Either B (who are Clydesdale IIRC) or Barclays to get in-app cheque imaging.
It’s worth having a throwaway account to do it if you get a couple of cheques a year, as I do (with me it’s british gas FIT payments which they insist they don’t have the ability to pay by BACS… yeah a 30 billion pound company can’t work out how to pay by BACS - pull the other one it’s got shiny bells on…).
I guess when the banking protocols are introduced next year, meaning you can access you own bank account (held at, say, Lloyds) through another bank’s app (perhaps Barclays, which will provide cheque imaging clearing) I suppose it might technically become possible to clear a cheque through another bank.
I know beta, etc and they’ve not been going long - and it’s a lot of work and time.
But it kind of looks like the big banks have seen the risk and are overtaking the fintechs like Monzo and Starling. I know in reality it’s very complicated. But you’d kind of have expected fintech banks to have jumped all over this and to have implemented it first.
It’s not just about adding a feature to the banking app to take a photo of a cheque. The whole clearing chain has to be updated to support cheque imaging. The fin tech banks are not clearing banks and so rely on other banks to clear the cheques. Until they have updated to the digital imaging clearing system, Monzo, Starling, et al won’t be able to support cheque imaging.
My understanding is that the big (clearing) banks are rolling this out in a phased approach, with some adding limited support now, and more coming on board with less limitations over the coming year.
However I received one earlier this week and sent it to Monzo - I keep meaning to contact in app but I can’t do that at work (Boo hiss)
My suggestion however, if possible, even though cheques stink, is a notifiction into your feed that Monzo have received the cheque and it is going through clearing.
also - if anyone at monzo wants to have a look at my account for me and check, cheers!
I’m a basketball reff and some clubs pay by cheque, depending on which club I go to depends on which method of payment.
It probably averages at 1 per month, however, a couple of weeks back I had 4 cheques (in one month). This was a bit more than normal, granted. However, enough for me to take the decision and go to my other bank to pay in, than post off.
I daresay, clubs are getting more advance, as one has already switched to a bank transfer method to pay, although older, traditional clubs prefer cheque method
Cheques are plainly ridiculous in this day and age. If I were you, I’d be looking at making it a condition of your service that payments are made by bank transfer …or look at a solution such as iZettle.
The longer that people generally entertain cheques as a reasonable method of payment, the longer we’ll have to put up with them.
Failing that, get an account with B (Yorkshire/Clydesdale) or Barclays and take advantage of cheque imaging. I’ve done this already. It’s easy.
Whilst I agree with you in my opinion, it is the clubs that decide what works best for them! To be fair to the clubs, they have been banking this way for longer than I have played/ reffed! To ask them to change now when it works for them (and we all know if something isn’t broken) from their point of view rude and intrusive when the whole league is voluntary and already an unthankful task. Therefore, whilst it is still ‘happening’ (and it is, like it or loath it) in today’s society, I think should accept it with a better process and then when society catches up, then phase it out.