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 should clear in just two 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.
Visit our Mobile Banking page for more information on the Lloyds Bank Business Mobile Banking App.
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.
In the Business Mobile Banking app select ‘More’ from the menu, then ‘Deposit cheque’.
Select the account to pay the cheque into.
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' to take a photo.
If asked, ‘allow’ access to your camera to take a photo by selecting 'OK'.
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.
Tap 'Back of cheque'. Repeat the process for the reverse of the cheque – even if it’s blank.
Review the detail and if correct simply tap 'Confirm'.
That's it, you’ve deposited your cheque. Tap view deposit history to see when the money will be available.
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 travellers 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.
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
BB - Serves customers with a turnover of less than £3 million
SME - Serves customers with a turnover between £3 million and £25 million
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.
Please note that any data sent via e-mail is not secure and could be read by others.
Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
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.
Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.
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