Pay in cheques using our Business Mobile Banking App

Deposit cheques wherever you are

You can now deposit cheques into your business account using the ‘Deposit Cheque’ feature on our Business Mobile Banking App. It’s simple, secure and can save you time.

  • Straightforward – the app takes a photo of the cheque and ‘reads’ the details
  • Quick and convenient – you can do this from the office or on the move and the money should clear in just two working days
  • Secure – once accepted, the cheque is processed just like paying it in at a branch

Download our Business Mobile Banking App to use the Deposit Cheque feature.

The Lloyds Business Mobile app is available on the Apple App Store.Get the Lloyds Business Mobile app on Google Play.

Visit our Mobile Banking page for more information on the Lloyds Bank Business Mobile Banking App.

How to pay in cheques using our Business Mobile Banking app

select 'deposit cheque'

Step 1

In the Business Mobile Banking app select ‘More’ from the menu, then ‘Deposit cheque’.

select the account

Step 2

Select the account to pay the cheque into.

Enter the exact value

Step 3

Enter the exact value of the cheque. To keep track of where the money is from, or what it’s for, you can choose to add a reference.

Tap 'front of cheque'

Step 4

Tap ‘Front of cheque’ to take a photo.

allow access to your camera

Step 5

If asked, ‘allow’ access to your camera to take a photo by selecting ‘OK’.

place cheque face up

Step 6

Lay the cheque on a flat surface with a dark background. Hold the camera level and directly above. When a green border appears, hold still and the app will take the photo.

place cheque face down

Step 7

Tap ‘Back of cheque’. Repeat the process for the reverse of the cheque – even if it’s blank.

review the details

Step 8

Review the details and if correct simply tap ‘Confirm’.

cheque deposited

Step 9

That’s it, you’ve deposited your cheque. Tap view deposit history to see when the money will be available.

Some important things to bear in mind:

  • Once the cheque is accepted, mark the back of the cheque as 'deposited' until its status reads ‘Funds available’ in ‘Deposit History’ within the ‘Cheques’ section of the app. Then destroy the cheque(s) - tearing or shredding are good ways to do this securely.
  • There are limits to the amounts on individual cheques and the total value of cheques you can pay in each day - these will be clearly displayed in the app.
  • The ‘History’ tab is a good place to view cheques paid in previously.
  • If a cheque is rejected please do not try to pay it in with the app again - the reason for rejection will be shown in ‘History’, within the ‘Cheques’ section of the app.

Pay in a cheque – frequently asked questions

  • It’s a way to pay in cheques using your mobile device. The app uses your device camera to capture images of the cheque and ‘reads’ the details to pay the money into your account. It’s simple, convenient and secure – and can save you a trip to a branch.

  • Funds will normally be available in your account at the end of the next working day. So, if you deposit a cheque before 10pm on a normal weekday, that’s classed as the first working day. Your money will be available by the end of the following working day.

  • You can deposit most types of cheque accepted by UK banks and in pounds sterling. This includes UK Government Payable Orders, postal orders, banker’s drafts and Building Society cheques – but not traveller’s cheques, bank giro credits and various non-standard cheques. If we don’t accept a particular type of cheque, the app will tell you when you try to take the image.

For more FAQs, please visit our Virtual Assistant where you can ask a question and get an instant answer from our FAQs database.

We don’t charge you for the Mobile Banking app but any applicable account transaction charges will still apply. You should also check with your mobile operator as they may charge you for certain services such as downloading or using the app. You will need a smartphone running iOS or Android. The app is not compatible with some older versions of the operating systems – check the Apple App Store or Google Play for more details. Business Internet Banking registration required. Services may be affected by phone signal and functionality. Use of Mobile Banking is subject to our Business Internet Banking Terms and Conditions.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Telephone: 020 7626 1500

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.