Notes and coins

1. When will notes and coins with the Queen’s image stop being legal tender?
   Current banknotes featuring the image of Her Majesty The Queen will continue to be legal tender. A further announcement regarding existing Bank of England banknotes will be made by the Bank once the period of mourning has been observed. 
   
   All United Kingdom circulating coins bearing portraits of Queen Elizabeth II remain legal tender and in circulation. Further information will follow from the Royal Mint.  

During the ten days of national mourning

2. Are banking services operating as normal during the days of national mourning?
   Yes, all banking services will be operating as normal during this period with the exception of the bank holiday on Monday 19 September (see below).
   
   The period of national mourning will continue until the end of the day of the Queen’s State Funeral.

On the bank holiday, Monday 19 September, the date of Her Majesty Queen Elizabeth II’s State Funeral:

3. Will Monday 19 September operate like other bank holidays?
   Yes, this bank holiday will operate in the same way as other bank holidays. There is further information on the arrangements on the gov.uk website.
    
4. Will bank branches be open?
   No, bank and building society branches will be closed on Monday 19 September. However, most telephone banking and online services will be open like a normal bank holiday.
    
5. Will I still be able to contact my bank?
   Yes, most telephone banking and online services will be available. However, as with other bank holidays, bank and building society branches will be closed.
    
6. Will I still be able to report fraud to my bank or building society?
   Yes, fraud reporting services will continue to operate as normal throughout this period.
   
   Criminals often seek to take advantage of major events as a cover story in order to commit fraud, so it is important to remain vigilant. Remember to follow the advice of Take Five to Stop Fraud and always take a moment to stop and think before parting with your money or personal or financial information.
    
7. I am due to be paid on Monday 19 September, will my salary still be paid into my account on that day? If not, when will it be?
   No, as with other bank holidays, such payments will not be made on Monday 19 September. Payments due on this date should instead appear in your account no later than the following day, Tuesday 20 September.
   
   On other bank holidays, some employers choose to make salary payments earlier than normal. Please speak to your employer if you have any questions regarding your salary payment.

8. I am due to receive a benefit payment on Monday 19 September, will it still arrive on that day? If not, when will it be? 
   The Department for Work and Pensions has put in place arrangements to ensure all benefits and credits that were due to be paid on Monday 19 September are credited to accounts by Friday 16 September, ahead of the bank holiday.

9. What support is available for customers in financial difficulty?
   Banks and other finance providers are ready to support their customers. Please contact your provider to discuss the options available to you. There is further information on the support available here.
    
10. Will Direct Debits and Standing Orders still go through?
    No, as with other bank holidays, Direct Debits and Standing Orders will not be processed on Monday 19 September. Such payments should instead be processed no later than the following day, Tuesday 20 September.
    
    Please speak to your bank or building society if you have any questions regarding your Direct Debits or Standing Orders.  

11. Will Faster Payments still operate?
    Yes, as with other bank holidays, Faster Payments will continue to operate 24/7.

12. Will it take longer for card payments to clear?
    Card payments will continue to operate as usual.

13. Will it take longer for cheques to clear?
    As with other bank holidays, cheques will take an extra day to clear.

14. Will CHAPS (the same-day cash settlement system) payments still go through?
    No, as with other bank holidays, the same-day cash settlement system (CHAPS) often used for high-value and time-critical payments, such as house purchases, will be closed on Monday 19 September. CHAPS will reopen the following day, Tuesday 20th.
    
    This includes where CHAPS payments are used for house purchase completions. Other organisations involved in the moving process may also be closed on Monday 19 September. Consumers due to move on 19 September should get in touch with relevant organisations such as their mortgage provider, conveyancer, removal firm etc. to understand the impact of the additional bank holiday on their planned move.
    
    The Law Society has also published information on the impact of the bank holiday on completions.