Negative balances are a result of:
Make sure:
Balance adjustments due to chargebacks, disputes or banking recalls (i.e. if someone paid into your account by mistake and asked their bank to recall the payment)
Offline card transactions (i.e. purchases placed on a plane)
Pre-authorised card transactions (when you have enough money in your account at the moment you authorised a payment, but you spend that money before it’s actually cleared)
A refund reversal (when you have received a refund, but the merchant has reversed it after)
We’ll check your balance whenever we're authorising a card payment, but if you’re paying in a non-GBP currency, the cleared amount is subject to the latest exchange rate from Mastercard. If the cleared amount is higher, it’s possible for it to cause a negative balance.
There are no other documents, objects or shadows around the cheque
It lays flat on a dark, plain surface, under good but not too bright light; preferably, the cheque shouldn’t be placed on wooden surface
All 4 corners of the cheque must be visible in the frame
If this happens, just top up your account to resolve the negative balance.
In the app, tap: ‘Get paid’ > ‘Deposit cash and cheques’ > ‘Deposit cheques’. If this is your first deposit - read and agree to the Terms & Conditions.
Enter the amount and reference, and tap ‘Next’.
Hold your camera horizontally over the cheque while the app captures the details. At the ‘Review photo’ stage, you’ll see a black-and-white image of the cheque. Make sure that all details are clearly visible – including the account number, sort code, signature, payee name, amount, and date. If any details are unclear, please retake the cheque images.
Once you’ve confirmed that everything is correct, you can submit the cheque deposit.
When will I receive my cheque deposit?
Cheques will normally clear in 2 business days.
On the back of the cheque itself, make a note of the date you deposited it. Keep the paper cheque for your records.
If you’ve enabled your in-app notifications, you’ll see a message to confirm the cheque payment. It will show on your transactions timeline, and in your monthly statement - as ‘Cheque’.
