I've just open a UK bank account and received the cheques book. Why my cheques are refused without a card?

Question

Indeed, I try to pay by cheque qnd i was asked for a card.
Do I need a card to pay by cheque? What card? What for?
I really don't understant...

I thaught only an ID card would be OK!

Answer 1

Because cheques can be fraudulent - used for instance by a thief who forges your signature - but in the UK, with the backup of the guarantee card, the bank bears any loss instead of the person you paid the cheque to. That makes traders more willing to accept payment by cheque. You normally get the card when you open the bank account, but maybe yours has not arrived yet. (Or maybe if you opened it overseas, you don't get one! You would need to check that with the bank.) You can use the card in cash machines too, with a pin number, and as a debit card to make instant payments where otherwise you might use a credit card. You can still pay by cheque through the post without the card. And people who know you well and trust you will accept the cheque without the card.

Answer 2

It is a bank cheque guarantee card and will ensure that your cheque will never bounce if your account is low on funds. The cheque card guarantees cheques for either £50 or £100. Cheques sent through the post are not subject to these requirements but the recipient might send it back.

Answer 3

You need the Debit card you got with the card. Cards on Britain have a £100 cheque guarantee but the company can only see this if the see the card and swipe it. There is a silver logo normally on the back of the card that says £100 cheque giarantee. They also need to check your signature on the card

Answer 4

You need a cheque guarantee card.

Otherwise, the cheque that you present may bounce!!

Ask the bank, it can be hard to get one of these cards, because your account activity has to be good (no going overdrawn without an overdraft etc)

This card, if you reverse it, on the side where the signature should be will have a silver hologram, with either £100.00 or £250.00 on there.. that is a cheque guarantee card!

Answer 5

the reason they need thi is because cheques are commonly written without the fund in the account and therefore bounced. to ensure they get the funds retailers require the chg guarentee card. they can be amounts of 100 or 250, if your chq is more than this they will not accept it. or u will have to write several chq, with the guarentee number on the card ur bank CANNOT refuse the chq but you will be chgd for the pleasure.

the card is normally your debit card and would only support guarentee facility if its a switch/maestro card.

Answer 6

Your bank card, the one that you use at the cash machine. It doubles as a cheque guarantee card - its like an added level of security against people using your cheque book to purchase goods.

Answer 7

It is very easy to forge or steal bank cheques. Use a photo driver's license or photo ID card. Businesses get ripped off all the time by people with fake or stolen cheques.

Answer 8

Credit card or bankers card will guarantee the cheque.

Answer 9

Usually when you pay by check the merchant will want some sort of identification. Usually 2 of them, at least one with a picture. This is to verify that you are the same person whose name is on the check. This is because there a a lot of dishonest people out there who will try to pass bad checks. This could be a drivers license, credit cards ,some places have check cashing cards - etc....

Answer 10

Benign source is correct