Who is identified as the drawer of a cheque?

The drawer of a cheque is the individual or entity that writes and signs the cheque, effectively ordering their bank to pay a specified amount of money to the person or entity named on the cheque. In this context, the bank's customer is the one who has an account with the bank and thus has the authority to issue cheques. This means they are the ones who provide the necessary signature and details on the cheque to authorize the transaction.

Understanding this role is fundamental to recognizing the flow of cheque transactions, where the drawer (the bank’s customer) instructs the bank to pay the payee, who is the recipient of the cheque. The other options refer to different roles in the transaction: the person receiving the payment (the payee) is not involved in creating or signing the cheque, the bank manager does not typically perform the function of issuing a cheque, and the drawee is the bank that processes the cheque upon presentation, but is not the one who writes it. Thus, the identification of the bank's customer as the drawer is crucial for understanding how cheque payments work.