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Can My Friend Pay His Cheque into My Account?

By: Jennifer Lowe - Updated: 21 Nov 2020 | 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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I have received a check in my mums name can I put it in my account as my mum passed away on October 15
Chris - 21-Nov-20 @ 12:10 AM
I want take me money to me acount bánk please
Eva123 - 25-Jul-20 @ 8:10 AM
Can my frend paya. Cheque in in for me as I can't get to. The bank myself
Pats - 12-May-20 @ 10:44 AM
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Donna lou - 2-Apr-20 @ 3:30 PM
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Joanne - 27-Mar-20 @ 9:48 PM
Szóval mi a válasz ???? A barátomnak szintén volt egy csekk a HMRC-nál, nincs bankszámlája, és szeretné tudni, mit kell tenni vele.Ha elfogadhatom-e a bankszámlámra, vele velem azonosítóval ???
Bodri - 21-Sep-19 @ 8:54 AM
So what's the answer ???? My friend also had a cheque from HMRC , no bank account and wants to know what to do with it.Can I accept it into my bank account, with him with me with id ???
Mand - 31-Jul-19 @ 6:22 AM
Can I write a cheque to a fictitious person and then post it to my neighbours address, ask them to handover the cheque to me, then open an account with their address but with the fictitious persons name?I only ask as they have done the same to me and it didn’t seem right.
Thop - 19-Jul-19 @ 5:23 PM
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Bernie - 12-Jul-19 @ 6:36 PM
My son received payment due to him from LLoyd bank but they refuse to cash the check as he has not use the open account for awhile. He lives aboard and is unable to go to the bank so has asked me to do so for him. Check is crossed to payee only. Bank will not accept check to be inputted to his accountas account has not been used. Advise on what to do.
JO123 - 13-Jun-19 @ 3:19 PM
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Johnny1986 - 25-Apr-19 @ 1:12 PM
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Brooky - 12-Oct-18 @ 6:22 PM
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I've got a cheque in my birth name do I need I'd to cash into someone else bank as I have no I'd in that name
Lee - 10-Sep-18 @ 5:14 PM
Hi my partner as a cheque but no bank account as he uses mine and hes no id can he pit this in mine thanku
Tinks - 26-Jul-18 @ 6:46 PM
Bm bm - Your Question:
Checks are no longer being accepted get up to date with times people

Our Response:
Cheques won't be phased out until October 2018.
BankAccountAdvice - 11-Jun-18 @ 3:07 PM
Checks are no longer being accepted get up to date with times people
Bm bm - 8-Jun-18 @ 8:28 PM
Can I put cheque in my wife back as I don't have 1
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Pompey - 19-Feb-18 @ 4:30 PM
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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
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