Cheques and cheque imaging

When a cheque in pounds is paid into your account it goes through a “clearing cycle”. This affects when funds will be made available to you, when interest starts to be earned and when you can be sure the money is yours.

Where to send your cheques

If a cheque written in pounds is being paid into your account then you must complete one of your paying-in slips and send it with the cheque either in one of the pre-paid envelope or your own envelope to: CAPB Processing Centre, PO Box 12665, Harlow, CM20 9QP.

If the cheque is being deposited in any other currency then send it along with a letter indicating the account name and account number you want the cheque to go into to: Foreign Cheques Team (Cater Allen), Payment Operations, Santander UK, 2nd Floor Admin North, Bridle Road, Bootle, Liverpool, L30 4GB. Please scroll down for further detailed information about depositing foreign cheques.

Depositing cheques

When we receive a cheque we’ll take a digital picture of it, known as 'cheque imaging'. If you pay a cheque into your account on a working day, on the next working day you will start to earn interest and be able to withdraw.

Funds paid in by cheque (in pounds) will follow the timescales set out below. The timescales will apply from the Business Day we receive the cheque. This will be on the day we receive it by post.

Day cheque (in pounds) received Day we allow you to withdraw money, interest is earned and you can be sure the money is yours
Monday Tuesday
Tuesday Wednesday
Wednesday Thursday
Thursday Friday
Friday Monday

Under this clearing system cheques will be paid in and cleared using an image of the cheque. So, if you want a copy of the cheque we will only be able to give you a copy of the imaged cheque. If you’re paying in a cheque and it’s returned unpaid, we won't be able to send the cheque back to you. We are also unable to re-present it and you’ll need to contact the person who sent you the cheque to request alternative payment.

Writing and paying in cheques

It’s important to make sure you have enough funds in your account before writing a cheque, as the money could leave your account as early as the day after you have written the cheque and given it to the recipient.

If you’re writing a cheque to another person and the cheque is not paid, other banks may represent the cheque on more than one occasion. If the cheque is not paid after this, you may be contacted to make the payment by alternative means.

Depositing foreign currency cheques

Please note there is a minimum value of £100 for processing foreign cheques. Any cheques below this value will be returned.

If you wish to pay in a cheque that is drawn in a currency other than pounds, regardless of the currency of your account, please send it to us at: Foreign Cheques Team (Cater Allen), Payment Operations, Santander UK, 2nd Floor Admin North, Bridle Road, Bootle, Liverpool, L30 4GB. You (the holder of the account) must sign all foreign currency cheques on their reverse before you send them to us. The signatures must be in accordance with the account mandate.

When we receive foreign cheques, we will send them for either “negotiation” or “collection” in order to receive the funds from the bank on which the cheque is drawn, regardless of the currency of the account you are depositing to. For more information on cheque collection and negotiation, please see our Guide to your Account document.

Please refer to the Banking Tariff for details of the collection and negotiation charges which apply. As part of this process, we will arrange for these foreign currency cheques to be converted to the currency of your account (where applicable). This conversion will be carried out at the exchange rate applicable to payments made into your account. Please visit caterallen.co.uk/resources/foreign-payments-and-currencies for details of today’s exchange rates.

Will I be able to scan my own cheques and send in the image?

This service is not currently available, but it’s something that we plan to introduce in the future.

How will unpaid cheques be returned to me?

If a cheque is returned unpaid, we will send you a letter stating the reason why the cheque has been unpaid. We will not be able to return the unpaid cheque to you. You will then need to request a new cheque, or alternative payment from the original issuer of the cheque. Likewise, you may be asked to issue a new cheque or make an alternative payment.