Pay in a cheque, pay in and withdraw cash

Pay in a cheque

Use the mobile app

You can now pay in a cheque anytime, any place using your compatible phone.

Cheques that are paid in before 10pm on a working day using the app will be available by 11:59pm the next working day, providing it's not been returned unpaid.

You can pay in up to £2000 a day in cheques using the App, with each individual cheque limited to £2000.

All you need to do to pay in a cheque is tap the more options menu (tap the three dots) on the account you'd like to pay your cheque into, then select 'Pay in a cheque' from the menu.

Once you have done this then enter the amount that is on the cheque, scan the front and back of it and submit this to us. It’s easy as that and you don’t need to post them in anymore or go to a branch or the post office.

If you have any questions about paying in a cheque in the app, see our FAQs for more information.

Post them into us

You can use your own envelope or chat with us in our App - go to 'Help' and select 'Chat now'. Or in Online Banking, select 'Message us'. 

first direct, PO Box 1538, Northampton, NN1 9HY.

You can use your own envelope or chat with us in our App - go to 'Help' and select 'Chat now'. Or in Online Banking, select 'Message us'. 

Don’t forget to also include a paying-in slip or to write your account details on the back so we know where to pay the money.

In a branch

We don't have branches - but our friends over at HSBC do. So if you need to pay in cheques, you can drop into your local branch. You can pay in at the counter or you can use the cheque deposit machine by inputting your sort code and account number onto the keypad. 

Find an HSBC Branch

At the Post Office®

You can pay in cheques, using a pre-printed first direct credit slip, from your paying-in book. You'll also require an HSBC Post Office® cheque deposit envelope - which you'll find on the Post Office® counter. Do not put cash in the deposit envelopes.

Cheques paid into the Post Office® may take a day longer to reach your account than cheques paid in at HSBC branches - and this is assuming you do it before the Post Office® branch cut-off time. They'll be able to tell you when this is.

To find your nearest Post Office® or check opening times:

Branch Finder | Post Office Opens an overlay [Will show a security message first]

At a Banking Hub

Banking Hubs are a dedicated counter service where customers of major banks and building societies can access everyday banking services.

The Banking Hub counter will offer the same banking services you would expect in a Post Office branch, to allow you to take care of your everyday banking needs. These include depositing a cheque, balance enquiries, and withdrawing cash or paying cash into your account.

Banking Hubs are open Monday to Friday - 09:00 to 17:00, and are closed at weekends.

To find your nearest Banking Hub or check opening times:

Community Events | Banking Hubs - HSBC UK

Paying in or withdrawing cash

In a branch

At HSBC Full Service Branches, Cash Service Branches and Banking Hubs you can pay in cash over the counter. You won't be able to use the self-service paying in machines.

You can withdraw cash at the ATM or over the counter free of charge. You'll need to arrange a withdrawal via the counter by calling us anytime on 03 456 100 100.

At the Post Office®

If you have a 1st Account, you can use your debit card at any of the 11,500 UK Post Office® locations across the UK to:

• check your balance
• pay in
• withdraw cash 

The most you can pay in is £6,000, but this may be lower in some branches. From 1 January 2023, you can pay in up to £3,000 per day and a total of £20,000 each year. To deposit more than this you can visit either a Full Service Branch or Cash Service Branch at HSBC to make your deposit.

Find an HSBC Branch

Cash withdrawals will count to your daily limit. 

You can also pay in coins over the counter up to the value of £250 per transaction. Just ensure they are bagged by denomination. 

To find your nearest Post Office® or check opening times:

Branch Finder | Post Office Opens an overlay [Will show a security message first]

At a Banking Hub

Banking Hubs are a dedicated counter service where customers of major banks and building societies can access everyday banking services.

The Banking Hub counter will offer the same banking services you would expect in a Post Office branch, to allow you to take care of your everyday banking needs. These include depositing a cheque, balance enquiries, and withdrawing cash or paying cash into your account.

Banking Hubs are open Monday to Friday - 09:00 to 17:00, and are closed at weekends.

To find your nearest Banking Hub or check opening times:

Community Events | Banking Hubs - HSBC UK

Getting cash

Use your card to get money from a cash machine any time you like. Mostly, it's free to do this - but there are a small number of machines you have to pay to use. You can search for your nearest cash machine using the Link Cash Locator Tool Opens an overlay [Will show a security message first]. This will also tell you if the machine is free to use or not.