Most major UK banks let you use Post Office branches for at least some everyday banking. Depending on your provider and account type, you may be able to withdraw cash, check your balance, deposit notes and coins, pay in cheques or obtain change for your business.
However, the Post Office is not a complete replacement for a bank branch. The services available vary considerably.
For example, Barclays, HSBC and NatWest support cash withdrawals, balance enquiries, cash deposits and cheque deposits, while Nationwide only supports withdrawals and balance enquiries.
Monzo allows cash deposits but not counter withdrawals, balance enquiries or cheque deposits.
You should therefore check both your bank and the transaction you want to complete before visiting. The official Post Office everyday banking checker is the most authoritative source because banks can change their services, limits and procedures.
Which Banks Work With the Post Office?
Most major UK banks allow you to use Post Office branches for everyday transactions such as cash withdrawals, balance checks and deposits.
However, the exact services you can access depend on your bank and account type, and not every provider supports the same range of transactions.
Banks Offering Withdrawals, Balance Enquiries and Cash Deposits
| Bank or provider | Account type shown | Withdraw cash | Check balance | Deposit cash | Deposit cheques |
| Allied Irish Bank (GB) | Personal and business | Yes | Yes | Yes | Yes |
| Allied Irish Bank (NI) | Personal and business | Yes | Yes | Yes | Yes |
| Bank of Ireland | Personal and business | Yes | Yes | Yes | Yes |
| Royal Bank of Scotland | Personal and business | Yes | Yes | Yes | Yes |
| Bank of Scotland | Personal and business | Yes | Yes | Yes | No |
| Barclays | Personal and business | Yes | Yes | Yes | Yes |
| Coutts | Personal and business | Yes | Yes | Yes | Yes |
| The Co-operative Bank | Personal and business | Yes | Yes | Yes | Yes |
| Danske Bank | Personal and business | Yes | Yes | Yes | Yes, in Northern Ireland |
| HSBC | Personal and business | Yes | Yes | Yes | Yes |
| Lloyds Bank | Personal and business | Yes | Yes | Yes | No |
| NatWest | Personal and business | Yes | Yes | Yes | Yes |
| Santander | Personal and business | Yes | Yes | Yes | Yes |
| Starling Bank | Personal and business | Yes | Yes | Yes | No |
| TSB | Personal and business | Yes | Yes | Yes | Yes |
| Ulster Bank | Personal and business | Yes | Yes | Yes | Yes |
| Virgin Money | Personal and business | Yes | Yes | Yes | Yes, subject to sort-code conditions |
| Handelsbanken | Personal and business | Yes | Yes | Yes | No |
| Zempler Bank | Personal and business | Yes | Yes | Yes | Not listed |
| First Direct | Personal | Yes | Yes | Yes | Yes |
| Halifax | Personal | Yes | Yes | Yes | No |
| Smile | Personal | Yes | Yes | Yes | Yes |
| Thinkmoney | Personal | Yes | Yes | Yes | No |
| DOSH | Personal | Yes | Yes | Yes | No |
| Cahoot | Personal | Yes | Yes | Yes | Yes |
The Post Office’s current information confirms that Lloyds, Halifax and Bank of Scotland no longer offer cheque deposits through its counters. This is an important change from older articles that said the service was being phased out by the end of 2025.
Virgin Money’s cheque-deposit service is shown for relevant Virgin Money, Clydesdale and Yorkshire accounts with sort codes beginning 82 or 05. Danske Bank cheque deposits are handled through Northern Ireland Post Office branches.
Providers Offering More Limited Post Office Banking
| Bank or provider | Account type shown | Withdraw cash | Check balance | Deposit cash | Deposit cheques |
| Nationwide Building Society | Personal | Yes | Yes | No | No |
| Monzo | Personal and business | No | No | Yes | No |
| Monese | Personal | No | No | Yes | No |
| Reliance Bank | Business service matrix shown | No | No | Yes | No |
| CAF Bank | Business | No | No | Yes | Yes |
| Countingup | Business | No | No | Yes | No |
| Metro Bank | Business | No | No | Yes | Yes |
| Mettle | Business | No | No | Yes | No |
| Tide | Business | No | No | Yes | No |
| Unity Trust Bank | Business | No | No | Yes | No |
Nationwide is a particularly important exception. You can use your card and PIN to withdraw cash or check your balance, but you cannot pay cash or cheques into a Nationwide account at a Post Office.
Monzo supports cash deposits for personal and business accounts, but the Post Office does not provide counter withdrawals, balance enquiries or cheque deposits for Monzo customers.
Starling offers a broader service: you can withdraw cash, check your balance and deposit cash, although cheque deposits are not available through the Post Office.
Countingup, Monese and Tide are described on the Post Office website as e-money providers rather than banks.
The funds in these accounts are safeguarded under the Electronic Money Regulations rather than protected in exactly the same way as an eligible deposit held by a bank.
Cashplus Bank changed its name to Zempler Bank in July 2024. The current Post Office page displays Zempler Bank as supporting cash withdrawals, balance enquiries and cash deposits for personal and business customers.
Other Specialist Providers Appearing on the Post Office Page
The current Post Office page also contains provider links or residual entries for Adam & Co, Suits Me, Optimum and Quidity. However, it does not display a complete, usable service matrix for these providers in the same way as it does for the banks listed above.
You should contact the provider directly before attempting a transaction. This is preferable to assuming that every service is available simply because the provider’s name appears on the page.
Post Office banking checker
Can You Use Your Bank at the Post Office?
Select your bank, account type and transaction to see which Post Office services may be available. Banks can change their limits, fees and procedures, so confirm important or high-value transactions with your provider before travelling.
Important: This checker provides general guidance based on published Post Office service information checked on 4 August 2026. Availability may depend on your account, card, sort code, bank limits, fees and individual branch capacity. Your bank’s current terms take precedence.
What Banking Can You Do at a Post Office?
The four main personal banking services are:
- Cash withdrawals
- Balance enquiries
- Cash deposits
- Cheque deposits
For business accounts, some banks also offer a change-giving service. This allows eligible businesses to exchange cash for notes and coins, although you normally need to register through your bank and use a nominated Post Office branch.
The Post Office says withdrawals are available at all its branches when your bank supports the service. Your bank’s account limits and your available balance still apply.
The growing role of Post Office banking is particularly relevant as high-street banks reduce their physical networks.
Customers affected by NatWest branch closures may be able to use Post Office counters for routine cash transactions, although more complicated enquiries must still be handled by the bank.
How Do You Deposit Cash at the Post Office?
The exact process depends on your bank, but you will normally use one of the following:
- Your debit card and PIN
- A deposit-only card supplied by your bank
- A personalised or barcoded paying-in slip
Tell the counter assistant that you want to pay cash into your bank account. You will be asked to present the required card or slip and hand over the cash. Check the amount on your receipt before leaving and keep the receipt until the deposit appears in your account.
A cash deposit made using your card will normally appear on the same day. A deposit made with a paying-in slip will normally appear on the next working day, although your bank’s processing rules apply.
Cash-deposit limits are set by your bank, not by the Post Office. There is no single daily limit that applies to every customer or provider. You should check your bank’s current rules, particularly before depositing a large amount or regular business takings.
How Do You Pay a Cheque in at the Post Office?
Where your bank supports cheque deposits, you will usually need:
- The cheque
- A completed paying-in slip supplied by your bank
- A bank-specific cheque-deposit envelope
Paying-in slips are generally not held at Post Office branches, so you may need to order them from your bank in advance. Most bank-branded deposit envelopes are available from either the bank or participating Post Office branches.
Place the cheque and completed slip inside the envelope, seal it and hand it to the counter assistant. Keep the receipt you receive.
Do not put cash or foreign currency inside a cheque-deposit envelope. The Post Office warns that doing so can delay processing. Cheques are processed after they reach your bank, so the total clearance time can be longer than when you use an app-based cheque-imaging service or visit a bank branch.
Can You Withdraw Cash From the Post Office?
You can withdraw cash over the counter when your bank supports the service. You will normally need your debit card and PIN.
The maximum amount is determined by:
- Your bank’s daily withdrawal limit
- Your account balance
- Restrictions attached to your account
- The amount of cash available at the branch
The Post Office does not impose one standard withdrawal limit for every bank. It advises customers to contact their bank when they are unsure how much they can withdraw.
Monzo and Monese customers cannot currently make counter withdrawals through the Post Office. Nationwide customers can withdraw cash, despite not being able to make cash deposits there.
Does the Post Office Charge for Banking?
The Post Office does not take a separate counter charge for cash withdrawals or deposits. However, your own bank may charge you for selected services, particularly cash deposits made into some business or digital accounts.
Check your bank’s tariff before paying in cash. The fact that a transaction is available at a Post Office does not necessarily mean your account provider offers it free of charge.
Can You Do Business Banking at the Post Office?
Many business customers can use Post Office branches to deposit takings, withdraw money, check balances and pay in cheques. The precise combination depends on the bank.
Full or broad business-banking support is displayed for providers including:
- Allied Irish Bank
- Bank of Ireland
- Barclays
- The Co-operative Bank
- Coutts
- Danske Bank
- HSBC
- Lloyds
- NatWest
- Royal Bank of Scotland
- Santander
- Starling Bank
- TSB
- Ulster Bank
- Virgin Money
- Zempler Bank
Other business providers, including Countingup, Mettle, Reliance Bank, Tide and Unity Trust Bank, mainly use Post Office branches for cash deposits.
Some banks also allow registered business customers to obtain change. Depending on the bank, you may need a change-giving card, business debit card, barcoded form, paying-in slip or another approved form of collateral.
For businesses in areas with fewer banking facilities, the service can provide an important local alternative.
This is especially significant where rural Post Office branches are under financial pressure, as closures may affect both personal access to cash and the ability of local businesses to deposit takings.
What Can’t You Do at a Post Office?
A Post Office counter gives you access to selected services attached to an existing account. It is not staffed by employees of your bank and does not have full access to your banking records.
You normally cannot use it to:
- Open a new current account
- Discuss an overdraft or loan application
- Change account details
- Resolve a frozen or restricted account
- Dispute card transactions
- Obtain detailed financial advice
- Replace a lost bank card
- Deal with complex fraud or security enquiries
The Post Office states that it does not offer current accounts of its own and directs customers to their banks for account opening, provider-specific services and detailed enquiries.
How Do You Find a Branch Offering Banking Services?
You can use the official Post Office Branch Finder to check nearby locations, opening times and available services.
Although banking is available across thousands of branches, you should check before travelling, especially when you need a specialist service, plan to deposit a large amount of cash or want business change.
Conclusion
Using the Post Office for everyday banking can be convenient, especially when your bank has few local branches. However, the services available depend on your provider, account type and chosen transaction.
Before visiting, check whether you can withdraw cash, view your balance, deposit money, pay in cheques or access business services. You should also confirm any fees, limits, required cards or forms and processing times with your bank.
Keeping your receipt and checking branch availability can help you complete the transaction safely at your nearest branch and avoid unnecessary delays.
Frequently Asked Questions
Can you pay money into any bank account at the Post Office?
No. Your bank or account provider must participate in Post Office banking and support cash deposits for your type of account. Nationwide, for example, supports withdrawals and balance enquiries but not cash deposits.
Does Barclays work with the Post Office?
Yes. Barclays personal and business customers can withdraw cash, check balances and deposit cash. Cheque deposits are also supported when you use a personalised paying-in slip and an appropriate deposit envelope.
Does Lloyds work with the Post Office?
Yes. Lloyds customers can withdraw cash, check their balances and deposit cash. Cheque deposits are no longer offered through Post Office branches.
Does Halifax work with the Post Office?
Yes, for personal banking. You can withdraw cash, check your balance and deposit cash using your card and PIN. You cannot deposit cheques through the Post Office.
Does Nationwide work with the Post Office?
Only for selected services. You can withdraw cash and check your balance, but you cannot deposit cash or cheques.
Can you pay cash into Monzo at the Post Office?
Yes. Monzo allows personal and business customers to make cash deposits using their cards. Counter withdrawals, balance enquiries and cheque deposits are not supported. Your Monzo account may apply deposit limits or fees, so check the app before visiting.
Does Starling work with the Post Office?
Yes. Personal and business customers can withdraw cash, check their balances and deposit cash. Cheque deposits are not available through Post Office branches.
Can you deposit coins at the Post Office?
You may be able to deposit coins when your bank supports cash deposits, but your bank can impose limits and coin-packaging requirements. Check the provider’s conditions before taking a large quantity of coins to a branch.
Is money deposited at the Post Office available immediately?
Card-based cash deposits will normally appear on the same day. Deposits using a paying-in slip normally appear on the next working day. Cheques take longer because the envelope must first reach your bank and then pass through its normal clearance process.
Is Post Office banking safe?
The Post Office describes its branches as secure places to complete everyday banking and advises you to retain transaction receipts. You should check the receipt before leaving and contact your bank directly if the amount credited to your account is incorrect.
