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Automated payments are at the very centre of the UK’s financial system, providing an essential service for both consumers and organisations.

Bacs is the company which runs Direct Debit in the UK. We also run the Bacs Direct Credit Scheme, which is used to pay salaries and settle invoices from suppliers; this is commonly referred to just as Bacs.

Bacs Payment Schemes Limited is now a wholly owned subsidiary of NPSO Limited (NPSO)

The systemically important operations for Direct Debit and Bacs Direct Credit as well as the Current Account Switch Service, Cash ISA Transfer Service and the Industry Sort Code Directory are now owned and operated by the new home for UK retail payments, the NPSO, from 1 May 2018. The new organisation is taking overall responsibility for the activities previously carried out by Bacs Payment Schemes Limited and Faster Payments Scheme Limited, and soon this will also include The Cheque & Credit Clearing Company Limited and UK Payments Administration Ltd. While now part of the NPSO, the Bacs team will continue to manage the company’s  products and services as normal. Neither consumers, service users, nor payment service providers (PSPs) will see any change. For further information, please visit

News centre
News centre
PRESS RELEASE Businesses urged to plan ahead to avoid Bank Holiday headaches
14 August 2018
August Bank Holiday is fast approaching and Bacs Payment Schemes Limited (Bacs), the company behind Direct Debit and Bacs Direct Credit in the UK, is reminding businesses to plan ahead to avoid missing important payment commitments.
16 August 2018 13:39 PM
@SwitchMyBankAcc: The new Current Account Switch Service ‘Switch Your Situation’ campaign, aimed at 18-24 year olds, went live earlier t…
14 August 2018 14:31 PM
Have you downloaded our 2018 processing calendar yet? If not, you can find it here:
Changing the face of UK payments
31 July 2018
NPSO are now responsible for 8.3 billion retail payments worth £6.7 trillion – that’s as a result of bringing Bacs, and Faster Payments together under a single roof earlier this year, with Cheque and Credit Clearing having joined on 1 July.
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