Just curious, assuming I have the necessary funds in an account, is there a hard limit (technical or regulatory) to the amount you can authorise to be paid with a single cheque issued by a UK Bank?

Are there policy limits imposed by individual banks?

If I wrote a valid cheque for, say, £50 Million, what would happen?

Is it the same for other countries' banks (E.G. US Banks) or does it vary?

  • Given the decline of cheques and cheque guarantee cards in the UK, are there many retailers (let alone banks) who would even accept a cheque for a non-trivial amount these days? – Steve Melnikoff Jan 22 '16 at 21:04

In theory there is no limit to the value of a cheque that you can write. However, that doesn't mean the bank will honour it even if you have sufficient funds in your account - if it appears out of the ordinary, they may block it on suspicion of fraud or money laundering.


In the united states, they may request a check written by the bank to the other party. I have had to make large payments for home settlements, or buying a car. If the transaction was over a specified limit, they wanted a cashiers check. They wanted to make sure it wouldn't bounce.

I have had companies rebate me money, and say the maximum value of the check was some small value. I guess that was to prevent people from altering the check.

One thing that has happened to me is that a large check I wanted to deposit was held for a few extra days to make sure it cleared. I wouldn't have access to the funds until the deadline passed.

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