5/17/2023 0 Comments Voided chequebookThere are other instances in which cheques can expire. Source: Twitter: HMRC, Tremark Associates So, if you can’t find clear answers from your bank on its acceptance of cheque policy, and the cheque itself doesn’t indicate a date of expiration, you could be entitled to an extended period to deposit the cheque, and without worrying about a cutoff point. However, according to Mark Hodgson from Tremark Associates, if the cheques don’t have precise dates indicated on them, they may be valid for up to 6 years, instead of 6 months. This can often be a tedious and lengthy process, and means you’ll have to wait longer to get your payment. If you don’t deposit the cheque before the indicated date, you won’t forfeit the funds, but you’ll have to contact the agency and request the cheque to be reissued. Cheques can also expire if the payer or bank puts a stop to them.įor example, if you receive a cheque from HMRC, such as a tax return payment, the cheque will usually have an expiration date listed on the front. Depending on the issuer, some cheques can have an expiration date printed directly on the cheque. ![]() Source: Money Saving Expert, Cheque and Credit Do Cheques Ever Expire in the UK?Ĭheques don’t necessarily expire in the UK, but they may only remain valid for a specified period. If you aren’t able to deposit it at one bank branch, try another. ![]() If you opt to go to the bank directly, you could also get lucky with the bank teller scanning over the date and agreeing to deposit it anyway. This may enable you to deposit an outdated cheque if the date on the cheque goes unnoticed through the online system. This method isn’t guaranteed, but it could be an easy way to deposit your cheque, especially if it’s only out of date by only a few days or months.īut if you have a cheque that’s out-of-date by several years, you may need to consult with the issuer and request an updated cheque.Īnother method is to use your bank’s cheque imaging services, which allow you to digitally deposit your cheque, instead of having to go directly to the bank. Going this route allows the cheques to be checked digitally, thus, a greater chance that the date on the cheque may be overlooked. While most UK banks have these limitations, there may be times when you’re able to cash a cheque beyond the 6 or 12-month period.Īccording to a forum on Money Saving Expert, some people found success in depositing their out-of-date cheques in the ATM instead of through the bank teller. Source: Natwest, Royal Bank of Scotland, Lloyds Bank, Twitter: Santander UK, TSBĪlthough the vast majority of banks set their limit to 6 months, Santander has a much longer period of 12 months, meaning you have up to a year to cash a cheque before the bank can refuse your request. Here’s a quick look at some of the UK’s biggest banks and the timeframe for which they’ll accept paper cheques: Bank If you’re attempting to deposit a cheque older than 6 months, the banks reserve the right to refuse your request based on their discretionary period. Many bank cheques in the UK remain valid for 6 months. However, banks are at liberty to set the timeframe for which they’ll accept paper cheques, and most UK banks tend to impose a limit of 6 months. There is no legislation dictating the validity of cheques in the UK. ![]() How Long Are Bank Cheques Valid for in the UK? Do Cheque Books or Blank Cheques Expire?.How Long Are Bank Cheques Valid for in the UK?.
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