Mobile cheque deposits – paying in cheques by mobile phone

Sure, you can deposit cheques via freepost – but what if it’s raining outside? Soggy cheque, bad cheque. Good news: you can now deposit cheques of £1,000 or less via the Starling app. All it takes is a clear photo from you and we’ll handle the rest.

Benefits

Being able to deposit cheques directly from your mobile is:

  • Convenient.

    Postbox? Too far. Bank branch? Too archaic. In-app cheque depositing is the experience you deserve.

  • Fast.
    We’ll be able to process your cheque even faster than by post. Once accepted, it’ll take two working days for the funds to appear in your account.

  • Organised.
    If you ever want to see an old cheque, for accounting or nostalgic reasons, it’ll be right there in the app.

  • Transparent.
    As soon as the funds are in your account, we’ll send you a real-time alert.

How it works

When you’re ready to start photographing your cheques, just make sure you:

  • hold your phone above the cheque from a 90 degree angle

  • put the cheque on a dark background

  • capture all four corners of the cheque

  • avoid taking a photo that’s blurry or too dark

  • keep hold of the physical cheque until the money appears in your account

We’ve designed this feature to make paying in cheques simpler, but there are a few restrictions:

  • Value: in-app cheque deposits must be £1,000 or less.

  • Daily limit: personal, joint and sole trader accounts can upload up to £2,000 worth of cheques per day. For customers with business accounts, the limit is £5,000 a day.

One last thing to note: cheques deposited before 3pm on a working day will be available by 11:59pm the next working day, provided the cheque hasn’t bounced.

Check out our blog post on mobile cheque deposits.

A question mark in a circle

Need more information on cheque deposits?

Visit our help centre for a full range of frequently asked questions on virtual cards. It’s often the quickest way to get the answers you need – from within the app or online.

Visit our help centre

Apply for a Starling bank account today and enjoy app-based banking at its best.

Start your application
Help