Deposits for tradespeople — when (and how much) is normal?
How much deposit is reasonable to pay a tradesperson, when it's a red flag, and how to protect your money on bigger jobs.
Updated 14 May 2026
Deposits are normal for jobs that need materials ordered up front. They become a problem when they're large, unexplained, or paid in cash with no paperwork. Here's the safe rule of thumb.
When a deposit is reasonable
Custom-made items (bespoke kitchens, made-to-measure windows, specialist boilers), large material orders (full bathroom suites, roof tiles for a re-roof), and scaffolding hire. In each case the trade is laying out their own cash to start.
How much is normal
Up to 25% of the job value, or the cost of the materials being ordered (whichever is smaller). For a £6,000 bathroom that's roughly £1,200–£1,500. For a £400 repair, no deposit at all.
Red flags
Asked for 50%+ upfront. Asked for the deposit in cash. Asked to pay before any contract or written quote exists. Asked to pay to a personal account with no business name. Any of these — walk away.
Stage payments
On larger jobs (extensions, full renovations) stage payments are standard: e.g. 10% on signing, 25% at first fix, 25% at second fix, 30% on practical completion, 10% retention 3–6 months later. Always agreed in writing before work starts.
How to protect your deposit
Pay by debit or credit card — Section 75 of the Consumer Credit Act protects credit-card payments over £100. Use a written contract or quote that names the business and includes their address. For very large jobs, a project bank account is becoming more common in the UK.
Frequently asked questions
What if the tradesperson takes my deposit and disappears?▾
Report immediately to Action Fraud (0300 123 2040) and your card provider for a chargeback. If you paid by bank transfer, contact your bank straight away — they may be able to recall the payment within 24 hours.
Is it OK to pay cash to avoid VAT?▾
No. It's illegal, and it leaves you with zero recourse if anything goes wrong. The 'saving' isn't worth losing all consumer protection.
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