Yeah I might just order one of those to kill two birds. Its free after all.
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It’s rare that I get a Cheque, but when I do, I pay it into my First Direct account - as they now support this feature before Monzo does :-/
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Could be wrong but don’t think monzo will be doing cheque imaging anytime soon.
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OK. Not sure why you’re replying to me? I was just explaining how it is. You’ve just explained exactly why it’s not worth doing though.
I love that you got Monzo to close it for you! A brilliant bit of lateral thinking 
Does Starling have a limit on the amount of the cheque? I tried to use my legacy Lloyds account and their app but they have a 1000GBP limit
Yes, £500
Lloyds group banks have the highest limit of all banks
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Barclays do 4 cheques a week, up to £1k each. What’s the Lloyds limit?
£1k per cheque, up to £2k per day
I don’t use Lloyds myself but am assuming its the same as for Halifax, which is described here - Halifax UK | Cheque Deposit FAQs | Online Services
Barclays, plus all the Lloyds brands (including Halifax and Bank of Scotland) seem to have set the limit at £1,000 per cheque.
Starling have a £500 limit per cheque as others have said.
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I am confused how Monzo manages to launch in USA without cheque imaging functionality.
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Cheque imaging, much like the personal web banking, is not going to happen anytime soon
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Monzo hasn’t really launched in the States, though. It’s s limited, invite only, beta for the time being. I think/hope that when they launch properly there will be “check” functionality as the regressive American system seems to need it.
That said, if Monzo US gets cheque imaging, then that doesn’t mean the UK will. Taking a photo in-app is technically straightforward: it’s the cost of becoming a member of the UK scheme, and regulation, legal work etc that comes with it that would likely be the blocker.
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As an existing example, Santander has it for US customers but not UK customers
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I don’t think either ever will.
The longer it goes, the less either are needed. By the time Monzo get around to a full web experience, other banks will be going mobile only. Virgin are shutting theirs soon and going mobile only.
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A few years back, when I suggested that Monzo UK could get cheque imaging if it arrived in the USA, @simonb stated:
I also wonder whether the delay on Monzo UK getting cheque imaging could also be because Monzo’s correspondent bank (Natwest), who deals with cheque depositing for Monzo, doesn’t do cheque imaging for retail customers and is just now trialing it for business customers.
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Didn’t know they were doing this, I haven’t had any communication on this
I suppose, put another way, the actual scanning / in-app changes are relatively trivial. It’s the backend that’s the tricky bit - and it’s really more critical for the States than for the UK.
My instinct is that correspondent banks are a thing of the past with consumer cheque imaging. Indeed, I’m not sure that a third party processing retail cheque imaging is even possible.
Perhaps more interestingly, the whole cheque clearing system was overhauled as part of cheque imaging. The retail (scan in the app) side we see is just the tip of the iceberg. If I remember correctly (and I am a bit hazy here) - and what I think the sticker might be for Monzo - participating banks needs to buy into the Cheque and Finance Clearing Company. And by buy in I mean literally: it’s a company co owned by participating banks, so up front capital expenditure is required (I think).
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I think they’ve done it with their credit cards but I didn’t know they were doing it with anything else.
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