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Maintaining payment records


​Service user’s role in the Current Account Switch Service

The Current Account Switch Service provides a simple, hassle-free service for consumers, charities, small businesses and trusts to move their current account from one bank or building society to another. But what does this mean for you as a Direct Debit or Bacs Direct Credit service user? Your role in the Current Account Switch Service is to ensure payments are made and/or collected successfully.

To ensure payments are successful you must access and action messaging advices which detail payments impacted by a switch.

In fact the Bacs scheme rules state you must act on these advices within 3 working days of the report being available. 

Keeping payment details up to date

When a current account switch occurs and whenever a payment is made to the old account, an Automated Direct Debit Amendment and Cancellation Service (ADDACS) advice notice or an Advice of Wrong Account Credits Service (AWACS) is generated.

The Direct Debit Scheme rules and The Bacs Direct Credit Scheme rules require you to collect and action advices within three working days of them being available to you.

Failure to act on advices has potential implications on the Service i.e. the collection may fail and be returned unpaid or the payment you are making may be returned. This could impact you as well as you customer.

How to collect reports

We have prepared a number of helpful tools demonstrating the step-by-step process to collect messaging reports. If you are using a bureau you should speak to them to confirm whose responsibility it is to access and action reports.


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