Cheques

You can use the cash machines at our branches to deposit cheques into your current account, credit card account or savings account with a sort code and account number. Our branch counters accept cheques to be paid into any type of account.

Cash machines

You can deposit up to 30 cheques at a time into our cash machines. You’ll need your debit card and PIN.

Insert your card into the cash machine and type your PIN.

• Choose ‘Deposit cheques’.
• You’ll be asked to put the cheque(s) into the machine.
• The cash machine will scan the cheque(s) and calculate the value – if there are any it can’t read it’ll ask you to type the value in on the screen.
• Confirm the value and that you’ve paid your cheque/s in.

If you’ve tried to pay in a cheque that the machine can’t read, or an invalid cheque, the machine will return it to you. 

If one of our cash machines captures your cheque and doesn’t credit your account, please chat with us and we’ll provide some steps on how to resolve this issue.

You can use most of our cash machines at any time but 8 of our branches only have internal cash machines, so you can only deposit cheques during branch opening hours. These branches are Canterbury, Canary Wharf, Chelsea, Oxford City, St Neots, Surbiton, Tenterden and Wells.

When will the money be available?

Cash machine

• Paid in before 8pm on a working day? Available by 11:59pm the next working day.
• Paid in after 8pm or on a non-working day? Available by 11:59pm 2 working days later.
   

Branch counter

• Paid in on a working day? Available by 11:59pm the next working day.
• Paid in on a non-working day? Available by 11:59pm 2 working days later.
   

You can use the post to deposit cheques into your current account, credit card account or savings account with a sort code and account number. On the back of your cheque, please write your own postcode and the sort code and account number you want the cheque to be credited to. We can’t accept cheques for mortgage or loan payments in the post.

• If you have a paying-in slip, complete it and send it with the cheque.
• If you don’t have a paying-in slip you can still deposit your cheque, please write your postcode, sort code and account number the cheque is to be credited to on the back of the cheque. Without this information we won’t be able to pay in your cheque. Requesting paying-in slips
• Send the cheque to: Santander Processing, P.O. Box 12644, Harlow, CM20 9QH

When will the money be available?

By 11:59pm the next working day after the cheque has been received.

You can deposit cheques at the Post Office into your current account, credit card account or savings account with a sort code and account number.

To do this, you'll need:

• a personalised paying-in slip
• a deposit envelope
• the cheque(s) you want to deposit
• take a photo of your cheque or keep a note of the cheque details (the printed cheque number plus the amount)
• on the back of your cheque, please write your own postcode plus the sort code and account number you want the cheque to be credited to.

How do I order new envelopes or paying-in slips?

When logged on to Mobile or Online Banking, you can use chat to ask for new paying-in slips and deposit envelopes. Or you can get in touch with and use our automated telephone service and ask for new deposit envelopes. These can take up to 7-10 working days to reach you.

When will the money be available?

By 11:59pm the next working day from when the cheque is received at our clearing centre. This can sometimes take a little longer to reach us from the Post Office.

If you need to pay a foreign currency cheque into your account, we can help. Take a look at the ‘Foreign currency cheques/drafts’ section on our making international payments page.