

Thank you for being one of the first to try paying in cheques with your phone. It’s a more convenient way to pay cheques into your Barclays accounts. Your support is helping us develop the app – and we’ve got some good news: you can now pay in most cheques from other banks as well as Barclays cheques.

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 some time in the second half of this year.

By the end 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 money by 23:59 on the next weekday (except bank holidays, as long as the cheque hasn’t bounced). 

This also means that when you write a cheque, the money 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. Most cheques are now clearing faster through our mobile banking app, though only a small number of branches are using the faster clearing system at the moment.

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.

As a member of our pilot, you can use your Barclays Mobile Banking app to pay in most cheques from other banks as well as ours – all up to the value of £500.

You'll need to 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 (133KB).

  • What is it?

    An easy way to pay in cheques

    You can now securely pay in Barclays cheques and most cheques from other banks for amounts up to £500, using your Barclays Mobile Banking app1. Just take a photo of your cheque, submit it using your app, along with the amount and payee details. The cheque amount will show on your account almost instantly and be available by 23:59 the next weekday (Monday to Friday except bank holidays).

    • Pay into any Barclays current or savings accounts (excluding ISA and Bond accounts)
    • Pay in up to 4 cheques each week if you’re a Personal or Premier customer, and up to 20 if you’re a Business customer
    • View cheques you’ve paid in using your Barclays Mobile Banking app
  • How do I use it?

    A step-by-step guide on how to pay in a cheque from your phone

    Step 1: Log in to your app and select ‘Pay in a cheque’ in the ‘Manage Payments’ section.

    Step 2: Select 'Pay in a cheque’.

    Step 3: Choose the account you want the cheque paid into and enter the details from the cheque. Enter the amount and payee name, and a reference, if you need one. Tick the box to accept the terms and conditions, then select ‘Capture your cheque’.

    Step 4: Hold your phone over the front of the cheque. The corners of the on-screen frame will turn green when the cheque is correctly placed and will capture the image automatically. Do the same with the back of the cheque.

    Step 5: Tap ‘Pay in Cheque’. That’s it – all done.

  • FAQs

    What is mobile cheque imaging? 
    Mobile cheque imaging allows you to pay in cheques for amounts up to £500 securely, through your Barclays Mobile Banking app1.

    Once I have ‘Pay in a cheque’ enabled in Barclays Mobile Banking, what do I have to do?
    If you receive a cheque for £500 or less, we’d like you to pay it in using your Barclays Mobile Banking app. We’ll also contact you for your feedback, which will help us to shape the service before we make it available to all our customers.

    When will cheques paid in using my Barclays Mobile Banking app clear?
    If you pay it in before 16:00 on a weekday (Monday to Friday, except bank holidays), it’ll clear by 23:59 the next weekday. You’ll see it on your account almost instantly, but the money won’t be available until it’s cleared and appears in your available balance.

    Can I pay cheques in from other banks using my Barclays app?
    Yes. You can pay in most cheques from UK banks, but not all sort codes will be supported at first. If the sort code isn’t yet supported, we’ll let you know when you try to pay it in. You’ll see a message with the code ’CP002’ which means you’ll need to pay this cheque in at a branch.

    How many cheques can I pay in?
    You can pay in a set number of cheques through your app every 7 days, depending on the type of account you have

    • Personal current account – 4 cheques
    • Premier current account –  4 cheques
    • Private bank customer – 4 cheques
    • Private client – 4 cheques
    • Offshore customer – 4 cheques
    • Business account – 20 cheques

    We can change these limits at any time.

    If you have more cheques than this to pay in, please visit a branch.

    When does the 7-day period start?
    The day you first pay in a cheque.

    What happens if I lose my mobile connection while I’m paying in a cheque?
    Your deposit may still work. You can check by selecting ‘View cheques paid in'. If you can see your cheque there, it worked.
    If it didn’t work, try paying it in again when you’re in an area with better reception.
    And don’t worry, you can’t pay in the same cheque twice – you’ll see a message with the code ‘CP003’ if you try to.

    Why do I keep getting error messages when taking the photo?
    It might be that your photo didn’t capture all the information we need. Please take 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 15cm away from the edge of any desk or table
    • It's not too dark or too brightly lit
    • All 4 corners of the cheque are captured in the photo
    • Your camera is face-on to the cheque – not at an angle
    • You hold your camera steady when you take the photo

    Some smartphone cases interfere with the camera, so removing the phone from the case can make photographing your cheque easier.
    If you've tried this and the problem continues, please pay in your cheque at a branch.

    Read more information

    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. The pilot’s currently only available on smartphones with Android 4.0 or later with a minimum 5-megapixel camera, iPhone 4S or above and iPad 3 or above, both with iOS 8 or later
    • Only sterling cheques can be paid into Barclays sterling accounts
    • Not all sort codes are supported yet – we’ll let you know when you try to pay in your cheque if this is the case
    • You can pay in cheques for amounts up to £500
    • There’s a weekly limit on the number of cheques you can pay in via the app – 4 for personal accounts and 20 for business accounts
    • 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 might not be able to submit a cheque through your app, such as

    • It’s a cheque from a sort code that isn’t yet supported
    • The amount is higher than £500
    • The date on the cheque is in the future
    • 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 traveller’s cheque, bankers draft or other bill that’s not a cheque
    • The cheque is from another account in your name
    • 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 what to do. You can also contact us using the ‘Direct Call' button in your app.

    How long should I keep cheques that I’ve paid in using my app?
    You should write 'paid in' on the back of the cheque and keep it for at least 10 days, just in case we need to get in touch with you about it.

  • Cheque clearing cycle

    How mobile cheque imaging works

    Date you paid in a cheque

    When money shows in your account

    When money is available

    Between 00:00 and 15:59

    Monday 4 December 2017

    Almost instantly but not available2

    By 23:59 Tuesday 5 December 2017
    2

    Between 16:00 and 23:59

    Monday 4 December 2017

    Almost instantly but not available2

    By 23:59 Wednesday 6 December 2017
    2

    Access your money

    When you pay in a cheque using Barclays Mobile Banking, you’ll see the payment on your account almost instantly. But the money won’t be available for you to use until it’s cleared and appears in your available balance, which will happen by 23:59 the next weekday when you pay in the cheque before 16:00 (Monday to Friday except bank holidays).

    The table above shows current timings for the Mobile Cheque Imaging pilot.

    The table only applies to cheques paid in through the Barclays Mobile Banking pilot.   

    If you pay in a cheque at a Barclays branch, or using other deposit methods, there’s a possibility it will clear by 23:59 the next weekday but it’s more likely to follow the slower process explained in the Cheque Clearing Cycle. This is because there’ll be a phased introduction of the faster clearing cycle until the end of 2018, when all cheques will clear faster.