# Cheque processing: a bit slow? **URL:** \ **Category:** Monzo Chat\ **Created:** [7 September 2018 12:25 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861 "2018-09-07T12:25:03Z")\ **Posts on this page:** 20\ **Page:** 3
**Author:** ![chrisblore](https://avatars.discourse-cdn.com/v4/letter/c/b487fb/32.png) [@chrisblore](https://community.monzo.com/u/chrisblore)\ **Post date:** [13 September 2018 20:00 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/41 "2018-09-13T20:00:29Z")
I posted two cheques on 4th September (in London) and received no information regarding them until 10th September, when messages appeared in my feed (with a typo for one of the names) to suggest that the funds would clear into my account on 17th September. I had a better experience from Santander when I used to walk into my branch and my balance increased straight away. I know image processing is on the cards for 2019, but at the moment it all feels very pedestrian and actually worse than legacy! ---
**Author:** ![gallifreyangirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/gallifreyangirl/32/96820_2.png) [@gallifreyangirl](https://community.monzo.com/u/gallifreyangirl)\ **Post date:** [9 October 2018 17:46 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/42 "2018-10-09T17:46:38Z")
I’ve posted a cheque today special delivery to monzo and see how that goes as I don’t have a legacy account to pay this into. ---
**Author:** ![Chalky](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/chalky/32/20366_2.png) [@Chalky](https://community.monzo.com/u/Chalky)\ **Post date:** [9 October 2018 19:37 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/43 "2018-10-09T19:37:23Z")
I posted one FREEPOST today so we’ll have to have a race! ---
**Author:** ![anon28090731](https://avatars.discourse-cdn.com/v4/letter/a/ccd318/32.png) [@anon28090731](https://community.monzo.com/u/anon28090731)\ **Post date:** [9 October 2018 20:11 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/44 "2018-10-09T20:11:11Z")
I posted one last Wednesday, not had an in-app message yet, and when I contacted them they haven’t had it yet. Will be using legacy in future, pretty unacceptable to be honest. ---
**Author:** ![gallifreyangirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/gallifreyangirl/32/96820_2.png) [@gallifreyangirl](https://community.monzo.com/u/gallifreyangirl)\ **Post date:** [9 October 2018 20:45 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/45 "2018-10-09T20:45:23Z")
I am not bothered about wait it’s only because I get them once in a blue moon. ---
**Author:** ![gallifreyangirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/gallifreyangirl/32/96820_2.png) [@gallifreyangirl](https://community.monzo.com/u/gallifreyangirl)\ **Post date:** [10 October 2018 14:45 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/46 "2018-10-10T14:45:33Z")
Very impressed had message to say cheque received today and will clear 17 October. ---
**Author:** ![anon28090731](https://avatars.discourse-cdn.com/v4/letter/a/ccd318/32.png) [@anon28090731](https://community.monzo.com/u/anon28090731)\ **Post date:** [10 October 2018 14:46 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/47 "2018-10-10T14:46:30Z")
Funny enough I’ve just had the exact same… although they’ve had it since last Thursday 😕 ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [10 October 2018 14:49 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/48 "2018-10-10T14:49:38Z")
Happy birthday 🎂 ---
**Author:** ![gallifreyangirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/gallifreyangirl/32/96820_2.png) [@gallifreyangirl](https://community.monzo.com/u/gallifreyangirl)\ **Post date:** [10 October 2018 14:51 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/49 "2018-10-10T14:51:07Z")
Thanks @Rat_au_van ---
**Author:** ![brandscill](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/brandscill/32/10153_2.png) [@brandscill](https://community.monzo.com/u/brandscill)\ **Post date:** [11 October 2018 06:25 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/50 "2018-10-11T06:25:00Z")
I agree it’s a little slow but in all honesty I like the convienence of slinging it in the postbox for free. I rarely get them and when I do it’s a nuisance. Recently I have been able to use my second account (Halifax) to pay them in via the app which has made it easier as well. When Monzo get there and also have cash deposits I’ll truky have no need for the second account. ---
**Author:** ![Chalky](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/chalky/32/20366_2.png) [@Chalky](https://community.monzo.com/u/Chalky)\ **Post date:** [16 October 2018 08:19 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/51 "2018-10-16T08:19:37Z")
I haven’t had any kind of acknowledgement yet 😞 Could be Royal Mail has eaten it though! ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [16 October 2018 08:25 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/52 "2018-10-16T08:25:36Z")
Posted one late on Thursday, first cheque I’ve sent so 🤞 ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [16 October 2018 15:36 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/53 "2018-10-16T15:36:43Z")
Just got the message in app that they’ve got it. Very nice screen with the in app notification ---
**Author:** ![nexusmaniac](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/nexusmaniac/32/3193_2.png) [@nexusmaniac](https://community.monzo.com/u/nexusmaniac)\ **Post date:** [25 October 2018 12:44 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/54 "2018-10-25T12:44:13Z")
Convinced my Mum to send a cheque into Monzo to save a trip to the highstreet 😁 I was heading to the post office today anyway so I figured I might as well 🎉 Hopefully it’ll be smooth sailing 🕶 ---
**Author:** ![nexusmaniac](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/nexusmaniac/32/3193_2.png) [@nexusmaniac](https://community.monzo.com/u/nexusmaniac)\ **Post date:** [30 October 2018 14:59 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/55 "2018-10-30T14:59:51Z")
Update! 😁 Still a few days yet 😉 but awesome screen! ![399957608](https://cdck-file-uploads-global.s3.dualstack.us-west-2.amazonaws.com/monzo/original/3X/5/6/5691c0007bdc3b154f7ae1b6cf9469ba195c0411.jpeg) ---
**Author:** ![anon79328284](https://avatars.discourse-cdn.com/v4/letter/a/258eb7/32.png) [@anon79328284](https://community.monzo.com/u/anon79328284)\ **Post date:** [20 November 2018 15:27 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/56 "2018-11-20T15:27:55Z")
This is what I use my legacy bank for. I pay in cheques in town, and funds are immediately available to transfer to Monzo. ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [20 November 2018 16:15 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/57 "2018-11-20T16:15:39Z")
Immediate funding on a cheque? ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/124177_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [20 November 2018 17:40 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/58 "2018-11-20T17:40:58Z")
I know that Santander can get the funds the next day. Don’t know any that do instant! ---
**Author:** ![TonyHoyle](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tonyhoyle/32/3357_2.png) [@TonyHoyle](https://community.monzo.com/u/TonyHoyle)\ **Post date:** [20 November 2018 20:40 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/59 "2018-11-20T20:40:36Z")
Electronic cheque processing should allow it to be available next day… that was the change made when imaging was introduced. I presume the system Monzo use predates that change, as it takes them a while even after they’ve got the cheque. ---
**Author:** ![anon41219820](https://avatars.discourse-cdn.com/v4/letter/a/e95f7d/32.png) [@anon41219820](https://community.monzo.com/u/anon41219820)\ **Post date:** [22 November 2018 16:35 UTC](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861/60 "2018-11-22T16:35:17Z")
> [@TonyHoyle](#): > > I presume the system Monzo use predates that change, as it takes them a while even after they’ve got the cheque. > [@anon41219820](#): > > Cheques are usually processed on the day we receive them and are bulk scanned through a fancy machine and noted as received on your account. They then go off to NatWest that day who start the process of clearing them. We then download a file daily from them and mark cheques that have cleared/bounced as such on your account. 🙂 [Previous page](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861.md?page=2) [Next page](https://community.monzo.com/t/cheque-processing-a-bit-slow/46861.md?page=4)