Payment Redirection

From the 16th September 2013, the Current Account Switching Service comes in to effect. When a payment is made to a switched bank account, it may be transferred to the beneficiary’s new account for up to 13 months, from the date the account is closed. For more information about the Current Account Switching Service, please visit the Payments Council Website.

If the account you have sent the money to has switched, the new bank account details will be displayed  
For faster payments on the Faster Payment Redirect Report, on the following working day.
For Bulk Bacs payments on the AWACS report

Why should I check this?

The report provides you with sufficient authority to update the beneficiary’s bank details, so any future payments can be sent directly to the new account.

Although the payments will automatically be forwarded to the new bank details for a maximum of 13 months, you should update the beneficiary details as soon as convenient to ensure that no payments are rejected after this time.

For Faster Payments click here

The report will be displayed in Statements and Reports > Faster Payment Redirect Report, on the day after the payment send date, so please check this report regularly.
When you check the report, the following details of the payment are shown:

  1. Beneficiary Name
  2. Old/Existing Bank Details
  3. New Bank Details
  4. Payment Reference
  5. Amount

You should save the report or make a note of the new bank account details as you will need these shortly.

What do I update?

Once you have recorded the beneficiary details from the report, you should follow one of the procedures below.

To amend existing Beneficiary details:

As you are not able to amend an existing beneficiary, you will have to delete the old beneficiary, and re-add them with the new details.

  1. Log in to the FD Online
  2. Click Beneficiaries in the left hand margin
  3. Click Beneficiary Search
  4. Find the existing beneficiary in the list (you can navigate between pages by using the Next page and Previous page buttons)
  5. Tick the box to select the beneficiary you want to amend
  6. Click the Edit button at the bottom of the page
  7. Use the scroll bar to move to the bottom of the page.
  8. Delete the old Sort Code and account number.
  9. Add the new Sort Code and account number and click the find bank button
  10. Click the Update button at the bottom of the page
  11. You will now be taken to a screen showing the old and the new details – check the new details are correct.
  12. At the bottom of the page you will be prompted for your token details for security. Once you have entered these details click confirm.
  13. You will then receive a confirmation message at the top of the screen
    [8501] Record Updated Successfully and Pending Activation.

To amend future dated or recurring payment details:

  1. Click UK Payments
  2. Click the Scheduled Payments option in the left hand margin
  3. Find your payment in the list, and tick the tick box to the left of the payment
  4. Click the Edit button
  5. Update the account number and sort code
  6. Click the Find Bank button to update the bank name and address details (and to verify the sort code is correct)
  7. Select Pay without creating a beneficiary or Pay and create a new beneficiary
  8. Click the Next button
  9. Check the details on the page to ensure they’re all correct, and then click the Submit button
  10. Enter your token details as described on the page and click the Confirm button to update the payment (You may need to choose the Next Authorizer if you have approvals)
  11. Check the message at the top of the page to ensure it updated successfully
    [1219] Payment submitted for processing on 23/09/2013. [1218] The payment reference is xxxxxxxx
    where xxxxxxx is a system reference for the specific payment.

Custom account access

Instead of issuing multiple reports each day, a single report will be produced containing all redirected payment information, for all of your accounts, for the previous working day. As everything is on one report, your administrator user will need to remove access from the report for users who should not see payment related information, for accounts linked within the online service.

Depending on your organisation, you or your manager may need to decide who has access to the report, but your administrator user will need to make the change.

Please ensure your administrator user follows the instructions below to remove the report access for the appropriate users.

  1. Log in to FD Online
  2. Go to Administration then User Maintenance
  3. Leave the User ID field blank, and click Retrieve
  4. Select the first user
  5. Click Report Access
  6. Scroll down and highlight the Redirected Faster Payment Report (Report code 760)
  7. Click Unlink

For Bulk Bacs click here

The report will be displayed in Statements and Reports>Formatted AWACS Report, this report needs to be checked regularly.
When you check the report , the following details of the payment are shown

  1. Reason for the amendment
  2. Beneficiary Name
  3. Old/Existing Bank Details
  4. Original Processing Date
  5. New Bank Details

You should save the report or make a note of the new bank account details as you will need these shortly.

What to update?

Once you have recorded the beneficiary details from the report, you will need to update the beneficiary details. How you create your Bulk Bacs payments will determine where you update the beneficiary details.

If you import your Bulk Bacs payments to FD Online each time using –
Bulk Bacs>Payment Groups, new group , import group

You will need to update the beneficiary details within your software which creates the import file. You may need to contact your software supplier if you require further help doing this.

If you create your Bulk Bacs payments by selecting an existing payment group each time using –
Bulk Bacs>Payment Groups, selecting the group and clicking create batch

You will need to

  1. Log in to FD Online
  2. Click Bulk Bacs in the left hand margin
  3. Click Payment Groups
  4. Select the payment group the beneficiary is in that needs to be amended
  5. Click the Modify Payment Group button.
  6. Find the beneficiary in the ‘List of Transactions’ section
  7. You will now need to note the beneficiary details (Name, Reference -if any, Transaction amount, Transaction code).
  8. Click in the tick box at the beginning of the line for that beneficiary only.
  9. Click on the Remove Entries button
  10. Click on the Save payment group button. You will be prompted for your token details for security
  11. Once you have entered these details click the Confirm button.
  12. You will then be returned to the Payment Groups screen and should then see a confirmation message at the top of the page- Records saved successfully
  13. To re-add the beneficiary  with new details
  14. Click Bulk Bacs in the left hand margin
  15. Click Payment Groups
  16. Select the payment group that you want to add the beneficiary to
  17. Click the Modify Payment Group button.
  18. In the Add Transaction Details enter the beneficiary details you recorded above and add the NEW bank details from the original report
  19. Click the Add to list button.
  20. You will then see this message at the top of the page - Records added successfully, Click on save payment group to save changes
  21. Click the Save Payment Group button. You will be prompted for your token details for security
  22. Once you have entered these details click the Confirm button.
  23. You will then be returned to the Payment Groups screen and should then see a confirmation message at the top of the page - Records saved successfully.

 

Other Bulk Bacs reports available

There are also other reports available containing information on Bulk Bacs payments. These reports will supply more information/reasons for unpaid and unapplied payments.
The reports are found within FD Online under Statements and Reports
Formatted ARUDD Report– List of AUTOMATED UNPAID DIRECT DEBITS
Formatted ARUC Report– List of AUTOMATED UNAPPLIED CREDITS
Formatted ADDACS Report– ADVICE OF DIRECT DEBIT AMENDMENTS AND CANCELLATIONS

BACS Direct Credit Reason Codes and their meanings

AWACS reason codes 

Reason Code Reason Circumstances Special Instruction/ Information
0 Invalid details Correct account details supplied to the Service User Service User must apply change to data file
3 Account transferred New account destails supplied to the Service User Service User must apply change to data file

ARCUS reason codes 

Reason Code Reason Circumstances Special Instruction/ Information
0 Invalid details Account  details not recognised The service user should contact the beneficiary for new details
2 Beneficiary deceased
3 Account transferred Account transferred to a new bank or building society The Service user should first check it has not been notified of the new bank details. If not contact the beneficiary for correct details
5 No Account Account number is not recognised at the receiving bank The Service User should check information provided and if necessary liaise with beneficiary
B Account closed Beneficiary has closed their account for an unknown reason The Service User should contact the beneficiary for new details
C Requested by remitter Remitter has requested payment is not applied