How do I pay cheques into my account?

To pay cheques into your account you can pop into any Post Office branch or post them to us. The Post Office has 11,000 locations across the UK, so there should be one that’s convenient for you.

How do I pay in cheques at the Post Office?

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.

We can post some paying in envelopes to you if your local Post Office doesn't have any. Call us on 0161 779 5000 to request some.

Write the following information on the front of your envelope:

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

Put the cheque into the envelope and hand it back to the cashier. You’ll get a receipt for the envelope.

How long do cheques take to clear?

The money can take up to four working days to clear, starting from the first working day after you deposit the cheque. In some cases, cheques will clear by 23.59 on the next working day.

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

TodayCredit AccountClearance Date
MondayTuesdayFriday
TuesdayWednesdayMonday
WednesdayThursdayTuesday
ThursdayFridayWednesday
FridayMondayThursday

Can I post you cheques?

Yes, you can post cheques to us at:

Think Money Ltd PO BOX 255, Rotherham S98 1QR

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

How do I pay in international cheques?

Please send international cheques straight to us. You can’t pay them in at the Post Office.

The clearing timescales for international cheques depend on the payer’s bank, regardless of whether the cheque was paid in pounds or another currency. The funds should be available to use within 60-90 days.

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.

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

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