Which of these banks clear cheques the next working day?

nottsphil

I need the funds from this cheque ASAP but it's over £5000 so can't benefit from image deposit via an app. I know Nationwide can clear a cheque paid in over the counter the next working day, but I have current accounts with Bank of Scotland (via a Halifax branch), Lloyds, TSB and Co-op. I would have to travel to reach branches of the last two today though.
Thanks 

Rob5342

I'd use Lloyds, they let you pay in cheques up to £10,000 with the app. I paid a cheque in with the Halifax app and it cleared the next day, I'd imagine that Lloyds would be the same as Lloyds and Halifax are essentially the same just with different branding.

flaneurs_lobster

The single cheque limit at Lloyds via the app pay-in is £10,000

EDIT : not surprisingly, ditto at Halifax & BoS.

nottsphil

Rob5342 said:

I'd use Lloyds, they let you pay in cheques up to £10,000 with the app. I paid a cheque in with the Halifax app and it cleared the next day, I'd imagine that Lloyds would be the same as Lloyds and Halifax are essentially the same just with different branding.

Is there a cut-off time before which an app deposited cheque can be cleared the same day?

nottsphil

flaneurs_lobster said:

The single cheque limit at Lloyds via the app pay-in is £10,000

EDIT : not surprisingly, ditto at Halifax & BoS.

I still have Bank of Scotland current accounts as a legacy from when they paid high interest, so would I be able to pay in £20,000 split between two (I'm trying to get over £30,000 out of Santander because they won't let me do a transfer for even £25,000 to a new payee. I've only just got internet access restored after months but found that they have removed all my payees from every account).

flaneurs_lobster

Paying in £20k+? By cheque?

Think maybe I'd travel a bit to a branch of something or other just to make sure. 

ChirpyChicken

nottsphil said:

Rob5342 said:

I'd use Lloyds, they let you pay in cheques up to £10,000 with the app. I paid a cheque in with the Halifax app and it cleared the next day, I'd imagine that Lloyds would be the same as Lloyds and Halifax are essentially the same just with different branding.

Is there a cut-off time before which an app deposited cheque can be cleared the same day?

4pm I think 

nottsphil

flaneurs_lobster said:

Paying in £20k+? By cheque?

Think maybe I'd travel a bit to a branch of something or other just to make sure. 

Even if the cheque isn't physically sent to Santander then it could still get misplaced in the branch before processing, Shirley? I don't see how it could be done more safely or more proficiently in-branch.

flaneurs_lobster

nottsphil said:

flaneurs_lobster said:

Paying in £20k+? By cheque?

Think maybe I'd travel a bit to a branch of something or other just to make sure. 

Even if the cheque isn't physically sent to Santander then it could still get misplaced in the branch before processing, Shirley? I don't see how it could be done more safely or more proficiently in-branch.

True, but at least I'd have a counter receipt in my hands (and my face on the CCTV). 

I'm biased, I've got a branch of pretty much everything within a mile or so. Your journey may be more problematic.

Barkin

nottsphil said:

I need the funds from this cheque ASAP but it's over £5000 so can't benefit from image deposit via an app. I know Nationwide can clear a cheque paid in over the counter the next working day, but I have current accounts with Bank of Scotland (via a Halifax branch), Lloyds, TSB and Co-op. I would have to travel to reach branches of the last two today though.
Thanks 

I paid a cheque in using the Lloyds app yesterday (Sun 28th) around about the time that you were typing your post.

If my experience is representative, and if you'd done the same, your cheque would've been cleared by now.

nottsphil

Barkin said:

nottsphil said:

I need the funds from this cheque ASAP but it's over £5000 so can't benefit from image deposit via an app. I know Nationwide can clear a cheque paid in over the counter the next working day, but I have current accounts with Bank of Scotland (via a Halifax branch), Lloyds, TSB and Co-op. I would have to travel to reach branches of the last two today though.
Thanks 

I paid a cheque in using the Lloyds app yesterday (Sun 28th) around about the time that you were typing your post.

I hope you took more care inputing the figures then you did with that date 😊