How long will it take for a cheque to clear?
Cheques deposited to an account can take up to six working days to clear (see note 1). The tables below show when your money will be available to you to withdraw and when you can be certain the money is yours, depending on which type of account you have (see note 2). The Day Santander allows you to withdraw your money column refers to the day on which Santander will allow you to withdraw the money from your account, however the cheque could still bounce during this time and if it does, Santander can take the funds back from your account without seeking your agreement, even if you have drawn against those funds. The Day you can be sure the money is yours column, refers to the day you can be certain that if the cheque bounces, Santander cannot take the funds back from your account, even if you have drawn against those funds unless you were a knowing party to fraud.
