A customer was having a difficult time accessing the bank’s services
Lloyds Bank has explained how customers can use its services following the axing of a key facility. The banking group explained the specifics of its rules after a customer asked for input on social media.
A person reached out to the bank on behalf of their 92-year-old neighbour, who had received a cheque from the DVLA for his late wife’s car tax and wanted to deposit it. They said that their neighbour does not have internet access or a smartphone, and that their local Lloyds branch had shut down.
They had attempted to use their local banking hub, but it apparently refused to accept the cheque. Banking hubs were set up to maintain basic banking facilities in locations where high street branches are disappearing. These are operated by the Post Office.
Information on the Post Office website indicates that cheques can be deposited at these centres. The guidance states that available services include: “Pay cash or cheques into your account, take out money and check your available balance.”
Lloyds response
Responding to the enquiry, Lloyds said: “Cheques can be paid in by post if they’re going into a Lloyds account.” The bank also pointed the person to guidance on its website about how to deposit cheques.
Another person joined the discussion, noting that Lloyds recently amended its policies so cheques can no longer be deposited over the counter at the Post Office. From January 1, 2026, Lloyds Banking Group ended the facility to deposit cheques over the counter at the Post Office.
This applies to accounts held with Lloyds Bank, Halifax and Bank of Scotland. However, in response to the second person, Lloyds clarified that this does not affect all branches.
The group stated: “You can still pay in cheques at many Post Office branches, but you can also deposit cheques using our mobile banking app. You can deposit a cheque using the mobile banking app.”
Customers can deposit cheques of up to £10,000 each, or a total of £10,000 per day. When paying with a cheque through the app, you enter the cheque details and then take a photo of the front and back of the cheque.
It is recommended that you hold onto the cheque until the funds have cleared, after which it can be safely destroyed. It should be noted that certain cheques cannot be deposited via the app, and the app will notify you should this be the case.
