Skip to main content

Cheque Clearing times

Paying in cheques with TSB

  • When you pay your cheque in via the TSB Mobile Banking App (before 8pm) your cheque will clear in 2 working days.
  • When you pay your cheque in at a TSB branch your cheque will clear in 2 working days.

So, if you pay a cheque in on a Monday, it will clear as shown below:

Where is the cheque paid in? When will it show in your account After you’ve paid it in, when will it earn interest or reduce the interest you’re paying? When can you use the money? When can your cheque be returned unpaid after you’ve paid it in?
TSB Branch and TSB Mobile App (before 8pm)  Monday Tuesday By 11:59pm on Tuesday Before 11.59pm on Tuesday
TSB Mobile Banking App (after 8pm) or weekends and Bank holidays Monday Wednesday By 11:59pm on Wednesday Before 11.59pm on Wednesday

 

If you pay in your cheque at a deposit cash machine or via the TSB Mobile Banking App outside of branch opening hours, it will take an extra day to clear.


Paying in cheques at a Post Office.

Cheques deposited at a Post Office will be added to your TSB account when we receive them from the Post Office, normally within two working days. That means if you pay a cheque into your account at a Post Office on a Monday (day zero), it should show on your account on the Wednesday (day 2 / second working day). You’d start earning interest on the Thursday (day 3 / third working day), and be able to take the money out by 11:59pm on that same day. It couldn’t be returned unpaid after 4pm on the Thursday.
 

When you write a TSB cheque.

We won’t be able to tell you how quickly the money will come out of your account, as we don’t know which bank your cheque will be paid into. So, you need to make sure when you write a cheque, that you have enough money in your account in case the bank the cheque is being paid into is working on two-day cheque clearing.

You’ll also need to bear this in mind if you’re writing a cheque to pay a bill. So, please allow enough time for your payment to be processed in case their bank is not working on two-day cheque clearing.

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Not all telephone banking services are available 24/7.

Together we can end domestic abuse.

Safe Spaces, UK Says No more, popup