It appears that for a considerable number of years there has been a practice in Australia of bankers issuing what have come to be known as "bank cheques" at the request of customers who have some reason to provide cash or its equivalent in commercial transactions - see Union Bank of Australia v. McClintock [1] and Manning and Farquharson: Banker and Customer in Australia (1947), p. 38. These are drafts drawn by a bank usually on itself but occasionally upon another bank: in either case they are issued in the form of cheques. It has been questioned whether a draft of this kind is a cheque within such a provision as s. 78 of the Bills of Exchange Act. The question arose because the definition of cheque incorporates that of bill of exchange and a cheque drawn by a bank upon itself is not "addressed by one person to another" within the latter definition (which is now contained in s. 8 (1) of the Bills of Exchange Act): see McClintock v. Union Bank of Australia Ltd. [1] . In 1932, s. 88A was inserted in the Bills of Exchange Act making a banker's draft payable on demand drawn by or on behalf of a bank upon itself a cheque for the purposes of the crossed cheque provisions of the Bills of Exchange Act. However, although it may be more accurate to refer to a bill of exchange drawn by a bank on itself as a banker's draft, the nomenclature "bank cheque" is, and has for long been, used in Australia to describe instruments of this kind. Such instruments are in common use by solicitors in the settlement of transactions, including real property transactions, in cases where it is inconvenient to carry currency and cash or its equivalent is required on a settlement. The expression "banker's cheque" may be somewhat wider in meaning than "bank cheque" in that it may include a cheque drawn by a bank upon another bank as well as a "cheque" drawn by a bank upon itself, but it is clear that both expressions, "banker's cheque" and "bank cheque", refer only to a "cheque" which is drawn by a bank.