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Bacs has been maintaining the integrity of payment related services since 1968, with responsibility for the schemes behind the clearing and settlement of UK automated payment methods, Direct Debit and Bacs Direct Credit, as well as the provision of managed services for third parties, such as the Cash ISA Transfer Service, and the development, management and subsequent ownership of the Current Account Switch Service.


Account Switching Service

The Account Switching Service offers consumers, small businesses and small charities a simple, reliable and stress-free way of switching current accounts. The service is backed by the Current Account Switch Guarantee, which promises to reimburse account holders if they incur any fees or charges as a result of the switch over.

Cash ISA Transfer Service

The automated Cash ISA Transfer Service was introduced to improve the quality and ease of transfers, reduce paper flow and increase efficiency. Thanks to the service consumers can benefit from an improved experience, as transferring is easier and may be faster than before, due to a standard process that providers follow.

Bacs Schemes

Biller Update Service

The Biller Update Service, operated by Bacs on behalf of Payments UK, provides participating organisations with a centrally-managed facility to update and disseminate biller information. It allows receiving organisations to update and maintain their own biller lists which they provide to customers via telephone and internet banking channels. ​


Bacs offers a wide variety of materials and courses, to help organisations properly train their customer-facing staff in all elements of our payment products, processes and procedures. From simple paper reference guides, to a suite of online training materials, through to accredited external training courses provided by recognised third party companies.

Bulk Payment Redirection Service

The Bulk Payment Redirection Service (BPRS) is an innovative Bacs service offering an easy and cost-effective way to ensure payments continue to be received when a sort code and / or account
number is changed.

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