How to Write a Cancelled Cheque: A Comprehensive Guide

Writing a cancelled cheque may seem like a simple task, but it is essential to understand the correct procedure to avoid any complications. Whether you need to provide a cancelled cheque for setting up automatic payments, verifying your bank account details, or any other financial transaction, this article will guide you through the process step by step. By the end, you will have a clear understanding of how to write a cancelled cheque and why it is necessary.

What is a Cancelled Cheque?

A cancelled cheque is a cheque that has been marked as “cancelled” by the account holder. It is used as a proof of ownership of the bank account and provides important information such as the account number, branch name, and MICR code. While the cheque itself cannot be used for any financial transaction, it serves as a document to verify the account details.

Why Do You Need a Cancelled Cheque?

A cancelled cheque is required for various purposes, including:

  • Setting up automatic payments: Many organizations, such as utility companies, insurance providers, and lenders, require a cancelled cheque to set up automatic payments from your bank account.
  • Verifying bank account details: When applying for a loan, credit card, or any other financial service, the lender may ask for a cancelled cheque to verify your bank account details.
  • Direct deposit: If you receive payments from your employer or government benefits directly into your bank account, they may ask for a cancelled cheque to ensure accurate deposit information.

Step-by-Step Guide to Writing a Cancelled Cheque

Follow these steps to write a cancelled cheque:

Step 1: Gather the Required Materials

Before you start writing a cancelled cheque, make sure you have the following materials:

  • A blank cheque from your bank account
  • A pen with permanent ink

Step 2: Fill in the Date

Start by filling in the date on the cheque. Write the current date in the designated space provided on the cheque. Make sure the date is legible and accurate.

Step 3: Write the Payee Name

In the “Pay” or “Pay to the Order of” field, write the word “CANCELLED” or “VOID” in capital letters. This indicates that the cheque is cancelled and cannot be used for any financial transaction.

Step 4: Cross Out the Bearer Word

Next, cross out the word “Bearer” on the cheque. This ensures that the cheque can only be deposited into the account mentioned on the cheque and cannot be encashed by anyone else.

Step 5: Sign the Cheque

Sign the cheque using your usual signature. Make sure the signature matches the one you have provided to your bank. This signature serves as proof that you are the account holder.

Step 6: Write “Cancelled” Across the Cheque

Finally, write the word “CANCELLED” or “VOID” across the entire face of the cheque. Use large, bold letters to ensure it is clearly visible. This step further emphasizes that the cheque is cancelled and cannot be used for any financial transaction.

Important Tips for Writing a Cancelled Cheque

Here are some important tips to keep in mind when writing a cancelled cheque:

  • Use a blank cheque: Always use a blank cheque from your own bank account. Do not use a cheque that has already been used or has any previous markings.
  • Use permanent ink: Use a pen with permanent ink to write the word “CANCELLED” or “VOID” and sign the cheque. This ensures that the markings cannot be easily erased or tampered with.
  • Write clearly: Make sure all the information on the cheque, including the date, payee name, and cancellation markings, is written clearly and legibly.
  • Keep a record: Before providing the cancelled cheque to anyone, make a photocopy or take a clear picture of it for your records. This will help you keep track of the cheque and its usage.


Writing a cancelled cheque is a simple yet important task that can have significant implications for various financial transactions. By following the step-by-step guide provided in this article, you can ensure that you write a cancelled cheque correctly and avoid any complications. Remember to use a blank cheque, write clearly, and keep a record of the cancelled cheque for your own reference. Now that you have a clear understanding of how to write a cancelled cheque, you can confidently provide it whenever required.


Q1: Can I use a cancelled cheque for making payments?

No, a cancelled cheque cannot be used for making payments. It is marked as “cancelled” to indicate that it cannot be used for any financial transaction.

Q2: Can I use a photocopy of a cancelled cheque?

In most cases, a photocopy of a cancelled cheque is accepted as a valid proof of account details. However, it is always recommended to check with the specific organization or institution requesting the cancelled cheque.

Q3: Can I use a cancelled cheque from a joint account?

Yes, you can use a cancelled cheque from a joint account. Make sure all account holders sign the cheque to indicate their consent for cancelling it.

Q4: How long is a cancelled cheque valid?

A cancelled cheque does not have an expiration date. However, it is always a good practice to provide a recent cancelled cheque to ensure the accuracy of the account details.

Q5: Can I use a cancelled cheque for international transactions?

Cancelled cheques are primarily used for domestic transactions. For international transactions, it is recommended to use other forms of verification, such as bank statements or electronic transfers.

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