A check (American spelling) or cheque (British spelling) is a financial document that instructs a bank to pay a specific amount to a named recipient. In the U.S., checks are still used for tax refunds, government payments, insurance claims, and legal settlements. Cashing a check overseas typically involves delays and fees due to currency conversion, foreign processing, and compliance checks. Always check with your local bank or financial institution before attempting to cash a U.S. check abroad.

Wise (formerly TransferWise) does not support check deposits. However, it can be used to: • Receive payments via ACH or wire from a U.S. bank • Convert USD to your local currency at competitive rates If you receive regular payments from the U.S., Wise may be a good long-term alternative to checks.

If you received a U.S. Treasury check (e.g. IRS refund, Social Security, stimulus payment), be aware: • These checks are harder to cash internationally. • Most banks treat them the same as personal checks. • You may need to mail them to a U.S. bank or use a service like SDFCU. Important: U.S. Treasury checks are typically valid for 12 months from the date of issue. After that, you’ll need to request a replacement from the issuing agency

No. Most non-U.S. banks do not accept foreign checks, especially after 2021 regulatory changes. Even if accepted: • Processing times may be 4–8 weeks • Checks are sent “on collection,” meaning they’re not guaranteed • Fees can range from €15–€50 • Exchange rate losses may apply Always ask your bank about: • Accepted currencies and check origin • Limits per transaction • Required identification or forms

If a bank refuses your check: • Ask for the reason in writing • Check for mistakes (endorsement, date, damage) • Contact the issuer for a replacement • Report stolen/lost checks immediately • If check is older than 6 months, it may be considered stale-dated

Yes, some UK banks such as NatWest, Barclays, Lloyds, and HSBC still accept U.S. checks, usually by sending them for collection. You may need to send the check by post to a processing center. Always check with the bank first, as fees, limits, and timelines vary.

The fastest method is usually to mail the check to your U.S. bank (if you have one) and use their mobile deposit app or ACH transfer service. Other options like local bank collection or endorsement to a friend may take several weeks.

It depends on the bank. U.S. Treasury checks (e.g. IRS refunds or Social Security) are official government-issued checks and can sometimes be cashed where personal checks aren’t. However, most foreign banks still process them as collections and may refuse them. Having a U.S. bank account is the most reliable method.

No. American Express Travelers Cheques are prepaid instruments and are not processed the same way as regular personal checks. Some banks and exchange offices may still accept them, but they are becoming rare. If lost or stolen, they can be refunded by American Express.