Bacs, bureau, Direct Debit, direct debit bureau, Easter
Bacs, Bureau Service, Direct Credit, Direct Debit, Non Processing Days
31, MAR 2020

Easter is fast approaching and this year we have the added complication of the Coronavirus and people working remotely. This has meant that many are unable to access their usual systems and processes. Now more than ever therefore, it is vital to ensure you’ve planned ahead with your Bacs submissions and have allowed for Bacs extra non-processing dates over Easter.

Bacs processing works on a 3-day cycle. These days are known as:
– “Day 1: Input Day”
– “Day 2: Processing Day” and
– “Day 3: Payment day”.
You need to send your file to Bacs 2 working days prior to the payment date (day 3). If you have any questions about this, please let us know – or maybe its time to consider BACS accredited training.

Both Good Friday (10th April) and Easter Monday (13th April) are bank holidays which means they are extra ‘non-processing days’. Make sure that you have scheduled all your direct debits and credits with this in mind. If you’re unsure of the date changes that you may need to make, you can always get some extra help from a consultant, and also refer to the table below:

Payment Arrival Date Processing Date Latest Submission Date
Thursday                    9th April
Wednesday               8th April
Tuesday                      7th April
Tuesday                     14th April Thursday                   9th April
Wednesday                8th April
Wednesday                15th April Tuesday                   14th April
Thursday                    9th April
Thursday                    16th April Wednesday                15th April Tuesday                      14th April


As always you can submit any Bacs files up to 30 days in advance – just remember if you do to ensure that the correct processing or payment date is included. And if you’re struggling with the processing of your direct debits and/or credits you can always use a Bureau to do the heavy lifting for you.

Finally, if you haven’t already, you can download the Bacs calendar for 2020 so you can better prepare and get the non-processing days in your calendar.