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Cheque Negotiation - Cheque funds are advanced within 3-5 working days after processing. These funds are paid with recourse which can be up to 7 years.

Cheque Collection - Receive value for cheque where negotiation is not possible. Payment is made when NatWest receives the funds from the bank abroad (can take up to 6 weeks or longer). These funds are also paid with recourse which can be up to 7 years.

Please note, the decision to proceed with either negotiation or collection is taken on a case by case basis.

Depending on the method used to clear the cheque, it can take up to 6 weeks or longer to receive your money.

You can receive money from abroad much faster by electronic transfer (opens in a new window).

Please note: We no longer accept New Zealand (NZD) cheques.

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