Deposit cash and cheques into your Tide account

There's a simple way to deposit your cash and cheques into your Tide account.

Follow this guide to learn how to deposit:

Your cash via Post Office

Your cash via PayPoint

Your cheques.

Deposit your cash

You can deposit cash into your account at any Post Office or PayPoint location.

Processing your Post Office deposit

Post Office deposits made on weekdays are usually processed within a few minutes. Deposits made late in the day, on a weekend or Bank Holiday, can arrive in your account on the next business day.

Amounts you can deposit

You can’t deposit more than:

£25,000 per single deposit

£25,000 per month

£300,000 per year into your Tide account.

You can make multiple deposits, but the combined amount can’t be above any of the listed limits. The Post Office have their own limits, and above amounts may vary from branch to branch.

Post Office fees

The fee is:

£2.50 for deposits of up to £500

0.99% (of the total) for deposits over £500, if you're on a Lite plan

0.5% (of the total) for deposits over £500, if you're on a Paid plan

All cash deposit fees are deducted automatically, at the time of processing. The amount you’ll receive in your account is your deposit, minus the fee.

Processing your PayPoint deposit

PayPoint deposits made on weekdays are usually processed within 10 minutes. Deposits made late in the day, on a weekend or Bank Holiday, can arrive in your account on the next business day.

Amounts you can deposit

The minimum amount you can deposit at a PayPoint is £10, and the maximum is £500 per day.

PayPoint fees

3% of the deposit amount

All cash deposit fees are deducted automatically, at the time of processing. The amount you’ll receive in your account is your deposit, minus the fee.

Deposit your cheques

Use your Tide app to deposit your cheques, tap:

Get paid > Deposit cash and cheques > Deposit cheques. If this is your first deposit, read and agree to the Terms & Conditions

Enter the amount and reference > tap Next

Hold your camera horizontally over the cheque, while the app captures the details

Review photo > Make sure that all details within the black-and-white image of your cheque are clearly visible (ie. the account number, sort code, signature, payee name, amount, and date). If any details are unclear, please retake the cheque images

Confirm that everything is correct > Submit the cheque deposit

Just a heads up – you can only deposit your cheques if your sort code is 04-06-05.

Taking your your cheque picture

When depositing your cheque, you’ll need to take two clear images of it – one of the front, and one of the back. Make sure:

There are no other documents, objects or shadows around the cheque

It lays flat on a dark, plain surface – preferably, it shouldn’t be on a wooden surface

You take the picture under good but not too bright light;

All 4 corners of the cheque are visible in the frame

Your cheque conditions

To deposit your cheque, it needs to be:

In GBP and from a UK bank

Made out to the same name as on your account*

In pristine condition

Dated in the last 6 months (check the date on the front)

Signed by the person making out the cheque

Payer's initials mark any amendments

❌ We can't process paper cheques, travellers cheques, bank giro credits, electronic vouchers, cheques deposited at the post office, or other non-standard cheques.

* If you're a Sole Trader, the cheque must be issued in your personal name. Cheques issued in your trading name won’t be accepted, unless you’ve verified that name. To do so, in your app, tap the Profile icon in the top-right > Profile & Settings > Business Details > Trading Name.

Learn more about your cheque deposit

Processing your cheque deposit

Your cheque will normally clear in 2 business days. On the back of the cheque itself, make a note of the date you deposited it. Keep the paper cheque for your records.

If you’ve enabled your in-app notifications, you’ll see a message to confirm the cheque payment. It will show as Cheque on your transactions timeline, and in your monthly statement.

Amounts you can deposit

You can deposit:

Up to 5 cheques per day

A maximum of £500 per cheque

A daily total limit of £2,500

These limits are subject to change.

Cheque deposit fees

Our cheque deposit fee is the same, no matter if you're on a Lite or a Paid Plan. We charge 70p to deposit a cheque, plus the standard transaction fee of 20p. The total charge will be 90p.*

If you're on a Paid Plan, keep in mind that the cheque deposit fee doesn't count towards your free transfers.

* Fees are automatically deducted. You’ll see the total amount of your cheque deposit on your timeline, and the deducted fee – in the transaction details.

Cheque deposit rejected?

If your check is rejected, we’ll send an email – to the address linked to your Tide account – to explain why, and give you the next steps.

Common some reasons why your cheque may be rejected is that it's:

Issued in a different name or an unverified trading name

Incomplete, unsigned, or contains mismatching information

Smudged, faded, folded, torn, or crinkled

Older than 6 months – contact the person writing the cheque to issue a replacement

If you still need our help, after you’ve received our email, tap Support in the app.