Identification Reference Form - Individual Damaged Notes 2025

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You can take it to your bank or any post office and they should change it for you straight away. Theyll deal with the ripped note.
Banks and building societies happy to exchange the old notes include Halifax, Lloyds, Nationwide, Barclays, NatWest and Santander though keep in mind they may have a cut-off date.
If its torn, you can use some tape to repair the bill or you can exchange it at your local bank. If the damage is more dramatic you can take or mail the money to the mutilated currencydivision of the Bureau of Engraving and Printing where it will be reviewed by UScurrency experts.
If you possess more than half of a damaged euro banknote, or if you can prove that the missing part of the banknote has been destroyed, the national central bank can replace it. Intentionally mutilated or damaged euro banknotes are not replaced. As a general rule, replacement is free of charge.
If your money has suffered minor damage (minor tears, stains, soilage, etc.) but is still legible and usable, go ahead and use that currency as is. If its damaged but not mutilated, but you dont want to use that currency for some reason, youre qualified to exchange that money at your local bank.
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The Reserve Bank recommends that owners of damaged banknotes submit their damaged banknotes to their bank/financial institution. These institutions are encouraged by the Reserve Bank to accept all claims.

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