Making Monzo: Cheque Imaging


Please share if you can!

(Neil M) #82

Even better I found the process

EDIT heres the contractual framework as well:

(Ben) #83

This is one area where monzo lags behind the high street banks.

HSBC have had this feature for ages, I am almost ashamed to have to post my Cheques, other friends and family can just take a picture and get the money the next day.

I have already gone full monzo, but this one feature no matter how infrequent I use it always frustrates me!

(Peter Shillito) #84

And, when the cheque arrives at Monzo, it takes an additonal week to process :rofl:

(Jamie 🏳️‍🌈) #85

That’s because the faster clearing times come from the cheque imaging process.

(Graham Pink) #86

Whilst I appreciate that many here do not use cheques, those of us that do look forward to being able to image process into our Monzo accounts. With a number of apps already offering the invaluable service, hopefully, it will not be too long before it is in place here :slight_smile:


I’m really looking forward to this… bring it on!

(Oliver) #88

Odd, because I recently used HSBC cheque imaging and it was easy and flawless. Took 1 minute to do and never had an issue (I kept the physical cheque until it had cleared to be safe)

Most legacy banks now have this feature, so Monzo needs to get it out soon imo, as a digital bank it shouldn’t be falling behind


I am genuinely shocked that cheques aren’t dead yet. Last cheque I got was about 2 years ago from DVLA for an unbelievable £0.31. Didn’t even bother cashing it.
I can’t say I think I’d ever use a cheque imaging service but I keep my fingers crossed for those of you out there who would - we don’t want legacy outdoing fintech now do we :stuck_out_tongue:

(Jamie 🏳️‍🌈) #90

Surely you’d cash a cheque for £0.31 if it was as simple as snapping it with your phone?

(Only available in amateur ) #91

Posted a cheque 11 days ago and haven’t had the notification it’s been received yet, are they being processed over the holidays?

(Jack) #92

There’s a delay due to holidays I’ve heard.
I posted one Boxing Day.

(Neil M) #93

I’m gonna wait til after New Year till I post mine… Do we think a spelling mistake will hold up the process as my cousin always forgets how to spell my name… :rofl::joy:


I posted a cheque in mid November which hasn’t been processed and Monzo can’t seem to find it. Looks like I’ll have to try and get it resent.

Cheque imaging can’t come fast enough!

(Louis Cox) #95


I’m Louis and I work in the Payments team.

Earlier this summer we shared our plans to help you pay in cheques just by taking a picture. To bring you this feature we need to join a new payment scheme called the Image Clearing System. In June, we said we were working towards offering it at the start of 2019, but we have had to push this back to August.


We prioritise projects that will have the biggest impact on our customers. So for the past few months, we’ve been working hard on things that will bring brand new functionality, like joining SEPA to enable direct inbound euro payments. We’ve also been making our payments platform more robust, so we’re ready to grow!

When you join a new scheme, you’re given a few ‘go-live’ dates to choose from. This helps coordinate all the technical work and the testing.

We were aiming for a date in February, but because we’ve focussed on other things we’ve decided to pick a later date instead. The next one available is in August 2019, and we’re working towards that now. And because we have a bit more time, we’ll be able to build something even better.

Sorry we won’t be bringing this to you sooner, and please let me know if you have any questions!

Our plans to help you pay in cheques, just by taking a picture
Our plans to help you pay in cheques, just by taking a picture
(Liam) #96

Cool. 🤷 Seems like a good call for the right reasons. :smile:

(Peter Shillito) #97

Well, since Christmas is typically when I receive cheques, August is fine as I’ve already deposited this year’s cheques :rofl:

(Michael) #98

I received one cheque last year, from Premium Bonds

Thought it would last six months, not three (I think theirs are not quite normal cheques) and so did not pay it in on time…

Rang them up and they’re all about bank payments now, so got it that way

Might not get any now before August, even if I win again!

(Jamie 🏳️‍🌈) #99

Good to have a definitive time–scale update. Maybe pin this somehow to the top of the thread for future queries?

Edit: Oh you have!


That’s a shame, but completely understandable. And another example of Monzo’s fantastic transparency - much better than “coming soon”.