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Cheques

What's changing?
All UK banks are changing the way they process cheques. When a cheque is received by a bank, a digital picture will be taken and the cheque is sent electronically for payment.

This means you may be able to have access to the money sooner. For a cheque paid into your account on a working day, as long as it isn't returned to us as unpaid, you'll get the funds by midnight the next working day. An extra working day should be added for cheques paid in at the Post Office.

A 'working day' means any day other than a Saturday, a Sunday or English public holiday. If you're paying a cheque into your account the payment cut-off time will vary depending on how you pay the cheque in. If you pay a cheque in using a Santander cash machine, the cut-off time is 8pm.  If you pay a cheque in over the counter in a branch, the cut-off time is when the branch closes on that day. Please note we don't process cheques on non-working days.

We're starting to make the changes now; but, because not all cheques will be managed in this way until the end of 2018, the current paper system will still be used alongside the new one.

If you're writing a cheque:
It's important to make sure you have enough funds in your account, as cheques will be paid faster.

If you're paying a cheque into a Santander account:
If the cheque is returned as the payment has been refused, we'll send you an image of the cheque and you'll need to request a new one or ask for payment by alternative means.

Watch the video guide to the cheque clearing process
 

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.