Please note that the cheque clearance times will vary over the Christmas and New Year period. For details please view the cheque clearance times for England, Wales and Northern Ireland or the cheque clearance times for Scotland.

The chart below shows clearance times if you pay the cheque in today, but you can select any date and click "Calculate" to show a different day of deposit.

Sun
11
Dec
Mon
12
Dec
Tue
13
Dec
Wed
14
Dec
Thu
15
Dec
Fri
16
Dec
Sat
17
Dec
Sun
18
Dec
Mon
19
Dec
Tue
20
Dec
Cheques paid into any Nationwide current account (where interest is earned):
Cheques paid into any Nationwide savings account:

Table Key

Day paid in
Interest earned: when Nationwide start paying you interest on any cheque you have deposited to your savings or current account (where the current account earns interest).
Withdrawal allowed: when Nationwide allow you to withdraw against any cheque you have deposited with us.
Certainty at end of day (11:59pm): when Nationwide will not reclaim, without your permission, any cheque deposited (except in cases of fraud).

Although the Society makes funds available to allow you to withdraw against cheques as shown above , this does not mean that the cheque has fully cleared for 'certainty'.

Cheques can be returned unpaid (for example, if the person who gave you the cheque has insufficient money in their account) and if so can be removed from your account up until 11:59pm on the 'certainty' date shown above .

For withdrawals and 'certainty', if a cheque is paid in to the account on a Saturday, Sunday, Bank Holiday or at a Nationwide cash machine then the day of deposit will be the next working day.