Lexi Webster
Writing a cheque in Australian dollars is similar to writing a cheque in any other currency. The process involves writing the amount in numeric form in the dollar box, located on the right side of the cheque, followed by writing out the amount in words in the larger field ending with the word dollars. It's important to use black or blue ink to prevent fraud and avoid making any alterations or amendments to the cheque. If you receive a foreign cheque in a different currency, you can convert it into Australian dollars through a bank or a specialised international check-cashing service, although additional fees and a less favourable exchange rate may apply.
| Characteristics | Values |
|---|---|
| What to write | The dollar amount in numeric and word form |
| Where to write | In the small box on the right and on the line below "Pay to the order of" |
| How to write the numeric amount | Start with the number of dollars, followed by a decimal point and the number of cents |
| How to write the word amount | Write out the dollar amount, then the number of cents in fraction format (e.g. "one hundred thirty and 45/100") |
| Cents | Include cents even if the amount is a round number (e.g. "and 00/100") |
| "And" | Include the word "and" before writing the number of cents |
| Ampersand or plus sign | Use an ampersand or plus sign instead of the word "and" |
| "Cents" | Do not include the word "cents" |
| Whole dollars | Write "No dollars and..." for amounts less than one dollar |
| Double zeros | Include double zeros for amounts less than one dollar |
| Comma and decimal point | Include a comma and decimal point for amounts over one thousand (e.g. 1,000.00) |
| Preventing fraud | Fill the entire section when writing out the dollar amount |
| Preventing fraud | Use black or blue ink to write the cheque |
| Preventing fraud | Never write a cheque in pencil |
| Mistakes | Write "VOID" in large letters across the cheque or on the date line, payee line, amount box, amount line, and signature line |
| Folding, stapling, pinning | Never fold, staple, or pin a cheque |
| Writing | Do not write or mark the MIRC code and cheque number |
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What You'll Learn
Write the amount in numeric form in the dollar box
When writing a cheque, it is important to remember to always write in pen, as pencil is erasable and could lead to fraud. It is also important to write clearly and avoid overwriting. Now, to write the amount in numeric form in the dollar box, you must first locate the small box on the right side of the cheque, next to the dollar sign. This is where you will write the amount in numbers.
If your amount is a round number, for example, $130, simply write the number 130 in the box. However, if your amount includes cents, you must include two digits to the right of the decimal point. For example, if you are writing a cheque for $8.15, you would write "8.15" in the dollar box, ensuring that your numbers are large enough to fill the entire space to prevent fraud.
If your amount is less than one dollar, use a zero to indicate that there are no whole dollars. For example, for a cheque of 50 cents, you would write "0.50" or "0.50/100". You can also write "No dollars and...." if you prefer. It is important to note that you should not write the word "cents" in the numeric box, as it is already implied.
Additionally, if your amount includes dollars and cents, be sure to include the word "and" before writing out the number of cents. For example, for a cheque of $100.50, you would write "one hundred and 50/100". Alternatively, you can use an ampersand ("&") or a plus sign ("+") instead of the word "and".
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Write the amount in words
When writing a cheque in Australian dollars, there are two places where you need to list the dollar amount. The first is in the small box to the right of the recipient's name, where you write the dollar amount numerically. The second location is directly below the recipient's name, where you write out the dollar amount in words.
When writing the amount in words, write the amount as far to the left as you can and then draw a line through any remaining space to the right to prevent someone from changing the amount. Start by writing out the dollar amount numerically. For example, if you are paying $130.45, write "one hundred [and] thirty". Then, write out the number of cents. The tricky part is putting the number of cents in fraction format. To do this, write the number of cents, followed by a slash, and then 100. For example, if you are paying $130.45, write "45/100" after "one hundred [and] thirty". This gives you "one hundred [and] thirty 45/100".
You might notice that the word "cents" doesn't appear in the example above. This is because it is not necessary to use the word "cents" when writing a cheque. It is sufficient to simply put the number of cents in the fraction format described above. However, if you want, you can write "and fifteen cents" instead of "45/100". It is also important to include the word "and" just before you write the number of cents. For example, write "one hundred and thirty 45/100" or "one hundred and thirty and fifteen cents".
If the dollar amount has no cents, it is still best to include "and 00/100" or "and 00 cents" for clarity. For example, if you are writing a cheque for $1,500, write out "one thousand, five hundred and 00/100" or "one thousand, five hundred and 00 cents".
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Include cents in fraction format
When writing a cheque in Australian dollars, you need to include the cents in fraction format. This is done by writing the number of cents, followed by a slash "/", and then the number 100. For example, if you are writing a cheque for $8.15, you would write "eight dollars and 15/100". You can also use an ampersand or plus sign instead of the word "and", so the amount could also be written as "eight dollars + 15/100".
The word "cents" is not typically included when writing the amount in this format. However, you can write out the number of cents if you prefer. For example, "eight dollars and fifteen cents" or "eight dollars & fifteen cents".
It is important to note that the fraction format is used to indicate the fractional amount of whole dollars. So, in the example of $8.15, the "15/100" represents 15 one-hundredths of a dollar, or 15 cents.
When writing a cheque, it is also important to include the dollar amount numerically in the small box on the right, next to the dollar sign. In this box, you would write the number of dollars, followed by a decimal point and the number of cents. So, for $8.15, you would write "8.15" in the box.
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Avoid using the word and
To write a cheque in Australian dollars, you need to follow a few important steps. Firstly, be sure to use pen, preferably in black or blue ink, as pencil is easy to erase and could lead to fraud. Begin by writing the date in the top right-hand corner, in the format DDMMYY. Next, on the line beginning "Pay to the order of", write the name of the recipient. If you don't know their exact name, you can write "cash", but be aware that this is risky if the cheque is lost or stolen.
Now, you need to write the amount in Australian dollars. There are two parts to this. First, write the amount numerically in the small box on the right, ensuring it is clear and accurate. Then, on the line below "Pay to the order of", write the amount in words. For example, for $130.45, you would write "one hundred thirty [and] 45/100". Note that you should avoid using the word "and" here. Instead, use the fraction format, with the cents amount over 100.
Finally, sign the cheque in the bottom right-hand corner, using the signature you use for your bank account. You can also add a memo, which is optional but can be helpful for keeping track of your payments.
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Use black or blue pen
When writing a cheque, it is important to use a black or blue pen. This is because these ink colours are dark and clear, making the amount and recipient easily legible. Additionally, black and blue ink are usually permanent, so the information on the cheque cannot be altered or tampered with. This helps to protect you from potential fraud.
It is also important to avoid writing a cheque in pencil as pencil is erasable. If a cheque is written in pencil, there is a risk that the amount or recipient could be changed if it falls into the wrong hands. Therefore, always use a black or blue pen to ensure the security of your cheque.
If you make a mistake when writing a cheque, you can void it by writing "VOID" in large letters across the cheque or in the date line, payee line, amount box, amount line, and signature line. It is important to use a black or blue pen for this as well, so that the voiding is clear and permanent. After voiding the cheque, be sure to record the voided cheque number in your cheque book and contact your bank if that cheque number is posted to your account.
In summary, always use a black or blue pen when writing a cheque to ensure clarity, permanence, and security.
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Frequently asked questions
Always use black or blue ink to write a cheque. This is because pencil, or erasable ink, can be manipulated by fraudsters.
Write the amount in a small box on the right of the cheque, next to the dollar sign. Include a decimal point and two digits to the right of it (e.g. $100 should be written as 100.00). If the amount is less than a dollar, put a zero before the decimal point (e.g. 0.50).
Directly below the recipient's name, write out the amount in words. For example, if the amount is $1,000, write "one thousand". If the amount includes cents, write the word "and" before the number of cents, then write the number of cents as a fraction over 100 (e.g. for 99 cents, write "99/100").
If you make a mistake, you can void the cheque by writing "VOID" in large letters across the face of the cheque, or writing "VOID" in the date line, payee line, amount box, amount line, and signature line.
