Our charity needs to make an urgent grant to someone who doesn't have a bank account. We *could* pay cash but that's a big hassle for various reasons. I realise this is for the bank, but as they're closed til Monday - Does anyone know if bills of exchange are still generally accepted by banks? Obviously the grantee can't have a cheque crossed "a/c payee", but perhaps I can write a letter to the bank "Pay Joe Bloggs or to his order £X". Then we would have a DIY open cheque. Any reason why the bank wouldn't accept it, if properly signed? Could he even endorse the document in someone else's favour, like in the good old days? Afaik Bills of Exchange Act is still in force; wondering whether practically the banks no longer do this.