Before paying a tradesperson’s deposit

Understand why it is needed

A deposit may cover ordering materials or reserving time. Ask for its purpose, amount and cancellation terms in writing. No single percentage makes a deposit safe for every job.

Verify the payment details

Check that the payee matches the business you have agreed with. Independently verify unexpected changes to bank details using a previously established contact route. Obtain an invoice and keep receipts.

Choose with protection in mind

Check the protection available for the proposed payment method and transaction. Qualifying credit-card purchases may have Section 75 protection, but conditions apply. See MoneyHelper’s current guidance. Avoid assuming a small deposit or a scheme logo guarantees recovery.

Reviewed 4 October 2026 · ProtectMyQuote editorial guidance

Put the questions into practice

Our report organises questions for your type of job. Our agreement helps you record what is accepted. See the sample documents before deciding.

All homeowner guides