Cheque Clearing times

Paying in cheques with TSB

When you pay your cheque in at a TSB branch or via the TSB Mobile Banking App (before 8pm) your cheque will clear in 2 working days.

So, if you pay a cheque in on a Monday, it will clear as shown below:

Where is the cheque paid in?	When will it show in your account	After you’ve paid it in, when will it earn interest or reduce the interest you’re paying?	When can you use the money?	When can your cheque be returned unpaid after you’ve paid it in?
TSB Branch and TSB Mobile App (before 8pm)	Monday	Tuesday	By 11:59pm on Tuesday	Before 11.59pm on Tuesday
TSB Mobile Banking App (after 8pm) or weekends and Bank holidays	Monday	Wednesday	By 11:59pm on Wednesday	Before 11.59pm on Wednesday

 

If you pay in your cheque at a deposit cash machine or via the TSB Mobile Banking App outside of branch opening hours, it will take an extra day to clear.

Paying in cheques at a Post Office.

If you’re paying a cheque in at the Post Office, your cheque will take a day longer to clear than at one of our branches.

So, if you pay your cheque into a Post Office branch before 4.30pm on a Monday, it will clear as shown below.

When will it show in your account?	After you've paid in, when will it earn interest or reduce the interest you're paying?	When can you use the money?	When can your cheque be returned upaid after you've paid it in?
Tuesday	Wednesday	By 11:59 on Wednesday	Before 11.59pm on Wednesday

 

When you write a TSB cheque.

We won’t be able to tell you how quickly the money will come out of your account, as we don’t know which bank your cheque will be paid into. So, you need to make sure when you write a cheque, that you have enough money in your account in case the bank the cheque is being paid into is working on two-day cheque clearing.

You’ll also need to bear this in mind if you’re writing a cheque to pay a bill. So, please allow enough time for your payment to be processed in case their bank is not working on two-day cheque clearing.