![]() Many banks refuse to accept cheques that are more than six months old from the date provided (Source: NatWest) If you accidentally write November 1, 2020, as 11-01-2020, the paper cheque would be more than six months old and therefore considered out of date. In the UK, the day always comes first, so be sure to double-check – especially if you’re from a country like the USA where it would be written differently. Usually, you’ll fill in the date on which you wrote the cheque on the top right corner, and it must be written in day-month-year format. Sources: Tesco Bank, Nationwide, RTN-One, Barclays 1. The only real difference is the bank’s logo and where they put their address and information. Although this isn’t for any particular bank, almost every normal cheque will look the same way.įor example, Barclays, Tesco Bank, and Santander cheques look the same. But, first, take a look at the image below:Īs you can see, this is a sample generic UK cheque that includes examples of how each section should be filled. So, let’s go over the steps of writing a cheque, so you get it right 100% of the time. Worse still, banks can charge fees to people who write bad cheques, or if a cheque “bounces” (meaning it gets returned, unpaid, to the sender’s bank). If the information on a personal cheque is not accurate, the cheque will be useless and you’ll have to write another one, which can delay your payment for days. What Happens if I Write a Cheque Incorrectly? Unfortunately, cheques are one of the most error-sensitive ways of banking. Some people just write what they think should go on a paper cheque, and think the bank will interpret anything that is unclear. This article will cover each of these and detail how to find the correct placements – including common errors that could make your paper cheque invalid! In the UK, the DVLA seem to still be keen on them – and that’s when I had to refresh my memory, and did all the research here. For example, many older people still use regular cheques, and cheques are a great way to make a surprise purchase as the transaction doesn’t show up right away on an online statement. There are plenty of reasons one may need to write a paper cheque. With that in mind, it’s no wonder that people don’t know how to write a cheque correctly. Since cheques are slowly being phased out, many people are unaware of filling in a blank cheque the right way.īefore you feel a bit silly about not knowing how to write a paper cheque (or forgetting if its been years), bear in mind that most large banks in the UK no longer give cheque books out as a standard practice, and fewer will automatically replace them when the time comes. Get it wrong, and your paper cheque might bounce. Though some cheques may have slightly different designs, they all need the same key pieces of information. Please remember, this doesn't affect any Direct Debit arrangements as these aren't part of the COP service.Writing a cheque is universal no matter where you bank. If this applies to your account, please make those who are paying you aware of this to prevent any 'no match' results in the COP check. There are a small number of individual and joint accounts where customers have been given the corporate sort code of 40 51 62, which is fine to use for cheque/counter services, however when the COP service is checking CHAPS and Faster Payments, it will look for the 60 95 34 sort code. ![]() To make sure that other financial institutions can check customer account details through the Confirmation of Payee (COP) service, we now identify our individual and joint accounts using the sort code 60 95 34 and 40 51 62 for our corporate accounts. They can be found on cheque books, paying in books, in ‘Accounts and Transactions’ in Corporate and Individual online banking (you’ll find this under ‘Quick links’ when you log on ) and under ‘Account Information’ on our mobile banking apps. When you open an account with us, it will be clear which sort code applies to you.
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