Bacs payments

Send high volume payments and collect Direct Debits automatically with the Bankers’ automated clearing system (Bacs).

What is Bacs?

Apply for Bacs

I need more help with Bacs

What is Bacs?

Bacs is an automated electronic system used to collect Direct Debits and send funds from one bank account to another over a three working day clearing cycle. The service is operated and managed by Bacs Payment Scheme Limited.

  • Please note: you will be charged for using Bacs. Please check your account tariff for more information.

Why use Bacs?

  • Save time and administration costs on bulk payments

  • Improve cashflow management

  • Collect Direct Debits efficiently and securely

  • Use Bacs in the way that works for you

  • Bacs payment types

    There are two types of Bacs payments. You can use one or both depending on your business requirements.

Bacs Direct Credits

You can use Bacs Direct Credits to make payments directly into another bank or building society account. It’s typically used for making high volume regular or one off payments such as salaries, pensions, state benefits and tax credits.

Bacs Direct Debits

You can use Bacs Direct Debits to collect regular payments from customer accounts such as subscriptions, memberships or charitable donations.

  • Bacs Service Users

    We can set up and register you as one of two types of Bacs Service User depending on your preference.

Indirect Service User

Use a third party bureau, such as Financial Director Online, to send and collect Bacs files.

Apply as an Indirect Service User

Direct Service User

Use purchased Bacs software on your own computer to send and collect Bacs files.

Apply as a Direct Service User

Financial Director Online

Financial Director (FD) Online is our in house bureau and commercial online banking platform. You can use FD Online to submit Bacs files as Direct Debit or Direct Credit.

Find out more about FD Online.

Apply for Bacs

Your application is subject to status. This means we’ll complete a credit check and an assessment of your financial circumstances.

Apply as an Indirect Service User

Apply as a Direct Service User

Apply as an Indirect Service User

Before you apply

Please read the important information below before you apply for Bacs.

To be eligible for Bacs, you and key parties must:

  • be aged 18 or over
  • be a UK resident
  • be a sole trader, partner or director with authority to borrow on behalf of the business or organisation
  • hold or open and maintain a business current account with The Co-operative Bank
  • require the lending for business use.

To apply as an Indirect Service User, you will need to be registered with an approved bureau.

You can apply for Financial Director (FD) Online, our in house bureau and commercial online banking platform.

Alternatively, you can find a list of approved bureaux on the Bacs website.

Apply to be an Indirect Service User

To apply for Bacs as an Indirect Service User, please complete our Bacstel-IP Bureau User Application Form PDF and forward it to your relationship manager.

If you do not have a relationship manager, please email the completed form to blss@co-operativebank.co.uk.

If you are applying to collect Direct Debits through Bacs, you will need to complete the following additional documents:

  • Direct Debit mandate
  • Standard indemnity form
  • Advance notice letter
  • AUDDIS application form

We will share an AUDDIS application form and standard indemnity form with you when we receive your Bacs application. You will need to draft the Direct Debit mandate and advance notice letter. You can find the requirements for these in this guide to Direct Debits on the Bacs website.

What happens next?

We will contact you to confirm the result of your application.

If your application is successful, we will email a user number to you. You should forward this to your bureau provider as confirmation that your Bacs facility has been set up at Bacs Ltd.

We will also share a Bacs service user guide with you.

Apply as a Direct Service User

Before you apply

Please read the important information below before you apply for Bacs.

To be eligible for Bacs, you and key parties must:

  • be aged 18 or over
  • be a UK resident
  • be a sole trader, partner or director with authority to borrow on behalf of the business or organisation
  • hold or open and maintain a business current account with The Co-operative Bank
  • require the lending for business use.

To apply as a Direct Service User, you will need to find a Bacs software supplier first.

You can find a list of approved software suppliers on the Bacs website.

Apply to be a Direct Service User

To apply for Bacs as a Direct Service User, please complete our Bacstel-IP application form PDF and bsecure application form PDF. In the bsecure application form, you will need to nominate two primary security contacts to maintain and manage the system for all other users.

When you have completed both forms, forward them to your relationship manager.

If you do not have a relationship manager, please email the completed forms to bsecure@co-operativebank.co.uk.

If you are applying to collect Direct Debits through Bacs, you will need to complete the following additional documents:

  • Direct Debit mandate
  • Standard indemnity form
  • Advance notice letter
  • AUDDIS application form

We will share an AUDDIS application form and standard indemnity form with you when we receive your Bacs application. You will need to draft the Direct Debit mandate and advance notice letter. You can find the requirements for these in this guide to Direct Debits on the Bacs website.

What happens next?

We will contact you for additional security information about your primary security contacts and to confirm the result of your application.

If your application is successful, we will email a user number to you. We will also share a Bacs user manual with you.

I need more help with Bacs

  • Call us

    If you need more information or help with Bacs, call us on 03457 213 213. Lines are open Monday to Friday 8am to 6pm, Saturday 9am to 12 noon. Call charges apply.

  • FD Online user guide

    Access step by step guides to using Bacs in FD Online in our user guide.

    View user guide