Barclays has explained its deposit rules that apply to all customers after a query from a customer. The individual got in touch as they wanted to cash a cheque.
They asked over X: “I don’t have Barclays branch near me. Have a cheque to deposit on my name. Any help?” The bank replied asking them if they have access to the Barclays app, as customers can deposit cheques through the app.
You can do this by going to ‘Pay and transfer’ on the home screen of the app and then pressing ‘Pay in a cheque’. They went on to explain: “You can pay a cheque via the app up to £5,000. You can pay in up to four cheques every seven days across all your personal accounts.”
The bank also sent a link to an information page about how to pay in a cheque without visiting a branch. You will need to take a phot of the cheque and to submit it through the app, along with the amount and payee details.
The funds should appear in your account by the end of the next weekday, as long as you pay it in by 4pm the weekday before. If you don’t have access to the app, you can also deposit cheques at the Post Office.
To do so, you will need a pre-printed paying-in slip and a cheque deposit envelope. You can order the slips and cheque deposit envelopes by calling 0800 169 3091 or visiting a branch.
You will need to fill in your details on the paying-in slip and then hand it over with the cheque in the envelope at the Post Office counter. Cheques deposited in this way can take up to five working days to clear.
Another Barclays customer recently contacted the bank unhappy about a change to their account. They queried: “Despite never exceeding our overdraft limit, never being persistently overdrawn, today you significantly reduce our overdraft limit.”
Barclays said in response that it usually carries out overdraft limit reviews on a yearly basis. The bank also said that the customer would likely receive a letter about the matter.
They explained: “You should also receive a letter to advise of the outcome of the review, but we do sometimes send a text message to let customers know in advance.” The bank said this should be available to view on the app or online banking, within two days of the letter being issued.