Pay in cheques with our Mobile Banking app

How to pay in a cheque on your phone or tablet.

It’s quick, convenient and secure

The app takes a photo of the cheque and ‘reads’ the details.

  • The money is usually available the next working day.
  • It saves you a trip to the branch.
  • Once accepted, the cheque is processed just like normal.
Image of a mobile device taking a picture of a cheque

To make a deposit in the app

1. Pick an account

Select the three dots on the account tile for the account you want to deposit the cheque.

2. Choose the deposit cheque option

Then select ‘Deposit cheque & view deposit history.'

3. Enter the amount of the cheque

To keep track of where the money is from, or what it's for, you can choose to add a reference.

4. Select 'Front of cheque'

Select 'Front of cheque' to scan the cheque.

5. Allow access to your camera

If asked, 'allow' access to your camera to scan the image.

6. Lay your cheque face up on a flat surface

Lay the cheque on a flat surface with a dark background. Hold camera level and directly above. When a green border appears, hold still and the app will take the photo.

7. Select 'Back of cheque'.

Repeat the process for the reverse of the cheque – even if it's blank.

8. Select ‘Review your deposit’

Review the details and then confirm the deposit.

9. Done!

That's it, you’ve deposited your cheque. Select the Deposit History tab to see when the money will be available.

Download the app now to use the Deposit cheque feature.

Frequently asked questions

  • It’s a way to pay in cheques using your mobile or tablet device using our Mobile Banking app. The app uses your device's camera to take a photo of the cheque. Then it ‘reads’ the details to pay the money into your account.

  • You can pay in most types of cheque accepted by UK banks and made out in pounds. This includes UK Government Payable Orders, postal orders, banker’s drafts and Building Society cheques – but not travellers’ cheques, bank giro credits and various non-standard cheques. If we don’t accept the type of cheque you're trying to pay in, the app will tell you when you try to take the image.

  • Yes. There is a limit for each individual cheque of £1,000, and a maximum daily limit of £2,000 per day. These limits are shown in the app when you enter the amount written on the cheque. There’s no limit to the number of cheques you can pay in up to the daily total. Some types of cheque may only be deposited in branch.

  • Funds will normally be available in your account at the end of the next working day. So, if you pay in a cheque before 10pm on a normal weekday, that’s classed as the first working day. Your money will usually be available by the end of the following working day.

  • You can see all the cheques you've paid in using cheque imaging over the past 99 days using the app's ‘Deposit History’ tab. Just follow steps one and two above to get you to the right place. ‘Funds available’ means the money is in your account and available for you to use.

  • Once the cheque is accepted by the app, mark the back of the cheque as 'deposited' and keep it in a safe place until its status reads ‘Funds available’ in the ‘Deposit History’ tab. Then destroy the cheque - tearing or shredding are good ways to do this securely.

    If we need to see the original, we’ll write to let you know. We may ask you to bring the cheque into branch. This helps us keep on top of fraudsters’ tricks as well as making sure payments are processed properly.

  • If a cheque in ‘Deposit History’ says ‘Rejected’, we were unable to process the payment. Don’t try to deposit it again with the app. The reason for rejection will shown in the app, and we’ll also write to you to confirm this reason.

Other online services

Keep track of account activities, make payments, check your statements and many more. Find out about the things you can do online or in your internet browser.

What you can do online

More things you can do in our app

Log in using fingerprint or Face ID on a compatible device.

Important legal information

Please note: Our Mobile Banking app is supported by devices running iOS or Android. The app is not compatible with some older versions of the operating systems. Check the App Store or Google Play for more details.

We don't charge you for Mobile Banking but your mobile operator may charge you for certain services, such as downloading or using the app, so please check with them.

If your phone has been subjected to unauthorised modifications (e.g. jailbroken or rooted) the app will not be compatible with your device.

Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

It may be unlawful to use some Internet and Mobile Banking services in some countries. Please check before you travel. Services may be affected by phone signal and functionality.

Terms and conditions apply.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.