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Can My Friend Pay His Cheque into My Account?

By: Jennifer Lowe - Updated: 9 Nov 2017 | comments*Discuss
 
Cheque Cash Bank Account Paying In A

Q.

My friend recieved a UK cheque with his name on, however he doesn't have a bank account. Can he endorse it to my name and could I put it in my account?

(Mr Vaclav Rytir, 27 January 2009)

A.

“After section 81 of the Bills of Exchange Act 1882 there shall be inserted the following section—81A—(l) Where a cheque is crossed and bears across its lace the words "account payee" or "a/c payee", either with or without the word "only", the cheque shall not be transferable, but shall only be valid as between the parties thereto."

Up until 1992, there was no reason why a person could not hand over a cheque, made payable to themselves, to someone else for them to pay into their own bank account. You simply had to write the name of the person on the back of the cheque and that was it – job done.

However, as you can see from the quote above, the law has since been changed and now all cheques have to be crossed. You will notice cheques now have crossing lines across them and the account payee printed across the front of the cheque. This move was done as a way to decrease instances of fraud.

So, this makes it a risk on the bank’s behalf to accept a crossed cheque into the bank account of someone other than the name printed on the front and as a general rule of thumb, they just do not accept them.

However, this doesn’t mean that there isn’t a way. Over the last decade a number of agencies have set up shop on the high street that say they will exchange a cheque for cash. Originally this was marketed as a way of people getting instant cash from pay-day cheques without having the wait for the standard three days.

Of course, these agencies accept the risk that the original cheque could be fraudulent and as a way of counter acting this they tend to charge a fee, typically a percentage of the cheque’s value.

If you do want to use one of these agencies as an alternative, then you will no doubt be required to provide some form of identification and also, you should find one that is registered with the British Cheque Cashers Association (BCCA).

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My husband has a cheque made to him Mr M Frost but has no account can I put it in to my account if so how
Melmart - 9-Nov-17 @ 6:52 PM
I have cheque with title of Cash, Can Itramnsfer it to my account as it is crossed with two parralel. Please guode me.
Marwat - 24-Oct-17 @ 5:13 PM
My dad has received a cheque for my mums pension after she passed away. Unfortunately my dad doesn't have a bank account and no fixed abode so therefore no utility bill to open an account. The only account he has is a basic Post Office one and they said they will not accept the cheque totally nearly £9000. My dad is happy to pay the cheque into my my bank account. Is there a way he can do this even though it's been signed in his name. We will both be present when we go into the bank so would this be ok?
Emma - 19-Oct-17 @ 9:35 PM
I got a cheque on my name. And I want to transfer it to my father account. Is this possible?.. Please reply........
Chinnu - 19-Jul-17 @ 11:16 AM
I got a cheque in my name..and I wanna transfer it to my father account..is tis possibl..??
Vnna - 14-Jul-17 @ 4:22 PM
Horde - Your Question:
How can someone pay/Order money from his account with my name for other/ beneficiary?

Our Response:
Only the account holder can take money from an account.
BankAccountAdvice - 12-May-17 @ 12:48 PM
How can someonepay/Order money from his account with my name for other/ beneficiary?
Horde - 12-May-17 @ 1:07 AM
I have received cheque in partner name and I want to deposit the same cheque in our firm account , is it possible
Raj - 26-Apr-17 @ 11:32 AM
@sammib5 - you can only pay it into the account the person's name on the cheque is in.
DaveR - 24-Apr-17 @ 11:54 AM
I have a tex return cheque in my partners name but we want to pay it into my account am i able to cash it into my account?
sammib5 - 23-Apr-17 @ 4:47 PM
I received a check with pvt ltd co.name . however dont have a curunt bank account. How can i cash it?
dr - 22-Apr-17 @ 2:17 PM
I received a check from a UK bank however dont have a bank account in the UK. How can i cash it? I am currently in the UK, but leaving over the next week. Thanks, Magdalena
mali - 7-Apr-17 @ 3:37 PM
I have got a cheque in my name but do not have a bank account how do i cash it
Clarrissa - 10-Mar-17 @ 5:54 PM
I have applied for credit card they want my bank details. I dont have a bank would they accept my mums bank details cheers
Shaz - 14-Feb-17 @ 2:01 PM
We have a 3 person mortgage and are remortgaging for an extension so expecting a cheque this will have all 3 names on, however only 2 of us have a joint bank account will we be able to pay this in to our account despite the account only have 2 of the 3 names on the chq? Will be depositing into Lloyds bank. Or do we need to add the 3rd to the account
Krystina1288 - 4-Feb-17 @ 2:22 PM
Can i pay in a large banker's draft i have been given as a gift thats not in my name?
Vicky - 2-Feb-17 @ 8:07 PM
Hi there I recently received a cheque from H&M revenue from when I worked in London from 2012-2013. I am an Australian citizen currently living in Canada but will be re-visiting England in the next few months. I don't have a bank account anymore there but my partner (English citizen) does. Are we able to take that cheque into his bank and he can deposit it into his account with my consent? I don't want to have to pay the fee to have it cashed or the currency exchange to CAD when we plan on using it for being in England Thanks in advance
BV2017 - 2-Feb-17 @ 2:38 AM
Hi, I have a savings account for my daughter and my work pay overtime by BACS which is in my name. As it's money for my daughter can a BACS in my name go straight into her account. I'm an authorised person on the account and the bank let me deposit and withdraw cash over the counter. Thanks
Smith79 - 1-Jan-17 @ 11:32 AM
I received a check of refund from Barclaycard in my name and would like to depositit into my account. However I am abroad now. Can my friend deposit the check into my account on my behalf? Thanks for your advise
xzed - 27-Dec-16 @ 10:38 AM
I have recieved an inherence cheque from a solicitors it has barclays bank name on it would it be possible if I went into a barclays bank with my I D they would cash it for me as I do not have a bank account of my own
Chickylegs - 17-Dec-16 @ 2:52 PM
G - Your Question:
My brother received a cheque for £300+ In the post. He has moved to Australia and said if you can just put it into your account. Is it possible to put his cheque into my account?

Our Response:
Not if the name payable to on the cheque is not the name on your bank account. You might have to send the cheque to Australia so your brother can cash it himself.
BankAccountAdvice - 14-Dec-16 @ 12:41 PM
Baksh- Your Question:
My father wants to give Rs. 50,000/- cheque to me, as I am out of station. can my father go to bank and can he send the amount to my account ?? Plz give solution.

Our Response:
As we are a UK-based website, we can only give information which applies to UK banks. However, your father 'should' be able to pay the money into your account on your behalf as long as the 'made payable' name on the cheque is yours.
BankAccountAdvice - 14-Dec-16 @ 10:19 AM
My brother received a cheque for £300+ In the post. He has moved to Australia and said if you can just put it into your account. Is it possible to put his cheque into my account?
G - 14-Dec-16 @ 9:55 AM
My father wants to give Rs. 50,000/- cheque to me, as i am out of station.. can my father go to bank and can he send the amount to my account ??Plz give solution...
Baksh - 13-Dec-16 @ 10:03 AM
Ganesh Deshmukh - Your Question:
Sir I have my firm's current a/c.I got cheque fr my friend in may personal Name.So can I deposit the said cheque in firm's current a/c Give solution

Our Response:
No, the cheque has to correspond with the name of the account holder.
BankAccountAdvice - 29-Nov-16 @ 2:11 PM
I asked in the morning but never got reply.Pl told ,If Igetcheque on my name can I deposit it into my firm's Current a/c or if Firm's Name cheque can deposit into saving a/c
Ganesh Deshmukh - 29-Nov-16 @ 12:24 PM
Sir I have my firm's current a/c.I got cheque fr my friend in may personal Name.So can i deposit the said cheque in firm's current a/c Give solution
Ganesh Deshmukh - 29-Nov-16 @ 8:49 AM
I have cross cheque of my name but i want to deposit it in my fathers account... is it possible???
Nick - 7-Nov-16 @ 10:25 AM
hi me and my wife have two cheques coming ones in her name n maybe the other in mine would i be able to put my cheque in to her account if we take our marrige certificate with us to th bank
chezza - 26-Sep-16 @ 5:20 PM
Jo - Your Question:
Hi. I have paid the cheque in using your branch machines. I used my card details. the transaction was succesful. the money was taken back: it was my partners name on the cheque (refund from the bill overpayment). How do I get the check back? can I call the branch and ask them to have it paid into my partner's account by giving them his bank acc details?

Our Response:
I'm not quite sure of the question you are asking here, you would have to contact your bank directly.
BankAccountAdvice - 20-Sep-16 @ 11:17 AM
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