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- A banker's draft (also called a bank cheque, bank draft in Canada or, in the US, a teller's check) is a cheque (or check) provided to a customer of a bank or acquired from a bank for remittance purposes, that is drawn by the bank, and drawn on another bank or payable through or at a bank. A normal cheque represents an instruction to transfer a sum of money from the drawer's account to the payee's account. When the payee deposits the cheque into their account, the cheque is verified as genuine (or 'cleared', a process typically taking several days) and the transfer is performed (usually via a clearing house or similar system). Any individual or company operating a current account (or checking account) has authority to draw cheques against the funds stored in that account. However, it is impossible to predict when the cheque will be deposited after it is drawn. Because the funds represented by a cheque are not transferred until the cheque is deposited and cleared, it is possible the drawer's account may not have sufficient funds to honour the cheque when the transfer finally occurs. This dishonoured or 'bounced' cheque is now worthless and the payee receives no money, which is why cheques are less secure than cash. By contrast, when an individual requests a banker's draft they must immediately transfer the amount of the draft (plus any applicable fees and charges) from their own account to the bank's account. (An individual without an account at the issuing bank may request a banker's draft and pay for it in cash, subject to applicable anti-money laundering law and the bank's issuing policies.) Because the funds of a banker's draft have already been transferred they are proven to be available; unless the draft is a forgery or stolen, or the bank issuing the draft goes out of business before the draft is deposited and cleared, the draft will be honoured. There is a caveat in that the bank protocols may declare the draft too old to be valid; this has been known to happen when the draft is over six years old. Like other types of cheques, a draft must still be cleared and so it will take several days for the funds to become available in the payee's account. A bank draft is not the same as a cashier's check, which is a check that is 1.
* drawn on a bank; 2.
* signed by an officer or employee of the bank on behalf of the bank as drawer; 3.
* a direct obligation of the bank; and 4.
* provided to a customer of the bank or acquired from the bank for remittance purposes. Under English law a banker's draft is not a bill of exchange because it is not drawn on a third party (it is drawn on the bank itself). (en)
- Le chèque de banque est un chèque bancaire particulier dont le principal avantage est d'assurer au créancier, sous certaines réserves, le paiement de la somme due puisqu’il est assuré directement par l’organisme bancaire. (fr)
- Wesel aksep atau juga dikenal dengan nama Bank draft atau Banker's draft adalah surat berharga yang berisi perintah tak bersyarat dari bank penerbit draft tersebut kepada pihak lainnya (tertarik) untuk membayar sejumlah uang kepada seseorang tertentu atau orang yang ditunjuknya pada waktu yang telah ditentukan.Bank draft ini adalah cek namun sumber dana pembayarannya adalah berasal dari rekening bank penerbit bukan dari rekening nasabah perorangan. (in)
- Бáнківська трáтта (англ. banker's draft) — тратта, що містить письмовий наказ банку, в якому вкладено кошти іншого банку, сплатити визначену суму грошей конкретній особі у певний строк. Такі тратти переважають звичайні торгові тратти, оскільки вважають більш належними і враховуються з меншим дисконтом. Є дві форми банківської тратти: строкова тратта (англ. time draft), на якій вказується банкові сплатити певну суму за визначеною датою, і тратта на подавця (англ. sight draft), на якій вказується сума, яку банк повинен виплатити конкретній особі. (uk)
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- Le chèque de banque est un chèque bancaire particulier dont le principal avantage est d'assurer au créancier, sous certaines réserves, le paiement de la somme due puisqu’il est assuré directement par l’organisme bancaire. (fr)
- Wesel aksep atau juga dikenal dengan nama Bank draft atau Banker's draft adalah surat berharga yang berisi perintah tak bersyarat dari bank penerbit draft tersebut kepada pihak lainnya (tertarik) untuk membayar sejumlah uang kepada seseorang tertentu atau orang yang ditunjuknya pada waktu yang telah ditentukan.Bank draft ini adalah cek namun sumber dana pembayarannya adalah berasal dari rekening bank penerbit bukan dari rekening nasabah perorangan. (in)
- Бáнківська трáтта (англ. banker's draft) — тратта, що містить письмовий наказ банку, в якому вкладено кошти іншого банку, сплатити визначену суму грошей конкретній особі у певний строк. Такі тратти переважають звичайні торгові тратти, оскільки вважають більш належними і враховуються з меншим дисконтом. Є дві форми банківської тратти: строкова тратта (англ. time draft), на якій вказується банкові сплатити певну суму за визначеною датою, і тратта на подавця (англ. sight draft), на якій вказується сума, яку банк повинен виплатити конкретній особі. (uk)
- A banker's draft (also called a bank cheque, bank draft in Canada or, in the US, a teller's check) is a cheque (or check) provided to a customer of a bank or acquired from a bank for remittance purposes, that is drawn by the bank, and drawn on another bank or payable through or at a bank. A bank draft is not the same as a cashier's check, which is a check that is Under English law a banker's draft is not a bill of exchange because it is not drawn on a third party (it is drawn on the bank itself). (en)
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- Banker's draft (en)
- Wesel aksep (in)
- Chèque de banque (fr)
- Банківська тратта (uk)
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