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Pay in a cheque without paying us a visit

All you need is your smartphone

We’re always looking for innovative ways to make your life easier. Getting to a branch in opening hours isn’t always possible, so we’re pleased to tell you there’s a more convenient way to pay in cheques – anytime, anywhere.

If you can’t see the ‘Pay in a cheque’ feature, please bear with us – we’re rolling the feature out to everyone over a few weeks, so it may take a little while longer to show on your app.

How it works

Pay in cheques by using your Barclays Mobile Banking app and your smartphone’s camera1. Just take a photo of the cheque and submit it through your app, with the amount and payee details.

You’ll get the money in your account by 23:59 the next weekday2, so there’s no more waiting around for your money to clear.

 

Which accounts?

Pay into any Barclays sterling current or savings accounts (excluding ISA and Bond accounts)

How much?

Pay in sterling cheques up to £500 – 4 cheques each week if you’re a Personal or Premier customer, and 20 if you’re a Business customer

Is it safe?

It’s just as secure as paying in a cheque at a branch

A step-by-step guide to paying in a cheque with your phone

Step 1

Log in to the Barclays Mobile Banking app and select ‘Pay in a cheque’ in the ‘Manage Payments’ section.

Step 2

Choose the account you want the cheque paid into and enter the details from the cheque. Enter the amount and a reference, if you need one, then select ‘Capture your cheque’.

Step 3

Hold your phone over the front of the cheque. The on-screen frame will turn green when the cheque is correctly placed and will take a picture automatically. Do the same with the back of the cheque.

Step 4

Tap ‘Pay in cheque’. That’s it – all done.

FAQs

  • When will cheques paid in using my Barclays Mobile Banking app clear?

    If you pay in a cheque 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 the cheque has cleared and the money appears in your available balance.

  • Can I pay in cheques from other banks using my Barclays Mobile Banking app?

    Yes. You can pay in most cheques from UK banks, but some issuing banks don’t allow photo cheque clearing. If you try and pay in a cheque from one of those banks, you’ll get a message telling you to take the cheque to a branch to pay it in.

  • How many cheques can I pay in?

    You can use your app to pay in a set number of cheques every 7 days, depending on the type of account you have

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

    We may change these limits at any time. If you need to pay in more cheques than the limit, please visit a branch.

  • When does the 7-day period start?

    The day you pay in a cheque in the app for the first time. The count is reset every 7 days after that.

  • What happens if I lose my mobile connection while I’m paying in a cheque?

    The cheque might still have been paid in. 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 – we’ll warn you if you try to do that.

  • Why do I keep getting error messages when I take a photo?

    It might be that your photo didn’t collect all the information we need. Please take another photo of your cheque and make sure

    • The background is plain and darker than the cheque
    • The cheque is at least 15cm away from the edge of any desk or table
    • The lighting isn’t too bright or dark
    • All 4 corners of the cheque are clear in the photo
    • Your camera faces the cheque – it isn’t 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.

  • Are there any limitations on paying in cheques using my app?

    Yes.

    • You must be registered for Barclays Mobile Banking and use the latest version of it
    • You can only pay sterling cheques into Barclays sterling accounts
    • We don’t support every sort code at the moment. If the sort code on your cheque isn’t supported, we’ll tell you when you try to pay it in
    • You can pay in cheques for up to £500
    • There’s a weekly limit on the number of cheques you can pay in using your app – 4 for personal accounts and 20 for business accounts
  • Why can't I pay in my cheque?

    If we can’t process your cheque through your app, we’ll let you know what to do. You can also contact us to talk about paying in a cheque using the ‘Call us' 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 in case we need to contact you about it.

  • Why can I only pay in 4 cheques every 7 days to my business account?

    If you have both business and personal accounts with us and you use your personal account details to register your Barclays Mobile Banking app, your limit will be 4 cheques every 7 days.

    To change this to 20 cheques, you’ll need to uninstall and reinstall your app, then re-register using your business banking sort code and account number. You’ll need your business account debit card to register. For the first 10 days after registration, some features won’t be available, such as mobile PINsentry. This delay helps us prevent fraud and keep your account safe.

    If you only have a business bank account, or if you’re logging in with your business banking details, and your limit is 4 cheques, please call us on 0345 600 23233.

Paying in at a branch

You can still pay in cheques at a branch but at the moment, you’ll get your money much sooner by using your app. Until we’ve upgraded all of our branches for cheque imaging, it’ll typically take up to 6 weekdays from the day you pay in your cheque for the money to be yours to keep.

For the rest of 2018 until cheque imaging fully replaces paper-based clearing, more and more cheques will clear faster – so don’t get caught out when you write one. Make sure you always have enough money in your account to cover them. Learn more about the cheque clearing cycle and the future of cheques.

What else can your app do?

Barclays Mobile Banking4 is here to help you manage your money on the go – safely and securely. But there’s much more to it than that.