✅ Cheque Imaging 📱

Still Monzo. Obviously the actual pot of millions would be invested and under the care of an IFA, but for my actual banking I’d still just use Monzo

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Real cheques aren’t only in normal cheque size. I used to have a chequebook where the cheques were a good 50% larger than the usual size.

Someone wrote one on a cow.

I have heard various stories about cheques being written on unusual objects. Is this legal and, if so, what is the minimum information required on such a cheque? Would any reputable bank honour such a cheque? | Notes and Queries | guardian.co.uk.

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I don’t think there’s a dispute that a cheque can come in various sizes, but as to whether cheque imaging can process anything more than the standard sized cheques.

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I vote that yes they would be accepted.

Unless there were other items to set the scale (which there wouldn’t be if you are taking a clear photo of just the cheque) how would they even know that it was massive?

(Sorry for continuing off–topic)

Drummonds usually deals with the lottery winners, I believe.

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Merry Christmas everyone! :christmas_tree:

Monzo now have a team working on cheque imaging support for the app, but unless they are going to surprise us with the gift of a sudden Christmas Day launch (unlikely, although they do seem close), you won’t be able to pay a cheque in with your phone using Monzo this year. However, most other banks now offer this feature, so I have compiled the list below with credit to crowdsourced updates from here and FintechForum, in case anybody stumbles across this thread after receiving a cheque as a gift.

If you’ve received a cheque for Christmas, then the following information might be useful:

Banks supporting cheque imaging in-app include:

£10,000 limit per cheque
:white_check_mark: Lloyds, Bank of Scotland & Halifax

£5,000 limit per cheque
:white_check_mark: Coutts

£2000 limit per cheque
:white_check_mark: HSBC
:white_check_mark: First Direct

£1,000 limit per cheque
:white_check_mark: Barclays
:white_check_mark: NatWest, RBS, Ulster Bank, NatWest International & Isle of Man Bank
:white_check_mark: Virgin Money
:white_check_mark: Starling

£500 limit per cheque
:white_check_mark: Santander
:white_check_mark: TSB

Banks not yet offering support:

:x: Monzo (planned , postal deposit is available)
:x: Nationwide (post is recommended instead)
:x: Metro Bank (deposit in-branch only , it may be possible to post to their Head Office )
:x: Co-operative Bank & Smile (post is recommended instead or you can use the Post Office )
:x: Handelsbanken (deposits can be made by post or at the Post Office)
:x: Triodos (deposit via post only)
:x: Chase (no support for cash or cheques at all)
:x: Kroo (no support for cash or cheques at all)
:x: Revolut (no support for cash or cheques at all)
:x: Danske Bank (deposits can be made at the Post Office)
:x: Bank of Ireland (deposits can be made at the Post Office)
:x: AIB (deposits can be made at the Post Office)

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Merry Christmas! :christmas_tree::christmas_tree::santa:

Yes, I would guess around then, as a lot of the app work seems to be done already according to the Android teardowns. But I’m not confident enough to suggest that people hang on to their cheques and wait for it, as it could be quite some time if they hit a delay.

It should definitely be here by this time next year though!

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I’m sure NF would be pleased!*

*NF is a reference to the now-infamous Coutts memo!

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It’s here :pray:

The above cheque is an example - I don’t have a qualifying, genuine cheque to go through the in-app cheque processing end-to-end yet. Donations accepted :wink:

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Wow another thing that’s gone live with little fanfare today. Many of the other high street banks started off with smaller cheque deposit limits for in app paying in and then gradually increased them so hopefully the same happens with Monzo :crossed_fingers:

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You can take a photo of anything to move on.

It does the front of cheque, back of cheque, then shows you both photos. The final screen is which account to pay into, the amount, a reference and then submit. I didn’t submit as I don’t have a cheque :scream:

It’s a sleek experience, and great to see joint accounts from the get go!

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First to submit a genuine cheque via in-app cheque imaging gets a plushie*

*iOS users excepted

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@Revels ? ( or is that more £££… :wink:)

I don’t even have a cheque book anymore to write one to myself :joy::joy:

I don’t have a cheque book!

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Damn. Only a couple of days since I paid my mum’s birthday cheque in to Starling. Will have to wait until Christmas now :joy:

And jokes aside, fantastic to see this go live. Thanks to everyone at Monzo who’s brought it to the app.

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I can do this too :face_with_peeking_eye:

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Me too (shipping line)

Post entered as a Wiki?

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