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.