Pay in cheques with our Mobile Banking app

How to deposit cheques using your phone or tablet.

It's simple, quick and secure

  • The app takes a photo of the cheque and 'reads' the details.
  • The money is usually available the next working day.
  • It saves you a trip to the branch.
  • Once accepted, the cheque is processed just like paying it in at a branch.
Image of a mobile device taking a picture of a cheque

To pay in a cheque in the app

1. Pick an account

Select the three dots on the account tile for the account you want to deposit the cheque.

2. Choose the deposit cheque option

Then select ‘Deposit cheque & view deposit history.’

3. Enter the amount of the cheque

Enter the exact value of the cheque. Add a reference - if you want - to remind you who the money is from or what it's for.

4. Select 'Front of cheque'

Select 'Front of cheque' to scan the cheque.

5. Allow access to your camera

If asked, 'allow' access to your camera to scan the image.

6. Lay your cheque face up on a flat surface

Lay the cheque on a flat surface with a dark background. Hold camera level and directly above. When a green border appears around the cheque, hold still for a moment. The app will then scan the cheque.

7. Select 'Back of cheque'

Repeat the process for the reverse of the cheque - even if it's blank.

8. Select 'Review your deposit'

Review the details and then confirm the deposit.

9. Done!

That’s it, you’ve deposited your cheque. Select the deposit History tab to see when the money will be available.

Frequently asked questions

  • It’s a way to pay in cheques using your mobile or tablet device using our Mobile Banking app. The app uses your device's camera to take a photo of the cheque. Then it ‘reads’ the details to pay the money into your account.

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

  • Yes. There is a limit for each individual cheque of £3,000, with a maximum daily limit of £5,000 per day. These limits are shown in the app when you enter the amount written on the cheque. There’s no limit to the number of cheques you can pay in up to the daily total. Some types of cheque may only be deposited in branch.

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

  • You can see all the cheques you've paid in using cheque imaging over the past 99 days using the app's ‘Deposit History’ tab. Just follow steps one and two above to get you to the right place. ‘Funds available’ means the money is in your account and available for you to use.

  • Once the cheque is accepted by the app, mark the back of the cheque as 'deposited' and keep it in a safe place until its status reads ‘Funds available’ in the ‘Deposit History’ tab. Then destroy the cheque - tearing or shredding are good ways to do this securely.

    If we need to see the original, we’ll write to let you know. We may ask you to bring the cheque into branch. This helps us keep on top of fraudsters’ tricks as well as making sure payments are processed properly.

  • If a cheque in ‘Deposit History’ says ‘Rejected’, we were unable to process the payment. Don’t try to deposit it again with the app. The reason for rejection will shown in the app, and we’ll also write to you to confirm this reason.

More payments help

You can make many types of payment on your phone or in your internet browser.

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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.