How to deposit cheques into your Tide account

You can deposit your cheques directly into your app.

🔗 Deposit your cheque

🔗 Cheque deposit fees, limits and timeline

Your cheque should 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.

Deposit cheques into your app

If your sort code is 04-06-05 and your cheque meets the conditions above, you can deposit it directly into your app.

Deposit your cheque

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 and tap Next

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

Review photo and 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, retake the picture

Confirm that everything is correct and tap Submit the cheque deposit

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

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.

Cheque deposit limits, fees and timeline

Cheque deposit fees

Cheque deposits cost 70p, plus the standard transaction fee of 20p. The total charge will be 90p.

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.

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 and 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

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.