cashing a cheque at a bank

digalumps

wmb194 said:

digalumps said:

Normally cheques are 'crossed' -  this involves drawing two parallel lines on it although in fact the lines are printed these days

this means the cheque must be paid into a bank account

An uncrossed cheque can be cashed at the bank but you would have to make your own i.e. write it out on a blank piece of paper and not cross it. Although perfectly legal, good luck getting it cashed!

Not true, the last time I did it was about twenty years ago but I used to regularly write out crossed cheques to cash at Natwest and Lloyds and the cashiers would hand over the money. Of course for larger amounts they would ask for ID, compare the signature to their records and so on.

Actually it is true which is why i took the trouble to post it.

"Adding a crossing to a cheque increases its security in that it cannot be cashed at a bank counter but must be paid into an account in exactly the same name as that which appears on the ‘payee’ line of the cheque (i.e. the person who has received the cheque, who is legally the “payee” and “holder” of the cheque)."

https://www.chequeandcredit.co.uk/information-hub/faqs/crossed-cheques

wmb194

digalumps said:

wmb194 said:

digalumps said:

Normally cheques are 'crossed' -  this involves drawing two parallel lines on it although in fact the lines are printed these days

this means the cheque must be paid into a bank account

An uncrossed cheque can be cashed at the bank but you would have to make your own i.e. write it out on a blank piece of paper and not cross it. Although perfectly legal, good luck getting it cashed!

Not true, the last time I did it was about twenty years ago but I used to regularly write out crossed cheques to cash at Natwest and Lloyds and the cashiers would hand over the money. Of course for larger amounts they would ask for ID, compare the signature to their records and so on.

Actually it is true which is why i took the trouble to post it.

"Adding a crossing to a cheque increases its security in that it cannot be cashed at a bank counter but must be paid into an account in exactly the same name as that which appears on the ‘payee’ line of the cheque (i.e. the person who has received the cheque, who is legally the “payee” and “holder” of the cheque)."

https://www.chequeandcredit.co.uk/information-hub/faqs/crossed-cheques

When you're standing at the counter and it's your cheque written to cash it always worked, and cheques have had pre-printed crosses on them since about the late sixties. If the cheque written to cash was below the bank's counter limit it would no doubt work for other people's cheques written to cash, too. Edit: This is probably the charity's experience for small amounts and so why it suggests it.

molerat

EarthBoy said:

TempUsername03052020 said:

OP just so you are aware some banks allow you to cash in a cheque through the banking app which will mean you do not need to go in branch. You just take a pic through the app of the front and back of the cheque. The banks I know who allow this are

-Halifax

-Barclays

-HSBC

-Santander

-Starling

-RBS / Natwest

- Nationwide

- Lloyds

You can't pay in cheques on the Nationwide app.

Or Santander

Murmansk

Possibly a bit off-topic but related - if you have a Starling account they'll provide you with a special card you can give to those who do your shopping which they can use to pay for your shopping, it has a max balance of £200
https://www.starlingbank.com/features/connected-shopping-card/

General_Grant

Murmansk said:

Possibly a bit off-topic but related - if you have a Starling account they'll provide you with a special card you can give to those who do your shopping which they can use to pay for your shopping, it has a max balance of £200
https://www.starlingbank.com/features/connected-shopping-card/

I have questioned the charity about its current advice.  My email has been acknowledged but a substantive reply will take some time.  They could add information about the card you mention (and others which I think other institutions/supermarkets have also established).

jonesMUFCforever

Murmansk said:

Possibly a bit off-topic but related - if you have a Starling account they'll provide you with a special card you can give to those who do your shopping which they can use to pay for your shopping, it has a max balance of £200
https://www.starlingbank.com/features/connected-shopping-card/

What you have suggested seems a great idea - However how many elderly people will have Starling accounts?

badger09

jonesMUFCforever said:

Murmansk said:

Possibly a bit off-topic but related - if you have a Starling account they'll provide you with a special card you can give to those who do your shopping which they can use to pay for your shopping, it has a max balance of £200
https://www.starlingbank.com/features/connected-shopping-card/

What you have suggested seems a great idea - However how many elderly people will have Starling accounts?

Some do. Some 'elderly people' are able & willing to use modern technology

jonesMUFCforever

badger09 said:

jonesMUFCforever said:

Murmansk said:

Possibly a bit off-topic but related - if you have a Starling account they'll provide you with a special card you can give to those who do your shopping which they can use to pay for your shopping, it has a max balance of £200
https://www.starlingbank.com/features/connected-shopping-card/

What you have suggested seems a great idea - However how many elderly people will have Starling accounts?

Some do. Some 'elderly people' are able & willing to use modern technology

IMO the vast majority won't and will not.