Every cheque you write contains key pieces of information to ensure your payment is processed correctly. Here’s what you need to know about the numbers printed on your cheque and their importance.
The Key Numbers on a Cheque
Cheques have several important numbers printed on them, each serving a distinct purpose. These include:
- Sort Code: Identifies the specific branch of your bank.
- Account Number: Links the cheque to your personal bank account.
- Cheque Number: A unique identifier for each individual cheque.
- Fractional Bank Number: Represents the issuing bank in a legacy format.
Sort Code
The sort code is typically the first set of numbers at the bottom of a cheque. This six-digit number identifies the branch of your bank and is essential for routing payments to the correct institution. Think of it as the “address” of your bank branch. You’ll need your sort code for tasks like:
- Setting up standing orders or direct debits
- Receiving salary payments
- Transferring money between accounts or to other people
Account Number
The account number is the second set of numbers printed at the bottom of your cheque. It’s unique to your bank account and is used to identify where funds should be withdrawn from when the cheque is processed. Your account number is specific to you and must be kept secure to prevent unauthorised access or fraud.
Cheque Number
Each cheque in your chequebook has a unique number to help you and your bank track payments. This number typically appears twice:
- At the bottom of the cheque, alongside the sort code and account number.
- In the top-right corner of the cheque.
When you open a new account, your cheques usually start with a number like 0001, and each subsequent cheque increases sequentially. For example, the next cheque would be 0002, then 0003, and so on. The cheque number is particularly useful if you need to trace or cancel a specific cheque. For instance, if you lose a cheque or need to stop payment on it, you’ll need to provide this number to your bank.
Fractional Bank Number
The fractional bank number, found near the top of the cheque, appears as two numbers separated by a forward slash (e.g., 12-34/567). This number is an older method of identifying the issuing bank. While it is no longer used in most payment processes, fractional bank numbers are still printed as a legacy feature.
Send and Receive Money Internationally in the UK with Remitly.
Get started with our free mobile app.
Download
What Happens If You Change Your Bank Account?
If you switch to a new bank account, you’ll receive new cheques with updated sort code and account numbers. It’s important to shred or void any unused cheques from your old account to prevent potential fraud. Don’t forget to update your new banking details with services that use your old account for payments, such as subscriptions, standing orders, and direct debits.
Frequently Asked Questions About Cheque Numbers
Can I Use Cheques with Low Numbers?
Some businesses may be cautious about accepting cheques with very low numbers, as these can indicate a newly opened account. This concern is more common for larger transactions, as low cheque numbers may raise fraud concerns.
Do Electronic Payments or Direct Deposits Have Cheque Numbers?
No, electronic payments like direct deposits are processed through systems such as BACS or CHAPS and don’t involve cheque numbers. If a paper cheque is issued on your behalf (e.g., by an online banking service), it will include a cheque number, but it may not follow the sequence in your chequebook.
How Can I Verify my Cheque Details Without a Chequebook?
If you don’t have your chequebook handy, you can find your sort code and account number by logging into your bank’s online or mobile banking service. Alternatively, check a recent bank statement or contact your bank directly for assistance.
