⏰ Cheque imaging

Time consuming to do - no. Time consuming for the money to actually arrive to your account - yes. If I clear the check with the Barclays app I will get my money before the Monzo bound check most probably arrived (that is next weekday).


Not wanting to beat a dead horse here, but for me personally, PayPoint for cash and Post for cheques are issues, cheques being a big one. I keep a legacy account open purely for these purposes and then I send the money to my Monzo account.

Monzo’s last update about Cheque Imaging basically we said we don’t deposit enough cheques to make it worthwhile to them, but to me that is because the system for us cashing them is rubbish and I know that other people do the same as me and use a legacy.

My point/question is, would Monzo be prepared to use a reference or hashtag in notes on transcations to see how many people actually cash cheques in elsewhere? For example I have to pay a £500 cheque into Halifax today, If i send it to my Monzo account with the reference ‘Cheque Deposit’, it’s a good indicator what I’ve done, If we get everyone who deposits it like me to do it, maybe Monzo can collate a list of those transactions overall to see a more realistic number?

Just an idea as their number of people that deposit cheques is just not realistic.


I think your point here is what monzo love to hear.

They’re getting all the benefits without the cost and unfortunately as long as thats the case i cant see them rushing to change it.



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Hey there,

Loving my monzo account so far. Just want to suggest this feature. With my previous bank, you could take photos of the front and back of a cheque and it would clear after a few more days. Doing this feels much more secure than posting them.

Hi, i’ve moved your post to an existing topic on this subject

I just received a cheque for £80 from BA During their strikes.

I was tempted to post to Monzo but I just do not trust Royal Mail.

Luckily I have the Barclays app and after two photos and 20 seconds I have the money in my account. This was an amazing experience.

Monzo are backwards for ignoring this.


Exactly. Regardless of whether usage levels are particularly high, if the legacy banks have you beat anywhere at all in their offering you need to think hard about whether that’s reasonable.

Speaking more broadly, if you don’t have branches, then you need to make the parts of the banking experience that that impacts upon equivalent or better as a result. That means, principally, support, and functions like cash and cheque depositing.


If you feel that way, don’t forget to vote at the top of this thread :point_up:

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