cheque cashing without bank account - advice?

most_haunted

Hello

Any advice, I have to cash a cheque with either a pawnbroker, or a slightly nicer high street cheque casher. Any advice where to go, or not to go, and how much fee do they take? Am scared of losing money.

Regards to you all,

most haunted

ukdickie31

Well, i don't know exact figures, but some on the High Street near my work seem to charge 4%.

Why don't you get a bank account ?

To use the cash - a - cheque places, you normally need ID. The same ID as you would need for a basic bank account ......... Think about it !

seven-day-weekend

You can open a Post Office account and pay your cheque into that.

most_haunted

Thanks for that, I totally agree! However, it's not for me, it's for a client at work, who refuses to get an account, he's lost money through not cashing cheques before, am working on the account thing with him tho'

crispqueen

Hi - just stumbled on your thread- if hes interested in an account and his past credit history isnt great , tell him the Co-operative took me on (and I`m a financial mess- or was)Vee

mcdonaldsandstressed

got a new one for you!!!!

my dad wants to cash a cheque in his name but he doesn't have a bank account and was wondering is their anyway he can cash it into my mum's account?

not sure why he doesn't have a bank account but do know his finances are a utter mess.

Mark7799

no - he will need to go back to whoever gave him the cheque and ask for a new cheque made payable to your mother (assuming the people who gave him the cheque are happy to do this)

natalie.g28

hey,
i was wonderign if anybody nw how i could cash a cheque without having a bank aco!!!!?
i have receieved a cheque frm envirophone and i cannot cahs it as i dont have a bank account any ideas?
i have also registered with post office but im nto sure how to cash a cheue using that.

JuicyJesus

natalie.g28 wrote: »

hey,
i was wonderign if anybody nw how i could cash a cheque without having a bank aco!!!!?
i have receieved a cheque frm envirophone and i cannot cahs it as i dont have a bank account any ideas?
i have also registered with post office but im nto sure how to cash a cheue using that.

Open a bank account. You can do so for free. NatWest can open you one online, Co-op over the phone, the others in branch.

DavidHayton

natalie.g28 wrote: »

hey,
i was wonderign if anybody nw how i could cash a cheque without having a bank aco!!!!?

Simplest way is to open a bank account, as others have already said on this thread. Doesn't need to be a full-service current account. Almost any savings account will do.

Walk into your nearest bank or building society and ask about an instant access savings account. All you will need is proof of ID and address and they will open the account with your cheque.

The money will be yours to withdraw within a couple of weeks. If you are lucky they may pay you 0.1% on the money in the meantime.

Best wishes
David

ironlady2022

seven-day-weekend wrote: »

You can open a Post Office account and pay your cheque into that.

Cheques cannot be paid into post office accounts. The account only allows for government benefits to go in.