How do I deposit a cheque?

You’ll need to take two clear images of the cheque - one of the front, and one of the back. Payment Links. Previously, a Payment Link could only be settled using a bank card – now, your customers have two options to make a payment:

1. With their debit or credit card (also via a digital wallet)

2. By a bank transfer, directly from their banking app 

Make sure:

Whenever your customer wants to pay you with ‘Pay by bank’, we’ll ask them to agree to separate Tide Terms & Conditions. If your customer accepts the Terms & Conditions, they’ll be taken to their UK bank account to authorise the payment.

• 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

When you’re ready to make the deposit:  

Do any limits apply to ‘Pay by bank’? 

• 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. How do I refund payments made with ‘Pay by bank’?

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’. custom date range statement, with an end date of up to 3 days ago.