Which banks accept in branch deposit by debit card from other bank?

friolento

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

I do.

It's a valued antiquity. 

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. Sometimes there's also an old fashioned Building Society which wants a cheque as an initial deposit for an interesting savings account.

Bridlington1

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

I've still got them for 6 of my active current accounts, plus 2 books of paying in slips. Whilst it isn't strictly necessary to have a chequebook, if dealing with small building societies having one can make life a bit easier. Although this seems to be getting rarer as time goes on, a few building societies want proof of your nominated bank account in the form of an original/certified bank statement or a cancelled cheque or paying in slip. I just can't be bothered to print off and get statements verified when I can just send a cancelled cheque instead. Plus as @friolento mentions some still prefer a cheque as an initial deposit for a savings account.

Rob5342

friolento said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 

I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.

wmb194

Rob5342 said:

friolento said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 

I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.

They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.

WillPS

wmb194 said:

Rob5342 said:

friolento said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 

I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.

They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.

I'm not sure the chimney sweep does any such thing.

To answer @Rob5342 question it's an easy way of avoiding carrying cash. They might only bank them all once a week, and that process could simply be sticking them in an envelope with a paying in slip and popping it in the post. Some business bank accounts don't charge for cheque deposit.

friolento

WillPS said:

wmb194 said:

Rob5342 said:

friolento said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 

I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.

They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.

I'm not sure the chimney sweep does any such thing.

To answer @Rob5342 question it's an easy way of avoiding carrying cash. They might only bank them all once a week, and that process could simply be sticking them in an envelope with a paying in slip and popping it in the post. Some business bank accounts don't charge for cheque deposit.

My chimney sweep says she pays the cheques in with her app. She wants to stick with cheques for the purposes of HMRC checks, and also she doesn’t have the trouble of checking that she actually got paid.

jbrassy

IanManc said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Presumably they're owned by the people who issued 150million cheques in 2022:

https://www.ukfinance.org.uk/system/files/2022-08/UKF Payment Markets Summary 2022.pdf

Down from 1.6bn in 2006 and expected to decline further. Those 150 million cheques account for 0.5% of all payments made in the UK. 

Zanderman

jbrassy said:

IanManc said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Presumably they're owned by the people who issued 150million cheques in 2022:

https://www.ukfinance.org.uk/system/files/2022-08/UKF Payment Markets Summary 2022.pdf

Down from 1.6bn in 2006 and expected to decline further. Those 150 million cheques account for 0.5% of all payments made in the UK. 

That's still a lot of people.
Cheques may be on the decline, but they still exist.
And are still used regularly by a lot of people.
Not by you I assume, from your comments, but other people's mileage may well be very different to yours.

Zanderman

Rob5342 said:

friolento said:

jbrassy said:

grumbler said:

Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.

Who owns a cheque book these days?

Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 

I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.

It's not necessarily a hassle.
If you ask for a cheque you only need to give the payer your name, not your account details.
A name that the client/friend/whatever probably knows already.
That's arguably less hassle.

And you can pay in by app for most accounts these days, so there's no trip to the bank, or several days of clearing time either.

And you can pay the cheque into any of your accounts - so you can decide later where the money is going, you're not limited to the account details you gave the payer once.

Cheques are, actually, very flexible payments. It's just that some (especially here on MSE!) see them as antiquated and like to dismiss them as such.

Rob5342

Once it's in one account you can transfer it easily to anywhere though, and you only have to put your account details at the bottom of your invoice. Ticking things off when you see the payment must be a lot easier than tracking a load of cheques to see if they've cleared our not.