Paying in cheques

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Online Banking available to customers aged 11+ with a NatWest account.

How do I pay a cheque in online?

Unfortunately, you can’t currently pay a cheque in online on either the NatWest app or with Online Banking. You can still pay your cheque into a branch.

We do have lots of alternative ways to send and receive money online. Find out how you can make a payment and pay someone new digitally too. Criteria applies.

Find out how to make a payment

Select your preferred way of doing it

What you'll need

Your card that you want the money to be deposited into
The cheque that you wish to pay in

01

Visit your nearest branch, you’ll find our current opening hours using our branch locator.
02

Visit your nearest Post Office, where you can deposit cheques and cash into your account. You’ll need a paying in slip, which you’ll find either in your paying in book, or at the back of your cheque book.

Common questions

How long does it take for a cheque to clear in my account?

You'll normally need to wait four working days after paying a cheque in for it to clear, so if you pay a cheque in on Monday it will usually clear by Friday. However, it's best to wait five working days. This is because a cheque can sometimes be returned 'unpaid' usually because the person who wrote the cheque doesn't have enough money in their account.

I've posted a cheque. Can you confirm that it has been received?

All cheques accompanied with a paying in slip are processed within five working days of receipt (except for foreign cheques, which may take up to 12 weeks).

If the cheque is not processed, this suggests we haven’t received the cheque. You should contact the originator of the cheque to ask them to cancel and issue a new one or seek an alternative payment method.

Please note there could be delivery delays with Royal Mail.

How do I order a cheque book or paying-in book using Online Banking?

To order a cheque book or a paying-in book:

Log in to your Online Banking service
Select 'Payments and transfers' from the left hand menu
Under the 'Credit/cheque books' heading select either 'Order cheque book' or 'Order paying-in book'
Choose which of your accounts you wish to order against and click 'Next'
Click 'Confirm' to place your order

Please note: To order a cheque book or paying-in book online you must have previously ordered one for that account through telephone banking.

If the account you are trying to order a cheque book or paying-in book for is not listed, then your cheque/paying-in book preferences have not been recorded for that account and you will need to contact us to place your order.

You can also order a replacement cheque or credit book using Webchat, Mobile Banking (via Secure messaging), in Branch or at one of our ATMs.