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Do you still use cheques as payment?

Cheques books have been used in the UK for over 350 years but they are now on the decline.

In the UK 558 million cheques were issued in 2015 dramatically down from the four billion issued back in 1990. In Holland cheques are not used at all while in Switzerland, Germany and Belgium they are rarely used nowadays.

Reasons for their decline are due to payments over the internet, the use of direct debit and debit/credit cards. Now the UKs largest producer of cheques, IPSL, has said that sadly 600 out of 1,300 of its workforce will have to go.

Many banks had planned to abolish cheques as a form of payment by 2018 but in 2011 there was an outcry among customers and their use was extended. While only 5% of youngsters aged between 18-24 years ever use cheques, over 65% of those aged over 65 do still use them.

Do you still use cheques or do you find it easier to use other methods of payment? Do you think our society will still be using cheques in 10 years time? Will the use of credit/debit cards and payment over the internet supersede them totally?

 

Do you still use cheques as payment?

807 people have already voted, what's your opinion? Yes I do No - not anymore

What are your views?

We'd love to hear your comments

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wynw
5 days ago
0
Thanks for voting!
I use cheques when posting cards for birthdays etc, but mostly use a debit card now
MorrisandDoris
16th Dec 2016
0
Thanks for voting!
Cheques are out of date thats one of the reasons Banks are closing Branches and the same with Post Offices ,the Internet is taking over everything !
Carole H
12th Dec 2016
0
Thanks for voting!
Yes, but decreasing very quickly.
nannyflack
9th Dec 2016
0
Thanks for voting!
I bank online and use a debit card quite happily but sometimes I use a cheque, never out of the house but if window cleaner or gardener comes and I don't have enough cash to hand I give a cheque. That is why I hope they don't take away cheque books. For all the small businesses who doorstep their customers and don't have card machine of whom I am sure there are many.
Zia
5th Jan 2017
0
Thanks for voting!
Yes same here they are handy to have just in case of emergencies too.
LAW
9th Dec 2016
0
Thanks for voting!
Cheque books I have to admit a really a 'thing of the past'! With all the new technology that is available they do not have the place in our daily lives as they used to. Having said that, it could still be the only way pensioners can pay bills etc. Not everyone has access to computers, so maybe they should be around for a few more years yet? If the banks could hold a day course for customers to use a debit card? Once they get used to these the cheques would 'bounce' out of their mind!
Foxylady47
9th Dec 2016
-1
Thanks for voting!
Yes, I do, and complete them using my fountain pen!
HJR58
9th Dec 2016
-1
Thanks for voting!
Very rarely. I hate getting them too as it means a trip to the bank to pay them in. Would rather have cash or a voucher.
Daisycat4
5th Dec 2016
-1
Thanks for voting!
I write cheques because I am not completely satisfied that the credit cards are completely safe.
annggel
21st Nov 2016
0
Thanks for voting!
The honest tradesman who accepts cheques I much prefer, as the others seem to be evading the taxman. Makes me feel I am getting a better service.
thefilthycripple
21st Nov 2016
0
Thanks for voting!
I still use cheques to a degree it gives me more control ,otherwise all and sundry are dipping in to my account .Despite the direct debit guarantee it is usually a hassle to get your own money back
Hel19
21st Nov 2016
1
Thanks for voting!
Many older people still use cheque books. When you've had a bad experience online with hackers it is understandable to revert back to individual total control with cheques. Many small associations and clubs and charities still use cheque books. The banks with their appalling reputation in the not too distant past are hardly qualified to be dictatorial in this situation
Beth90
21st Nov 2016
1
Thanks for voting!
I occasionally use checks if I have to send money through the post
mgbette
18th Nov 2016
1
Thanks for voting!
Only when no other way is possible or offered.
betsyboo
18th Nov 2016
2
Thanks for voting!
Very occasionally when no other payment is available. I don't think we will be using them for much longer as Internet banking is so much easier.
Ansula
14th Nov 2016
1
Thanks for voting!
Mainly use cheques for donating to Charities, I do not like to give out my bank details. I have a number of preferred charities but cannot afford to give to them all on a regular basis so I donate in turn. If cheques are withdrawn then these charities will definitely miss out.
Dayzee
14th Nov 2016
1
Thanks for voting!
Some charities rely on cheques. Not all benefactors want to set up direct debits so charities would lose out if cheques were done away with
fhsgb
14th Nov 2016
1
Thanks for voting!
Do use online banking & cards.Member of 2 U3A Groups,that use cheques for membership and payment for social events.
paisley pattern
14th Nov 2016
3
Thanks for voting!
I use my debit card for most things these days.
maryE
14th Nov 2016
2
Thanks for voting!
Very few places now accept cheques
Pamelajones
13th Nov 2016
1
Thanks for voting!
Jazzy27
13th Nov 2016
2
Thanks for voting!
I haven't used cheques in years, I never liked using them when I did really. It never felt real for some reason. I have always preceded cash. Now it mostly card.
Rose Grace
12th Nov 2016
0
Thanks for voting!
I still use cheques for paying for items sent for by post, and for paying companies who prefer cheques or postal orders. I find it easier to keep a record of expenses in this way.Please write your comments here...
Bluekat
12th Nov 2016
1
Thanks for voting!
I still use cheques for sending as gifts, paying in local small shops, milkman and window cleaners etc. Saves carrying cash, and also have a record of payments, keeps an eye on credit balance too. I also use cards when accepted.
sus1eQ
12th Nov 2016
1
Thanks for voting!
I stopped using cheques a long time ago, as people didn't seem to accept them, especially the supermarkets
stephcoombes
12th Nov 2016
1
Thanks for voting!
I will still write a cheque if requested by the payee. But normally I prefer to pay by direct debit, or credit and debit card.
Champs51
12th Nov 2016
1
Thanks for voting!
I havnt used a cheque in years then I had to pay to have my dogs chip changed when I took him in and they needed a cheque. I spent 2 days trying to find my cheque book lol
sheilie
12th Nov 2016
1
Thanks for voting!
There are just a couple of companies who don't offer other methods of payment so have to use a cheque
Sidestep15
12th Nov 2016
1
Thanks for voting!
I only use cheques when renewing subscriptions when that is the only way available, otherwise I use cards either on line or in person.
brenslats
11th Nov 2016
1
Thanks for voting!
I love Hotter shoes! They have the right idea about designing for comfort and foot health. Brenda Slater, retired Podiatrist.
bugsbunny
11th Nov 2016
1
Thanks for voting!
Can't remember the last time I used a cheque and find it annoying when I receive one as nowhere anywhere nearby to pay cheques in.
malcolm budding
11th Nov 2016
0
Thanks for voting!
Only for the odd purchase. I don't like paying by card on line.
lpyall
11th Nov 2016
1
Thanks for voting!
Use it as a way of sending young family members money as a present.
Barton babe
11th Nov 2016
2
Thanks for voting!
I have posted two cheques off today and will be sending six off for Christmas gifts shortly. I would not be without a cheque book they are so handy. I do have a card as well.
isambardcat
11th Nov 2016
1
Thanks for voting!
I still use cheques for paying builders, window-cleaners and the like, termly fees for the Indonesian music group that I play in, trips and activities for U3A and my work's retired members group, other odd casual payments for which cash is inappropriate. There are still a lot of people who don't bank online or have card machines.
Role
11th Nov 2016
0
Thanks for voting!
I find cheques useful when paying membership fees for various organisations - also have proof of payment.
Birdie McBirdface
11th Nov 2016
1
Thanks for voting!
Funnily enough, I received a cheque in the post today, made out to me, from HMRC, for the princely sum of £1.20 - an overpayment of income tax by my mother, who passed away in May this year. I, of course, rushed down to my bank to pay this in so that it would clear and I could spend, spend, spend in readiness for Christmas 😉
Kezziedog
11th Nov 2016
1
Thanks for voting!
Yes couldn't do without them , at least you have proof of paying ....as I have found out !
katie123
11th Nov 2016
1
Thanks for voting!
I do have a c/book just in case - you never know ha ha
JR73
11th Nov 2016
1
Thanks for voting!
Only use cheques about once a month.
pink rose
11th Nov 2016
1
Thanks for voting!
I do still use cheques. 1) To have 2 signatories on charity cheques 2) for birthday presents, it's not the same using a debit card to transfer the money.
Ann Cobb
11th Nov 2016
1
Thanks for voting!
Albeit very rarely I still do use cheques
Annie2406
11th Nov 2016
1
Thanks for voting!
My cheque book is all but redundant now. There is one place my husband and I stay where they only take cheques. Apart from that, I do t use them at all. xxxxxx
Philip 1
11th Nov 2016
2
Thanks for voting!
Couldn't tell you the last time I used mine.
Ktrott1998
11th Nov 2016
3
Thanks for voting!
I now only have to write a cheque about once a year to pay my local plumber/heating engineer. Even my window cleaner has gone over to electronic payment, so my cheque book will soon be a museum piece.
Brodders01
11th Nov 2016
1
Thanks for voting!
I tend only to use cheques now if I order something by post or sending presents to the grandchildren.
Gayle Pattie
11th Nov 2016
1
Thanks for voting!
Needed when post items or orders
ChristineNo7
11th Nov 2016
1
Thanks for voting!
My hairdresser still takes cheques, but not cards.
Dsnapper46
11th Nov 2016
1
Thanks for voting!
I only use my cheque book on rare instances but as I run a camera club we use the chequebook to pay for items for the club as it needs two out of three signatures.
It's a good fall back!.
MissW52
11th Nov 2016
0
Thanks for voting!
I use cheques whenever I have to pay for something in the post.
Blanche bird
11th Nov 2016
1
Thanks for voting!
I use cheques, for post&package, and payments to a catalogue.
eileencording
11th Nov 2016
2
Thanks for voting!
I use cheques when I send for things from magazines
alisonmay
11th Nov 2016
2
Thanks for voting!
I only use cheques rarely for gifts etc. Prefer cards.
suzij64
11th Nov 2016
1
Thanks for voting!
I use cheques to pay the bills: gas, electricity, water, council tax and credit card etc. My son in his 20s also does the same. Online banking is useful only while you have a good and secure internet connection.
Theoldgirl
11th Nov 2016
0
Thanks for voting!
Yes we still use our cheque book, to,pay for job we have done.
ArchieUK
11th Nov 2016
1
Thanks for voting!
I use cheques for,
Burgler alarm service,
Boiler service,
Computer service,
and odd other things,
Credit cards and debit cards are great and very useful but local tradesmen do not always take them.
Wilf
11th Nov 2016
1
Thanks for voting!
I think local tradesmen like cash! Years ago mine did.
Munsterlander
10th Nov 2016
2
Thanks for voting!
I just use my credit cards...have to say I have not used cheques for months or even years.
LittleMinx
10th Nov 2016
2
Thanks for voting!
There is still a need for a cheque book, I use it now and then. My local pub takes cash only. Let us not be too quick to get rid of the faithful cheque book.

n.b. What happens if the power grids go down? nobody will be able to use credit cards.
Munsterlander
10th Nov 2016
2
Thanks for voting!
Good point you make here if power goes down in a shop you cannot use your credit card. i never thought of that. Think I will just take 1 cheque around with me as a safeguard against this. Good idea!
Alicia
10th Nov 2016
4
Thanks for voting!
I can not use them as shops do not take them! Easier to use debit card anyway.
Pete the feet
10th Nov 2016
3
Thanks for voting!
I like the option to use a cheque sometimes.
Wilf
21st Nov 2016
0
Thanks for voting!
Yes good to keep a few in your wallet
Dollie
10th Nov 2016
3
Thanks for voting!
A lot of places refuse to take cheques anymore.
jeanmark
10th Nov 2016
1
Thanks for voting!
Only when there is no other option.
jeanymay
10th Nov 2016
4
Thanks for voting!
Very rarely I do still find the need to use a cheque, and it's nice to have the option
Wilf
9th Nov 2016
3
Thanks for voting!
Once in a blue moon. I cannot even write anymore and find I am totally incompetent writing out cheques. I do them for our plumber and if i have to pay any other workmen but mainly just use cash or a debit card. My kids in their 20s dont even know what a chequebook is...in fact they dont even use cash-they are the Uber society!
sparkles
9th Nov 2016
5
Thanks for voting!
Only occasionally, but sometimes it's needed in some situations.
JohnHerb
9th Nov 2016
3
Thanks for voting!
I have really stopped using cheques. Never seem to have an occasion when I do need to use them as I have an internet bank account and pay in shops with credit cards its just so easy. My iphone has Apple pay on it and while I have not used it yet I will do. i also like the contactless way of paying for smaller items when you just have to touch your credit card on the payment machine. When I was a boy many many moons ago it was all cash and indeed pounds, shillings and pence and threepence pieces. Amazing how we have come so far in such a short space of time and whats more all adapted to it. I have no doubt that in 50 years time you will just look at a machine and it will check your Iris recognition and debit your bank account...thats if banks are still around then as well?

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