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3 working days excluding Saturday/Sunday. If you pay a cheque in on monday it will clear on Thursday. If you pay in a cheque on Wednesday it will clear the following monday as the weekend does not count as a working day.

There are many cheque exchange brokers, jewellers, pawnbrokers and second-hand stores that will cash your cheque on the day for a small fee (usually about 4 - 6 %). Make sure you have ID with you though.

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Q: How long does a check take to clear in the hsbc bank?
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