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Cheque [in sister's name] - how to cash it??
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BFG_2
Posts: 2,022 Forumite
Got an insurance cheque in my sisters [married] name, but she has emigrated and so she wants me to cash it for her and send it on to her.
Can I simply pay it into my own bank account, if she signs the back of it to authorise it over to me??
Can I get one of these 'cheque cashing' places to do it??
Can I simply pay it into my own bank account, if she signs the back of it to authorise it over to me??
Can I get one of these 'cheque cashing' places to do it??
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Comments
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no and no!,For everthing else there's mastercard.
For clampers there's Barclaycard.0 -
You will have to send it to your Sister and she would have to bank it. Can I ask how she could sign the back if shes abroad?:j I have a persecution complex. Everytime I pass a shoe shop they persecute me till I buy them:j0
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Own bank account - no. Virtually all cheques are account payee these days so they can't be endorsed.
Cheque cashing place - I doubt it. I am sure they require the payee's ID which you won't have. If you did, it doesn't relate to you so they still wouldn't do it.
Just send her the cheque to pay into her bank account wherever she is now. That's actually no different to her changing the personal cheque you would send her if you could get your hands on the money. Still going to be a foreign currency cheque on which she has to pay fees.0 -
Her bank wants to charge her a fortune for paying it in [coz it's a different currency], hence she wanted me to do it.
Once you bank that cheque, I assume you will want to send it to her? As other's have indicated there's still going to be a cost to transfer the money in a foreign currency. Plus, I'm speaking hypothetically, your only option is to post the cheque and get your sister to bank it.Anything I post is my opinion, so from time to time I may be wrong. I try to provide answers based in fact, however I don't know everything, so (like all posters on MSE), take what I say with a pinch of salt.0 -
Does she not have any accounts here? It is usually useful to keep one open0
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Err,......there's this new fangled thing called ........post!!!!!!!!!!!!!
Her bank wants to charge her a fortune for paying it in [coz it's a different currency], hence she wanted me to do it.
But when hypothetically you have the money YOU are going to have to send her a cheque which is going to be in that same 'foreign' currency, aren't you? So she's going to be charged a fortune for that instead.
Or is the insurance cheque in a foreign currency already? If so it's possible that it IS endorsable. It's then you who will be charged the fortune for changing it.
One or both of you lose every way.0 -
You could always phone the insurance company for some advice. Obviously they would not discuss your sister's business although if you explained up front that you realise they cannot discuss your sister's business but there is a problem with blah blah........ they might give you some general advice that you could pass onto your sister.0
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sindersoot wrote: »You could always phone the insurance company for some advice.".....where it is corrupt, purge it....."0
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There shouldn't be any problems with you depositing the cheque in to her account if she still has one in the UK. She could then use internet banking to send it anywhere.
I've deposited a cheque on behalf of a friend of mine obviously writing their name and account number on the deposit slip.0
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