Writing a cheque out to 'cash'
- Thread starter robjf
- Start date
Associate
Not as far as I know, unless it's for yourself perhaps.
I think all UK cheques nowadays are crossed.
I think all UK cheques nowadays are crossed.
Raikiri said:You mean writing a cheque to pay for something in a shop?
Why are you asking, found somebodies cheque book?
Nooo. Writing a cheque to 'cash' by meaning you could write a cheque to someone but instead of writing their name writing 'cash' so that when it was taken to a bank, they get the cash instead. I realise it would be the worst idea ever but after a bit of research i think its allowed in New Zealand.
But i cant seem to find anything about this in the UK
Rob
Associate
Yes you can, but it is down to the discretion of the branch/bank if they accept if or not. They will more can likely ask for two lots of identity as well.
Brennan said:
Yep, one our director's still doesent believe in cards, so when they go to get petty cash he gives them a cheaque and they give him the cash. He has to ring up branch before or they won't give it them, also they have to go to his account branch (this is with LloydsTSB)
Soldato
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- 18 Oct 2002
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When I needed money to buy my first car I got cash out by writing a cheque payable to "cash". They didn't even ask for ID. 
I was quite a bit as well (About £850 I think).
I was quite a bit as well (About £850 I think).
Man of Honour
You can write a cheque out to pay yourself cash, though as above it's down to bank discretion whether they honour it or not. I'm not sure if you can do the same for someone else. While I'm sure it's technically possible, the banks may disagree.
Suspended
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Of course you can write a cheque out to 'Cash' in the UK.
Simply take your cheque book and cheque guarantee card into any Post Office or bank/building society and you can cash a cheque up to the limit on the back of your card.
Simply take your cheque book and cheque guarantee card into any Post Office or bank/building society and you can cash a cheque up to the limit on the back of your card.
Talking of cheques, I'm glad I got home early yesterday - my girlfriend had been looking for jobs and applied for something... some guy replied saying something about paying cheques into her account and forwarding funds.
Definitely a scam, I replied telling him to forget it. Don't want my girlfriend getting left high and dry owing thousands in stolen money
Only thing I'm concerned about is that it had an official type application form and seemed like a proper job application, so the scammers have her name and address (well, her parents address as she lives with me).
Definitely a scam, I replied telling him to forget it. Don't want my girlfriend getting left high and dry owing thousands in stolen money
Only thing I'm concerned about is that it had an official type application form and seemed like a proper job application, so the scammers have her name and address (well, her parents address as she lives with me).
Father of Joseph this thread is crap! Some peoples intelligence really really amazes me, or perhaps its an age thing?
You've always been able to write a cheque out to cash and you always will be able to.
Although The Mad Rapper is slightly incorrect.
You can walk into any branch of your own bank and write a cheque out to 'Cash' for any amount you like as long as the funds are in your account. For this you do not need a Cheque Guarantee Card. In the PO however, they will only cash upto the value of your CCC.
btw, banks discretion has absolutely nothing to do with it. You cannot write a cheque out to cash and hand it to someone else as payment. The bank is highly unlikey to accept this unless you have a letter of authority from the person who wrote the cheque and ID for the person presenting it. Even then it is normally by written agreement. If the cheque is for yourself the bank has no discretion over the matter else they would be witholding your own money!!! Thats like putting your card in an ATM asking for £100 and the machine saying, "we may or may not dispense this cash, it's up to us". What a load of tosh.
In addition, when cheques processed at district service centres, banks have a limit before they even check the details on the cheque. By this, I mean I could write a cheque out for £1000 and not sign it, or even sign it with a completely different signature. The bank wouldn't bat an eyelid and the cheque would go through. If I did if for say £2000 then it would get spotted. This is purley because the bank cannot realistically inspect every cheque that passes through their systems and may set a limit to say that anything below £1000 will go through regardless, anything over will be checked.
In light of Chip & Pin though the use of cheques is becoming scarce with a lot of large companies no longer accepting them.
You've always been able to write a cheque out to cash and you always will be able to.
Although The Mad Rapper is slightly incorrect.
You can walk into any branch of your own bank and write a cheque out to 'Cash' for any amount you like as long as the funds are in your account. For this you do not need a Cheque Guarantee Card. In the PO however, they will only cash upto the value of your CCC.
btw, banks discretion has absolutely nothing to do with it. You cannot write a cheque out to cash and hand it to someone else as payment. The bank is highly unlikey to accept this unless you have a letter of authority from the person who wrote the cheque and ID for the person presenting it. Even then it is normally by written agreement. If the cheque is for yourself the bank has no discretion over the matter else they would be witholding your own money!!! Thats like putting your card in an ATM asking for £100 and the machine saying, "we may or may not dispense this cash, it's up to us". What a load of tosh.
In addition, when cheques processed at district service centres, banks have a limit before they even check the details on the cheque. By this, I mean I could write a cheque out for £1000 and not sign it, or even sign it with a completely different signature. The bank wouldn't bat an eyelid and the cheque would go through. If I did if for say £2000 then it would get spotted. This is purley because the bank cannot realistically inspect every cheque that passes through their systems and may set a limit to say that anything below £1000 will go through regardless, anything over will be checked.
In light of Chip & Pin though the use of cheques is becoming scarce with a lot of large companies no longer accepting them.
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Man of Honour
Sort of. Banks are always at discretion to say no - particularly if they suspect fraud or false identity. But, as you put it, they can't legally keep you from your money without a damn good reason.Homeslice said:
Isn't this what the calendar grid at the back of the cheque book is for? When you cash a cheque they tick the box with todays date at the back of your cheque book. Presumably this stops you going around all the banks cashing cheque after cheque without the funds to do so.
Soldato
robjf said:
LOL, I was watching the same episode and wondered the exact same thing
molar said:
Kind of, but its not used anymore as if you present a cheque for cash at your branch the funds are debitted instantly. However, you could go around lots of Post Offices and do this as if they forgot to do the calendar part at the back then yes, you'd possibly have a very large fraud team on your back
Associate
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Homeslice said:
This isn't a matter of intelligence! You either know it or you don't - it's not common sense... Calling a thread crap because you know the answer and someone else isn't fair!