When you want to ensure that a supplier or employee is paid on an agreed date or you would like to collect Direct Debits to your business account(s), one of the most efficient and cost-effective methods of payment and collection is via the Bacs automated electronic payment system. At The Co-operative Bank, we can set businesses up as Bacs Service Users in order to send and collect funds between bank accounts.
Bacs Direct Credit is a secure service enabling organisations 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.
A Bacs Direct Debit is an instruction to collect regular payments from customer accounts such as subscriptions, memberships or charitable donations.
A business which is set up and registered by The Co-Operative Bank and uses a third party commercial bureau to send and/or collect Bacs files.
This application would require you to first find a commercial bureau, a list of approved commercial bureaux is available at Bacs. If you apply as an indirect Service User you must fill in the Bacstel-IP Bureau User Application Form.
Before returning your application form please ensure you have read and understood the terms and conditions.>
Should you require any further information or help whilst completing this form please contact Lending Services on +44(0)3457213213 Call charges
A business which is set up and registered by The Co-operative Bank and uses purchased Bacs software on their own computers to send and/or collect Bacs files.
This application would require you to find a Bacs software supplier first. A list of approved software suppliers are available at Bacs.
If you apply as a Direct Service User you must fill in the Bacstel-IP Application Form, bsecure Application Form and an AUDDIS application form (you only need to apply for AUDDIS should you wish to use the service to collect Direct Debits).
If you are a Direct Service User and would like to migrate to the Bacstel-IP service please download, complete and return to the Bank the application forms below. Before returning your application forms please ensure you have read and understood the terms and conditions.
This is The Co-operatives Banks in-house bureau.
This service will allow you to submit Bacs files as Direct Debit or Direct Credit. Files submitted before 17:30 will credit/debit on the 3rd working day.
For more details on whether this is a suitable option and how to apply please contact Digital Business Banking via emailing firstname.lastname@example.org. Please only provide your Customer ID or account number and no other sensitive personal information.
Your application is subject to status and based on an assessment of your financial circumstances.
Note: to apply for any lending product, you must maintain a business current account with the Co-operative Bank
Please ensure you read the important documents above and save copies of them for future reference
Should you require any further information or help please contact Business Account Support
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