المسحوب عليه هو الشخص أو الكيان الذي يُصدر شيكًا أو أمر دفع (مثل السندات) يُطلب منه سداد مبلغ معين لمستفيد. في سياق الشيكات، يكون المسحوب عليه عادةً هو البنك الذي يحتفظ بحساب المُصدر للشيك، والذي يجب أن يكون لديه رصيد كافٍ لتغطية المبلغ المدفوع. إذا كانت الشيكات محررة لمستفيد معين، فإن المسحوب عليه هو الشخص أو الكيان المسؤول عن دفع المبلغ عند تقديم الشيك.

The drawee is one of the three parties involved in the process of cashing a check, which also includes the payer and the payee. The drawee is the party that processes the check (usually a bank). The payer is the party that issues the check (and the amount will ultimately be deducted from their account). The payee is the person who receives the money.

Definition and Example of the Drawee

The drawee refers to the individual or institution that accepts and pays a specific amount of money to the payee. The drawee typically acts as an intermediary, redirecting funds from the payer’s account to the payee’s account. The drawee is usually a bank, but check-cashing services and even retail stores can also act as a drawee.

How Does the Drawee Work?

The drawee usually operates as an intermediary or agent during a financial transaction. In other words, they are the ones who transfer the funds from the payer’s account to the payee’s account. In most cases, the drawee is the bank used by the payer (i.e., the one making the payment). This bank is responsible for withdrawing funds from the payer’s account to pay the checks issued by the account holder.

For example, if your friend writes you a check from their Wells Fargo account, then Wells Fargo is the drawee. If your employer uses Chase Bank, then Chase is the drawee for your salary.

Any time you facilitate a money transfer – whether by writing a check, paying employees, or using online bill pay – your bank acts as the drawee because it is responsible for transferring the funds from your account to the payee’s account.

Types of Drawee

The drawee does not necessarily have to be a bank. It can also be an independent company facilitating money transfers, payment orders, or check cashing. However, it should be noted that for wire transfers themselves, there is no drawee since wires are paid from institution to institution rather than being withdrawn from a bank on a withdrawal order.

For example, suppose you use Western Union to transfer money to a relative overseas. Western Union and its bank would actually be the drawee – remember, they are the ones paying the money – as they facilitate the transaction. You would be the “sender” (i.e., the person initiating the transfer, usually referred to as the payer), and your relative would be the payee (i.e., the person receiving the money).

If you want to think outside the box, retail stores that accept coupons can also be an example of a drawee.

For example, let’s say you receive a coupon in the mail for $2 off a Tide product. You go to the local grocery store and hand them the coupon at checkout. In this case, the manufacturer is the payer because they issued the coupon. You are the payee because you receive the discount. The retail store is the drawee because it is legally obligated to honor the coupon.

Now assume Tide is on sale for $1.99, and you have a $2 coupon, resulting in the grocery store owing you a penny. The store will give you a penny, and then that amount is reimbursed by the manufacturer (i.e., the payer). The store doesn’t lose any actual money. They will simply be facilitating the process – just like a bank would if you were cashing a check.

Payer vs. Drawee

Payer Drawee

• Issues the check, payment order, or cashier’s check
• Processes the transaction
• Funds will ultimately be deducted from their account when settling the transaction

Drawee

• Directs funds from the payer’s account to the payee’s account
• Does not pay or receive any actual funds, but merely facilitates the transaction
• Typically
• The drawee is the paying bank

Thank you for your feedback!

References:

Cornell Law School, Legal Information Institute. “Payee.”

Cornell Law School, Legal Information Institute. “Drawee.”

Cornell Law School, Legal Information Institute. “Payor.”

Source: https://www.thebalancemoney.com/what-is-a-drawee-5205626

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