How to pay in a cheque using our mobile app

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in specific countries (opens in a new window).

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What has changed? Open in new window

Pay in a cheque with the app Open in new window

Frequently asked questions Open in new window

Download the app Open in new window

Pay in a cheque without visiting a branch

You can now pay in your cheques using our mobile app. The app uses your device camera to capture an image of the cheque and 'reads' the details to pay the money into your account.

It's simple, convenient and secure, saving you a trip to your local branch. Limits apply.

How to pay in a cheque with the app

You can pay in up to £5,000 in total each day using the mobile app. We've put together a step-by-step guide to help you.

What you'll need

The latest version of the NatWest International app. If you don't have the app yet you can download the app now.
Your cheque(s) of up to £5,000 in total per day (£1,000 per cheque).

Your step-by-step guide

Login to the mobile app.
Select the account that you want to deposit the cheque into.
Select the ‘Deposit a cheque’ option.
Under ‘Cheque amount’, enter the amount of the cheque and select ‘Continue’.
Select ‘Take photo of your cheque’ and allow access to your camera.
Follow the steps on-screen to capture images of both the front and back of the cheque (even if the back is blank) against a dark background.
On the summary screen, review the details to check they have been captured correctly and select ‘Deposit now’.

When you submit a cheque on a bank holiday, we won't process it until the next working day. So if Monday is a bank holiday and you submit your cheque, you won't see the money available until Wednesday.

Frequently asked questions

What cheques can I deposit?

You can deposit most types of cheques as long as they are in pounds sterling. This includes UK Government Payable Orders, postal orders, bankers' drafts and Building Society cheques however not travellers' cheques, bank giro credits and various non-standard cheques.

If we don't accept a particular type of cheque, the app won't accept the cheque and you will be directed to take the cheque to a branch.

Are there any charges for using mobile cheque deposit?

This is a free service for personal customers however data rate charges may apply which might be charged by the mobile network provider if you are using your device whilst not connected to a Wi-Fi network.

For Business Banking customers, if you pay for depositing cheques, your usual cheque tariff will be applied for each deposit. You will not be charged a credit fee.

How do I know when the money has been paid in?

Each cheque deposited using the app in the past 99 days is listed in the Deposit History tab at the top right of the ‘Deposit a cheque’ screen. This shows you the cheque details including images.

To check the status of cheques deposited via the app, please click on the account the cheque was deposited to and click ‘My Transactions’ where your detailed balance information is displayed. Any cheques not yet cleared will be shown as a pending transaction. If there are any issues with cheques you've paid in, we’ll contact you.

Please retain the cheque until the money is available in your account.

How long should I keep cheques that I've paid in using my app?

You should write ‘paid in’ on the back of the cheque and keep it for at least 7 days in case we need to contact you about it.

Please retain the cheque until the money is available in your account.

How will I know if there's a problem with the cheque?

If there are any problems with the cheque you've paid in, we'll contact you using the most recent postal address you’ve given us. You can check the address we hold for you in the Profile section of your app. The first line of your address is shown in Manage my personal details.

Please retain the cheque until the money is available in your account.

When will the money be in my account?

The funds should be available to you within 2 working days, as long as you submit your cheque before 6pm. If you submit your cheque before 6pm on a Tuesday, for example, the funds should be available to you on Wednesday. If you submit your cheque after 6pm on Tuesday, the funds should be available on Thursday.

If the cheque is submitted after 6pm it will be processed the next working day which means that funds will be available 2 days after submission.

We do not process payments over weekends or bank holidays, so if you submit cheques after 6pm on Friday or over the weekend, funds should become available to you on Tuesday.

Want to know more?

Further details of the ‘Deposit a cheque’ feature are available on our Support Centre including how to take an image of your cheque and potential error messages you could receive.

More about depositing a cheque with the app Open in new window

Download the app

Downloading the NatWest International app couldn't be easier, follow these three simple steps below.

On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android
Search for ’NatWest International’
Tap to download the app

Find out more about the mobile app