Information relating to sterling cheques issued in the UK

On the 30 October 2017 a new “Next Business Day cheque clearing cycle” was introduced for all banks in the UK, running alongside the existing “6 Business Days cheque clearing cycle”. The clearing cycle used depends on which bank a cheque is deposited with, and by the method of deposit.
From 30 October 2017, until the 6 Business Day clearing cycle is removed, both clearing cycles will be in operation. You should anticipate money from cheques you write leaving your account on the next Business Day; and money being cleared from cheques you deposit within 6 Business Days.

You should always ensure you have sufficient funds in your account prior to issuing a cheque.

This is how the current cheque clearing cycle works for a Sterling cheque paid into a Sterling account on a Tuesday morning:


Cheque clearing cycle


*Subject to post payment fraud measures.

More information about how the cheque clearing cycle works across UK banks can be found on the Cheque and Credit Clearing Company website:

These timescales are industry guidelines. Interest calculations and the availability of funds may be earlier in certain circumstances.

Cheques paid in at a branch after 17:00 on a Business Day or any day which is not a Business Day may not begin to be processed until the next Business Day. Some branches have an earlier cut-off than 17:00. A notice will be displayed in such branches which will specify the earlier cut-off time. Cheques paid in via alternate methods than a branch will have different cut-off times. Please refer to the specific Terms and Conditions for that method of deposit for more details.

While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by Bank of Scotland for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances.  Specific advice should always be sought in each instance.