💵 Instant Cheque Cashing

Cash your cheque instantly — no bank required

Government, payroll, and personal cheques cashed same-day. Get your money via Interac e-Transfer in minutes. No account needed. Canada-wide service.

Cash My Cheque Now → See Fee Rates ↓

Royal Sample Bank of Canada

April 5, 2026

Pay to the order of

Mohammed Farooqui

One thousand five hundred and 00/100 dollars

$1,500.00

✓ Cashed Instantly · e-Transfer in 5 min

Transparent Pricing

Simple, flat fee rates

No hidden charges. The rate you see is the only fee you pay. Minimum fees apply for small cheques.

🏛️

Government

Gov't & CRA Cheques

1.5%

Minimum fee: $5.00

$500 chequeFee: $7.50Net: $492.50

$1,000 chequeFee: $15.00Net: $985.00

$2,000 chequeFee: $30.00Net: $1,970.00

✓ Lowest rate

Includes: CRA, OAS, CPP, EI, ODSP, Ontario Works, GST/HST credits, tax refunds

💼

Employment

Payroll Cheques

2.5%

Minimum fee: $8.00

$800 chequeFee: $20.00Net: $780.00

$1,500 chequeFee: $37.50Net: $1,462.50

$3,000 chequeFee: $75.00Net: $2,925.00

✓ Most common

Includes: employer payroll, direct-deposit cheques, HR-issued payments

🏢

Business

Business & Corporate

3.5%

Minimum fee: $12.00

$1,000 chequeFee: $35.00Net: $965.00

$2,500 chequeFee: $87.50Net: $2,412.50

$5,000 chequeFee: $175.00Net: $4,825.00

✓ Fast turnaround

Includes: vendor payments, contractor cheques, business-to-business

👤

Personal

Personal Cheques

Minimum fee: $15.00

$300 chequeFee: $15.00Net: $285.00

$750 chequeFee: $37.50Net: $712.50

$1,500 chequeFee: $75.00Net: $1,425.00

⚡ Same-day

Includes: personal bank cheques, certified cheques, money orders

📊 Full Cheque Cashing Rate Matrix

Exact fee & net payout for every cheque type and amount — no surprises.

Cheque Amount	Gov't / CRA 1.5% (min $5)	Payroll 2.5% (min $8)	Business 3.5% (min $12)	Personal 5% (min $15)	Certified 2% (min $5)

* Bold = LendX fee charged. Net = amount you receive via Interac e-Transfer. All amounts in CAD.

💰

How LendX earns revenue on cheque cashing

100% of the fee listed above is retained by LendX Financial Inc. as revenue. On a $1,000 payroll cheque, LendX earns $25.00. On a $5,000 business cheque, LendX earns $175.00. Volume of 50 cheques/month at average $1,500 = ~$2,250/month in revenue from this product alone.

Process

Cash your cheque in 3 steps

Simple, fast, and fully online. No branch visit required.

Submit your request

Fill out the form below with your cheque details and upload a photo or scan of the cheque. Takes under 2 minutes.

Instant verification

We verify the cheque with the issuing bank and confirm your identity. Most cheques are approved within 5–15 minutes.

Receive your funds

We send your net payout via Interac e-Transfer, bank deposit, or cash pick-up at our Toronto office. Funds arrive same day.

Mail or drop off cheque

You mail us the original cheque or drop it off in person. Payout is released immediately upon submission — no waiting required.

Payout Methods

Get paid your way

Multiple payout options — choose what works best for you.

⚡

Interac e-Transfer

Sent to your email or phone. Works with any Canadian bank account.

⏱ Under 5 minutes

🏦

Direct Bank Deposit

EFT deposit straight to your chequing or savings account.

⏱ Same business day

💵

Cash Pick-Up

Collect cash in person at our Toronto office. ID required.

⏱ Same day (walk-in)

📱

Mobile Wallet

Deposit to PayPal, Apple Cash, or other digital wallets.

⏱ Under 30 minutes

Who Qualifies

Eligibility & accepted cheques

✅ We accept

✅Canadian government cheques (CRA, OAS, CPP, EI)
✅Provincial benefit cheques (ODSP, OW, disability)
✅Employer payroll cheques
✅Business & corporate cheques
✅Certified cheques & money orders
✅Personal cheques (under $2,500)
✅Insurance settlement cheques
✅Legal settlement & estate cheques

📋 Requirements

🪪Valid government-issued photo ID
🇨🇦Canadian resident (any province)
📅Must be 18 years of age or older
📝Cheque payable to you (or your business)
💰Cheque amount: $100 – $10,000
📅Cheque dated within 6 months
🏦Drawn on a Canadian financial institution
📱Valid email or phone for Interac e-Transfer

Cash Your Cheque Now

Fill out the form below — we'll review and process your request within minutes. No obligation.

First Name *

Last Name *

Email Address *

Phone Number *

Cheque Type *

Cheque Amount *

Cheque Issuer / Payor

Preferred Payout Method *

Province *

Additional Notes

By submitting, you consent to LendX Financial contacting you to process this request. We never share your data with third parties. Subject to verification and approval. Not available in Quebec for personal cheques over $1,500.