Cash over the counter

Some accounts take and pay physical cash at a branch counter. Cash In and Cash Out are those two movements.

Cash is different from every other way money moves. There is no payment rail, no clearing, and no settlement date — the note changes hands and the balance changes with it. Both operations post on the spot.

Taking cash in

1. Open the account and select Cash In.
2. Type the Amount.
3. Confirm.

The balance rises immediately. Nothing is raised on a payment rail, because nothing has to travel anywhere.

Paying cash out

1. Open the account and select Cash Out.
2. Type the Amount.
3. Confirm.

You cannot pay out more than the current balance. If you try, the operation is refused and nothing posts.

Worked example

An account takes 500 in cash, then pays 200 out. The balance is 300.

What the account knows, and what it does not

A cash movement is recorded against the account. The drawer it came from is not.

The account’s balance is right the moment you confirm. Whether the till holds the notes you are paying out is a separate count, and the system does not make it: a cash withdrawal the customer is entitled to is accepted even when the drawer is empty. Balancing a counter’s takings is done outside these screens today.

The same two movements, seen from the counter rather than from the account, are on the cashier panel.

What your organisation configures

• Which products accept cash at all — most deposit products do not.
• The drawers each counter runs, held as reference data.
• Whether a cash movement needs a countersignature.