How Long Is a Cheque Valid for in UK? [UK Banking]

If you’re wondering “how long is a cheque valid for in the UK?” you’re in the right place.

Technically speaking, UK laws do not force an expiry on cheques. That said, most banks will not cash a cheque that is older than six months.

In this article, we’ll share the specific nuances that you should be aware of whether you are cashing or issuing a cheque.

Also, if you’re interested in opening bank accounts, you can access our free account opening recourses. These range from international banking to specific topics like opening a non-resident bank account in Portugal.

Feel free to jump ahead to the areas most relevant to you by using the table of contents below.

Table of Contents

  1. How Long Is a Cheque Valid For in UK?
  2. Opening Bank Accounts in the United Kingdom
  3. Frequently Asked Questions
  4. Ready to Explore Your Options?

How Long Is a Cheque Valid For in UK?

There is no specific time that a cheque is valid for in the UK according to UK law. However, most banks clearly state that they can refuse cheques that are more than 6 months past their issue date. That said, in certain circumstances, cheques older than 6 months will be cashed.

Albeit differently, both the recipient of a cheque and the issuer of a cheque are impacted by the unclear validity of cheques in the UK. Let’s take a look at how they are impacted and what they should do if they are in possession of (or issued) a cheque that is 6 months or older.

Recipient of a Cheque in the UK

If you have not cashed a cheque in the UK before 6 months, it may be worth contacting the issuing party and asking them to issue a new check. This step can resolve many of the issues that you will face when trying to cash the check at the bank and can result in a more streamlined process to receive your funds.

Issuer of a Cheque in the UK

If you have issued a cheque that has not been cashed in the first 6 months, you may want to contact your bank and ask that the cheque be canceled. Depending on the circumstances, you may want to also contact the recipient of the cheque and inform them of this and provide them with a new cheque for the related payment.

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Opening Bank Accounts in the United Kingdom

Opening bank accounts in the United Kingdom is possible for both resident and non-resident individuals. That said, there are a number of challenges to opening UK bank accounts, especially for non-residents. This includes navigating the specific account opening requirements related to proof of address, ties to the UK, and income verification.

We have a wide range of UK bank account opening resources available on our website, which you can access by selecting Banking in Europe from the home page.

Depositing a Cheque in the United Kingdom

If you have a bank account in the United Kingdom and you would like to deposit a cheque, you can either visit a branch or use your online banking platform and follow the instructions for electronic deposit.

Frequently Asked Questions

Below are two of the most common questions that we receive from people wanting to know how long is a cheque valid for in UK. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.

Do Cheques Have an Expiry Date UK?

UK law does not impose an expiry date on cheques. That said, UK banks do clearly state that they can refuse cheques that are more than 6 months old. However, in certain circumstances, they will cash older cheques, though it depends on the bank and the individual banker that you are dealing with.

How Long Does a Cheque Last Before It Expires UK?

Cheques do not expire in the UK. In fact, UK law does not impose any expiration date. That said, specific banks do reserve the right to deny a cheque if it is more than six months old. Though banks may also refuse to cash a cheque for a range of other reasons.

Ready to Explore Your Options?

If you would like assistance navigating your banking options at home or abroad, we can help.

You can access GlobalBanks IQ, our international banking intelligence platform, in just a few clicks. Unlock our bank database, individual bank profiles, account opening strategies and reports, banker scripts, and more.

But, if you want a 100% personalized account opening service that taps into our team’s expertise and provides direct banker introductions, you can get started with GlobalBanks Insider.

Of course, if you have any questions, please contact us directly.

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GlobalBanks Team
GlobalBanks Team

The GlobalBanks editorial team comprises a group of subject-matter experts from across the banking world, including former bankers, analysts, investors, and entrepreneurs. All have in-depth knowledge and experience in various aspects of international banking. In particular, they have expertise in banking for foreigners, non-residents, and both foreign and offshore companies.

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