For all the fuss over cheque imaging over the years I would have thought this thread would have been popping!
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Im buzzing for it. Paying cheques in is the last reason to have another account - well that and the £1000 cash deposit limit per 180 days…
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HSBC have increased their in-app limit to £2000/day
Lloyds Group (Lloyds, Halifax , BoS) have increased their in-app limit to £10,000
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Per cheque? 
Yeah looks it.
Who receives that much money?
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Businesses / sole traders etc I guess?
A company I worked for once got a cheque for £1.2m, and then lost it. It was a fun day in the office.
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They didn’t hand it in at Monzo HQ did they?
memories
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So a question I just thought of (don’t ask me how/why). Would cheque imaging work with a novelty size cheque? One of those that smiling happy people hold when they win some competition?
Presumably the answer is no, if it’s issued by the “Bognor Seahorse Charity” or something random like that.
But what if it was issued by some organisation that can issue cheques? Would that be processed if the recipient could take a photo from far enough away?
Could someone start a bank / building society with the USP of issuing novelty size chequebooks?
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I think the novelty size cheques are only for the publicity photographs. They’ll issue a real cheque as well.
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Anyone really can write a “cheque” on anything and it be legal. Whether a bank accepts it is another thing I would imagine.
A photo probably has set parameters to at least check it’s… well, a cheque… so I’d imagine legally yes and technically no for acceptance.
As for lottery winners, well it’s all done via electronic transfer now so no cheques are issued. The novelty ones are only for those going public over (I think) £50,000 or something.
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Oh I know novelty cheques are just for publicity. But (slow day, I guess), I was just wondering if someone issued a novelty-size chequebook with all the standard cheque features, would there be anything stopping those being scanned in using cheque imaging? Presumably not…
It would need the unique identifier or otherwise you could repeatedly cash the same cheque.
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Well you’d probably need a ladder. To fit the whole cheque in the lens.
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I think the idea is if all the right numbers and such were on a very large cheque would it be able to pass a cheque imaging app.
I would probably think not, but I could be wrong. I got a really awkward shaped cheque that was the bottom half of an A4 letter and it wasn’t being accepted no matter how hard I tried.
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Right then, who is going to get a cheque and get it made up to billboard size and take a photo?
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To be honest it probably would only take someone to print one off on A3 to see if oversized works.
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I wonder how many complaints there will be if Monzo’s cheque imaging (when it comes) only works with standard size cheques, and not novelty ones.