Automated Return of Unapplied Credits Service
With billions of Bacs Direct Credits made annually, there are occasions when
the data sent by an organisation contains incorrect information.
Banks and building societies try to ensure that Bacs Direct Credits received
with incorrect details are applied to the appropriate accounts. Additionally,
manual intervention may be used to ensure an accurate account match.
If it is not possible to apply a Bacs Direct Credit to an account due to, for
example, the beneficiary being deceased or the account transferred, the item must be
returned to the bank account of the organisation which sent the payment.
ARUCS allows the receiving bank to return the Bacs Direct Credit
automatically to the organisation via the Bacs service and give appropriate
information by way of reason codes as to why the payment was unapplied.
Bacs returns the Bacs Direct Credit to the organisation’s bank and dispatches
a consolidated report to the organisation giving the reason for returning each
The ARUCS service is vital in helping the organisation keep an up to date
database and so ensure that further invalid Bacs Direct Credits are not sent
to the wrong bank account.
It is essential that you act on ARUCS advices promptly to ensure your payment records are kept up to date.