A cheque typically takes about 1 to 2 working days to clear once you pay it into your account, depending on when and how you deposit it. For example, if you pay in a cheque on a Monday before the bank's cut-off time (usually around 3:30 or 4 pm), the funds will usually clear by Tuesday or Wednesday, allowing you to withdraw the money then

. Key points on cheque clearing times:

• Image Clearing Scheme: Most UK banks now use this faster system, where cheques clear within two business days after deposit. If deposited before the cut-off time on a working day, the cheque clears by the next working day or the day after

• Deposits after cut-off times or on weekends: Cheques paid in after the cut-off time or on weekends/bank holidays will take longer, usually adding two more working days to the clearing process

• Paying in at Post Office: Cheques paid in at the Post Office may take longer to reach the bank (usually 2 working days), after which the normal clearing cycle applies

• Large or unusual cheques: Banks may hold cheques longer (up to 5 business days) if the amount is large, the cheque is from a foreign bank, or if the account is new or has unusual activity

• Funds availability: Typically, the first $225 (or equivalent) of a cheque deposit is available within one business day, with the remainder available within two business days, but this can vary by bank and situation

In summary, for most standard sterling cheques deposited in UK banks during working hours, expect clearance within 1 to 2 working days. Deposits made late in the day, on weekends, or at the Post Office may take longer, and exceptional cases may extend the hold period