Mobile cheque deposits – paying in cheques by mobile phone
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.

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