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How do I pay cheques into my account?

To pay cheques into your account, just pop into any Post Office® branch. There are over 11,000 locations across the UK, so there should be one that’s handy for you.

Just take your cheque to the cashier and ask for a yellow thinkmoney paying in envelope. You shouldn't use the blue and white RBS envelopes available at the Post Office as this will add extra time for your cheque to clear.

If your local Post Office doesn't have any yellow thinkmoney envelopes available, we will send you some. Just mention this to a Money Manager next time you call.

On the outside of the envelope, you’ll need to write:

  • Your full name
  • Your phone number
  • Your thinkmoney account number
  • Your sort code

Pop the cheque(s) into the envelope and hand it back to the cashier for paying in. They’ll give you a receipt to say they have accepted the envelope.

The money can take up to 7 working days to clear, starting from the working day after you deposit the cheque. However, in most cases it'll clear in 5 working days. 

Based on your average working week (i.e. no Bank Holidays), your money should clear according to the following table. 

Today

Credit Account

Clearance Date

Monday

Tuesday

Monday

Tuesday

Wednesday

Tuesday

Wednesday

Thursday

Wednesday

Thursday

Friday

Thursday

Friday

Monday

Friday

You can also post a cheque to us at:

Think Money Ltd

PO BOX 255,

Rotherham

S98 1QR

It will take 7 working days for the funds to clear and be available in your account from the date the PO box receives the cheque.

Before you pay in your cheque...

Make sure it gets accepted first time by checking that it meets these guidelines. 

  • Cheques should be addressed to the exact name showing on your current account (e.g. John Brian Smith, Sarah Jones).
  • Full names should be used and not replaced with initials (e.g. ‘Mr J Smith’ would not be acceptable, the cheque would need to state ‘Mr John Smith’).
  • Joint cheques must be paid into a joint account (with the exact names matching the current account).
  • Cheques should be signed by the person writing it.
  • The date showing on the cheque must not be a future date.
  • International cheques cannot be cashed at the Post Office. Please send them directly to us to cash on your behalf.

If your cheque doesn't meet these guidelines, we recommend that you speak to the cheque issuer and arrange for a replacement cheque.

More information about cheques is available on the Cheque and Credit Clearing Company website.

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