Drawer vs. Drawee: Know the Difference

By Shumaila Saeed || Updated on December 25, 2023

"Drawer" refers to the person who writes or signs a check or draft, while "Drawee" is the entity (usually a bank) upon whom the check or draft is drawn and who is asked to pay the amount.

Drawer vs. Drawee

Key Differences

The "Drawer" is the individual or entity that initiates a financial transaction by writing a check or draft. In contrast, the "Drawee" is usually a financial institution that is requested to pay the specified amount on the check or draft written by the drawer.

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The "Drawer" holds the responsibility of ensuring there are sufficient funds for the transaction. Meanwhile, the "Drawee" has the legal obligation to honor the draft or check, provided the account has adequate funds and the transaction is valid.

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When writing a check, the "Drawer" is the account holder who signs the check. The "Drawee," in this case, is the bank where the drawer holds their account and which is expected to pay the check's amount to the payee.

Nov 29, 2023

The "Drawer" essentially commands the "Drawee" to pay a specified sum to a third party (the payee). This relationship is a key aspect of many financial instruments, like checks and bills of exchange.

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The "Drawer" must ensure the accuracy and legality of the transaction. The "Drawee," on receiving the draft or check, must verify its authenticity and the availability of funds before completing the transaction.

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Comparison Chart

Role

Initiates the transaction

Completes the transaction

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Example in Finance

Writes or signs a check or draft

Bank or financial institution

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Legal Obligation

Ensure sufficient funds, legality of check

Verify and process payment

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Relationship

Commands payment

Asked to make payment

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Example in a Check

Account holder who signs the check

Bank where the check is to be cashed

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Drawer and Drawee Definitions

Drawer

A boxlike storage compartment

She kept her socks in the top drawer.

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Drawee

A party addressed in a bill of exchange

The drawee agreed to the terms of the bill.

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Drawer

An artist who creates drawings

The drawer captured the landscape beautifully.

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Drawee

The institution responsible for payment

As the drawee, the bank had to ensure funds were available.

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Drawer

A draftsperson in engineering

The drawer completed the technical schematics.

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Drawee

A person or organization that is to pay a draft

The drawee was given notice of the payment due.

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Drawer

A person who draws out funds

As a drawer, she withdrew cash from her account.

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Drawee

A bank on which a check is drawn

The drawee bank processed the check efficiently.

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Drawer

A person who draws a check

As the drawer of the check, he ensured it was correctly filled out.

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Drawee

The entity to pay a draft

The drawee was instructed to pay the specified amount.

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Drawer

One that draws, especially one that draws an order for the payment of money.

Oct 19, 2023

Drawee

The party on which an order for the payment of money is drawn.

Oct 19, 2023

Drawer

(also drôr) A boxlike compartment in furniture that can be pulled out and pushed in.

Oct 19, 2023

Drawee

(legal) The party directed to pay the amount of a draft or cheque.

Oct 19, 2023

Drawer

Drawers (drôrz) Underpants.

Oct 19, 2023

Drawee

The person on whom an order or bill of exchange is drawn; - the correlative of drawer.

Oct 19, 2023

Drawer

An open-topped box that can be slid in and out of the cabinet that contains it, used for storing clothing or other articles.

Oct 19, 2023

Drawee

The person (or bank) who is expected to pay a check or draft when it is presented for payment

Oct 19, 2023

Drawer

(GUI) A side panel containing supplementary content.

Oct 19, 2023

Drawer

Agent noun of draw; one who draws.

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Drawer

An artist who primarily makes drawings.

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Drawer

(banking) One who writes a bank draft, check/cheque, or promissory note.

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Drawer

A barman; a person who draws the beer from the taps.

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Drawer

Someone who taps palm sap for making toddy.

Oct 19, 2023

Drawer

A wagoner or person who pushes underground tubs.

Oct 19, 2023

Drawer

One who, or that which, draws

Oct 19, 2023

Drawer

That which is drawn

Oct 19, 2023

Drawer

A boxlike container in a piece of furniture; made so as to slide in and out

Oct 19, 2023

Drawer

The person who writes a check or draft instructing the drawee to pay someone else

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Drawer

An artist skilled at drawing

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Repeatedly Asked Queries

Is the "drawee" always a bank?

Usually, but a drawee can be any entity upon whom a financial document is drawn.

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Who is a "drawee"?

A "drawee" is typically a bank that is asked to pay the amount on a check or draft.

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What happens if a "drawee" refuses a check?

If a "drawee" refuses a check, it is usually due to insufficient funds or suspicious activity.

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Are "drawer" and "drawee" terms used outside of banking?

Primarily, they are used in banking and finance, but can apply to any transaction involving a draft.

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Can a "drawer" be a company?

Yes, a "drawer" can be an individual or a company.

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What is the responsibility of a "drawer"?

The "drawer" must ensure there are sufficient funds for the transaction.

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What does a "drawee" do when presented with a check?

The "drawee" verifies the check and pays the specified amount if funds are available.

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Can a "drawee" charge fees?

Yes, a "drawee" can charge fees for processing checks, especially for bounced checks.

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What is a "drawer" in banking?

A "drawer" is the person who writes or signs a check.

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Can a "drawer" cancel a draft?

Yes, a "drawer" can cancel a draft before it has been processed.

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Can a "drawer" stop payment on a check?

Yes, a "drawer" can issue a stop payment order on a check they have written.

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Who is liable if a check bounces?

The "drawer" is typically liable for any issues with the check they have issued.

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Can a "drawee" be a person?

Yes, if the person is responsible for paying a draft or bill.

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Does a "drawer" need a bank account?

Yes, a "drawer" needs a bank account to issue a valid check.

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What is the role of a "drawee" in a bill of exchange?

The "drawee" in a bill of exchange is responsible for paying the amount to the beneficiary.

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Is a "drawer" the same as a payor?

Yes, in the context of checks and drafts, a "drawer" is essentially the payor.

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How does a "drawee" verify a check?

The "drawee" verifies the signature, account details, and available funds.

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What is a "drawer's" signature?

It is the signature of the person who wrote the check, necessary for its validity.

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Can a "drawee" be liable for a faulty check?

Yes, if the "drawee" fails to identify a forgery or error, they can be liable.

Nov 29, 2023

Is a "drawer" responsible for forged checks?

The "drawer" may be responsible, depending on the circumstances of the forgery.

Nov 29, 2023

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About Author

Written by

Shumaila Saeed, an expert content creator with 6 years of experience, specializes in distilling complex topics into easily digestible comparisons, shining a light on the nuances that both inform and educate readers with clarity and accuracy.

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