BACs Transfers and Processing Explained

Originally written by Jennifer Lowe, updated by the editorial team on 28th June 2026

What is a BACS Transfer?

BACS stands for Bankers Automated Clearing Services. It is the system UK banks and building societies use to move money between accounts electronically.

If you receive a salary or pension directly into your bank account, it may arrive via BACS. The same system handles many regular outgoings such as direct debits and standing orders, though Faster Payments and CHAPS are also widely used for bank transfers.

UK Payment Method Eligibility Checker

Wondering if a payment can actually be made between specific people or accounts? Tell us the method, who is paying and who is receiving, and we will explain whether it works and what the rules are.

Try our UK Payment Method Eligibility Checker free, here on this site →

How BACS Came About

The system was set up in 1968, when most payments still relied on paper cheques and manual processing. Banks needed a more reliable way to handle the growing volume of transactions.

BACS is operated by Bacs Payment Schemes Limited under the oversight of Pay.UK. It now processes billions of transactions each year, covering everything from wages to household bills.

Your situation may be slightly different. ask a question below ↓ and our editorial team will reply with our advice.

How Long Do BACS Payments Take?

A standard BACS transfer takes three working days to complete. The payment is submitted on day one, processed on day two, and arrives on day three.

Weekends and bank holidays are not counted as working days, so payments made towards the end of the week may take longer to clear. Some organisations can arrange next day BACS payments, though this is less common. Faster Payments often clear on the same day for those who need quicker transfers.

Is BACS Secure?

BACS has a strong track record for reliability and security. For most routine payments, particularly regular salary and bill payments, it remains widely used. Domestic BACS transfers typically carry no fees.

The Next Step

Now that you have read through the advice above, you might want to put it into practice. Our UK Payment Method Eligibility Checker lets you wondering if a payment can actually be made between specific people or accounts? Tell us the method, who is paying and who is receiving, and we will explain whether it works and what the rules are. Try it now →

170 questions

Ask Bank Account Advice a Question

Gill 06/11/2020 at 8:57 am

Can a Bacs payment be made into a deposit account?

Kit 08/08/2020 at 7:33 am

I was supposed to have funds from a sale of a mobile home from the management to be paid to me by BACS - they ve already had my money for 21 days and says that the account department can’t pay me as l don’t have a set up account with them us this true l thought with just my bank details l could have it transferred with a few day’s ?

Paul 25/05/2020 at 1:19 am

Our family solicitor transferred a share of my Aunts estate via BACS to my account, it has been placed as pending and have been advised it is due to security checks, the banks protocol is 2-4hours to clear. Despite 4 phone calls and now 72 hours since the transfer was executed, I'm still no further forward as it shows 'pending' in my account. Can I recall the transaction?

John gibson 13/05/2020 at 9:40 am

Can I receive self employed grant into my savings account

Paul 15/04/2020 at 7:29 am

I get paid on a Friday but it was good Friday so my wage didn’t get into my account till yesterday morning is this normal

Kaz 10/04/2020 at 1:24 pm

Hi, my solicitor has informed me that payment of damages in personal injury case has been put into their account but are unable to trace the monies at present. Is this possible? Thanks.

leanne 24/07/2019 at 8:38 am

my new job pays weekly and my payslip says payment type is BACS. i have given them my bank details on monday and my payslip says payment date 24 July (today) and i still haven’t been paid. when will i be payed?

Roe 06/06/2019 at 7:46 am

I have recently retired and live in the Republic of Ireland but will receive a monthly UK pension transferred by BACS how long will it take to show in my bank account in Ireland?

Hatcher 11/01/2019 at 7:30 pm

If I was paid via Bacs on Wednesday evening would this show in my online banking as a pending not cleared transaction after the event ? Or not show anything at all until cleared ?

Naeveh 18/12/2018 at 9:27 pm

Hi my company pay us via bacs and have asked for our time sheets in before 7.30am on Thursday morning. They are say we will recieve our wages on Saturday or saunday. Is this possible for bacs . I thought it was 3 working days so would recieve monday?

EllieScotty 25/11/2018 at 6:05 pm

Hi there, I put Dow a deposit for a wedding to Doubletree Hilton for £1200. It was accepted at £800 and then there was an error thinking my bank didn’t like so much being taken. So arranged a bank transfer for the remaining £400. We have asked to cancel it and they agreed to refund the money. The £800 was in our account within couple of days and the £400 is till not returned. This was September. They are saying that the bacs is a long process and being done from India? I was told if still not in my account by 10th December then to chase it but it’s been 2 months now. Does this seem right?

Rikki 19/09/2018 at 8:30 pm

My solicitor tells me they sent a bacs payment to my natwest account on Monday when will it be cleared

jack sparrow 18/09/2018 at 3:16 pm

hi i am on weekly pay for my new job if they prosses my wage on a friday what time would you think i would get it today i know they use BAC payments which is a three day cycle but can bac payments go in any time

BankAccountAdvice Editor 19/06/2018 at 3:09 pm

You would have to speak to your bank directly.

LeonaT 19/06/2018 at 10:54 am

My bank has closed my account and I didn't change my account details with my employer time. My salary is now being paid into a closed account. How long will it take to bounce back to my employer.

Para 30/04/2018 at 1:25 am

I was told by my life insurance company that a payment would be effective on the 23rd and in my account on 30th. Does this mean that the fund will be available in my bank to withdraw on the 30th?

BankAccountAdvice Editor 25/01/2018 at 11:53 am

It's unlikely your company will stop the payment, if you have worked for the money to date.

kev 24/01/2018 at 9:10 am

hi i get paid tomorrow by bacs i walked out last night can my company stop the payment but i do leave in 2 nightd time anyway

FaY Editor 14/12/2017 at 11:29 am

@Tina - insurance claims usually take longer to process, not through the bank necessarily, but throught the insurance system.

Tina 13/12/2017 at 9:54 am

After 8 weeks of chasing my pet insurance claim they have made a bacs payment last thursday and I am still waiting for it to go into my account. They said allow 14 days but I don't understand why when everything I read says such method takes 3 days, the last time i spoke to them i threatened them with the ombudsman and now i am wondering if this is another one of their games. What is this 14 days timeframe all about? please explain

Smarie123 24/11/2017 at 12:29 pm

Hi my work is messing me about with holiday that's in lieu they told me this morning that they did a fast payment and would be in my bank by 5pm they said this before and it didn't go in I thought fast payments took 2 hours max any advice please

H 20/09/2017 at 10:50 am

I have submitted an AUDDIS file a number of times for the same parent and it has been rejected each time over the last year. The reason code on the report is M = Transaction Code/User Status incompatible. Could you please explain what this means?

Cornwall Editor 08/09/2017 at 3:45 pm

@BIILLIO - rinf the bank directly. They should be able to tell you whether there is a payment coming through.

BIILLIO 08/09/2017 at 11:13 am

A BACS payment was sent to my bank around midday on Wednesday. I have been told that BACS payments should clear on Day 3 of the process (Which I guess is today?) I have seen nothing in my account as yet. Can BACS payments clear at any time during the day ? Or is it a case of if the funds have not arrived by a certain time then it won't happen until the next day..Or in this case possibly Monday as it is Saturday tomorrow. If there is a chance the funds could still arrive today then I will check periodically, however if the ship has already sailed then i will save my effort and check again over weekend or Monday instead. Any accurate advice would be appreciated, many thanks.

lea 25/08/2017 at 4:50 am

I have my wage slip payday today via bacs but still is the in my account can't understand why

charlielyons 16/08/2017 at 4:47 pm

So please explain to me in this day an age, when I can transfer cash immediately to another account using fast payment for free. Why does it take up to 5 days to transfer cash when the account holding institution insist on using bacs? Why can't they use the fast payment system? Could it be something to do with the missing 5 days of interest I lose during the bacs process?

Tel 14/08/2017 at 2:10 pm

Hi pls help. If my company transfer my wages
On a Tuesday and I hand my notice in on a Wednesday can my company cancel or reverse the payment so I wouldn't receive it on the Friday?

Ka 12/08/2017 at 11:23 am

Do you have to be a member of a bank to use this system?

BankAccountAdvice Editor 27/07/2017 at 2:32 pm

There is no specific time - you would have to contact your bank directly.

Jen 26/07/2017 at 8:29 am

Hi I am die to receive a payment by BACS today I am just wondering around what time they normally go in your account as I haven't received the payment yet.

BankAccountAdvice Editor 25/07/2017 at 10:09 am

You would have to speak to the bank directly. We have no knowledge of the administration procedures of your bank.

Westfield 25/07/2017 at 8:45 am

I am executor for my late mother and will shortly be organising distribution of bequests. Can these be paid by BACS only to current accounts, or to any savings account with sort code and account number?

Vicki 24/07/2017 at 12:59 am

Im waitin in momey being transfered from one account to another it was processed 17th july to santander when will i get it

BankAccountAdvice Editor 06/07/2017 at 2:53 pm

You would have to take this matter up directly with your employer.

Dawnew 05/07/2017 at 12:23 pm

My pay day is the 5th but won't get paid untill after 2pm my DD go out in the morning why am I not getting paid untill after 2 pm and not first thing in the morning ??????

ASha Editor 30/06/2017 at 10:36 am

@Legra - in my opinion BACS transfers are pretty quick. It might be the company who is transferring the money who is at fault.

Legra 29/06/2017 at 1:58 pm

Why in this day and age does a bacs payment take so long in the UK? I work at home and abroad and payments in North America for example, are immediate including, on cheques. Why then are our banking so behind the times unless of course, bacs holds on to the money to gain daily interests before dispersing to individual accounts.

BankAccountAdvice Editor 19/06/2017 at 9:55 am

You would have to contact your bank directly regarding this matter. However, I'm sure your wages will be in by now. If there is still some discrepancy, you would have to speak to your line manager at work.

Kez 16/06/2017 at 5:16 am

I have a cldesdale bank savings account. Mt wages have been sent to this account. Was meant to be paid the 15th. Firstly will my wages go into this account okay as my dad puts money into it with my sort code and acct no all the time. And secondly what are yhe reasons it would not be showing up now its the 16th in my account?

staish 01/06/2017 at 4:13 pm

Is there a minimum amount that can be sent in a BACS transaction. I am owed £50 from the company i work for but they say it isnt enough for s BACS transfer.

Kay 26/05/2017 at 10:15 am

If a BACS payment was paid into a NatWest account after 4.30 on Wednesday when would the funds be cleared??

Gerry 17/05/2017 at 2:51 pm

Hi I worked for a company upto October 2015 , can I find out which bank my wages were transferred into my bank from ?

Forist 08/05/2017 at 5:49 pm

I am waiting to receive money from a court case. Witness. I sent details last Tuesday how long till I get money.

Ema 08/05/2017 at 3:07 pm

Hi I left job and they owed me payment did it Friday morningby Baca transfer when will it show in my account please??

Hay 05/05/2017 at 8:22 pm

Hi , we are waiting on a large payment , we've been told it has been paid but it's not in yet , would a bacs payment clear on a Friday night / sat morning with nationwide? The payer did say Monday would be the latest it will be in our account .

Barbie 15/04/2017 at 8:12 am

I was due a direct debit payment 4pm good Friday does anyone know when I will receive it ??

Robmc 13/04/2017 at 2:10 pm

Hi Ive been told today Im going to receive a payment in 3 working days from today (13th April) but its the day before good Friday and the Easter weekend when will the funds be available for me to withdraw them?

Nellie 07/04/2017 at 3:44 pm

I am awaiting a refund into my account and been told it can take up to 14 days why is this please

JB 28/03/2017 at 9:40 am

I am the Registered Holder of some fully paid Ordinary Shares in a UK pharma.
My registered address for these shares is in Australia.
Can I sell these shares and have the proceeds paid into my son's UK bank account?

BankAccountAdvice Editor 23/03/2017 at 2:44 pm

You would have to speak to your bank directly. Only your bank manager can authorise this sort of agreement.

Ash 23/03/2017 at 9:52 am

Hi I had a payment sent 2 my bank for £1700 and it is going 2take 3 working days to be available to me does anybody know if my bank will give me a advance on this payment to see me over the w kend and then they can take it off the money when it clears??

Kurt 21/03/2017 at 8:53 pm

If supposed to be paid 23/3/2017 iam with nat west would this go in on the 22nd or on the day

Don 21/03/2017 at 6:50 pm

A simple error number so small in bank card. Possibly I wrote down sort code with a 03---- ( should be 08---) on a form along with name address acc number. Friday didn't get paid. When I realised mistake on Monday. Employer said that's why you not been paid will have to get it retreaved bounced back., hours later he said I get paid it this Friday... how do I know he isn't making advantage to delay paying wage another week..

BankAccountAdvice Editor 17/03/2017 at 1:37 pm

You would have to speak to your employer directly regarding this matter - I'm afraid we don't have an answer.

Smiler 17/03/2017 at 3:27 am

Don't know why I have BACS Advance amount £80.50 taken out my pay

Sue 28/02/2017 at 6:44 pm

I have been told a refund by bacs would take 3 days. Is this true as i have heard about faster payments system

Kay 23/02/2017 at 4:09 pm

I called Merrill medical on Tuesday they owe me £3,000 they said my payment will be payed within 5 days whoever today is Friday I called them back with a postcode they needed they said my payment was being processed what does this meen and when should I receive payment thanks

allan 21/02/2017 at 3:21 pm

i had a phone call at 3pm yesterday and got told in 24 hrs id have my esa in my bank still nothing why is this

Hannah 01/02/2017 at 12:27 am

I'm due a payment today but no money has gone in my Halifax account as such from now

Scotty.t 02/01/2017 at 8:21 am

To ed I had a payment sent through on Saturday 24 and still waiting today for it hopefully cleared on Tuesday meaning waited 10 days must be busy this time of year but they have failed us

Laur 01/01/2017 at 9:32 pm

I normally get paid on Monday which will be the second of Jan, some people have had there's on Friday but I'm still waiting.. Anyone know? Hate being skint!

Vicar 30/12/2016 at 8:39 am

Dear Ed, You state that you have not received no payment.
This is a terribly elaborate way, using two double negatives of telling us that you HAVE been paid. Well done, jolly pleased to hear it. So what is your complaint then?

Ed 30/12/2016 at 12:06 am

Bac transfer was made on the 23rd of December 2016.I was told we will be payed on the 30th of December 2016 still not received no payment? Any advice please when I will get paid?

Debclaypole 29/12/2016 at 11:13 am

I get paid 4 weekly, my pay date was 28th December, but still not had my wages, was given my wage slip last week though! Can't get hold of employer, when should I be paid? Anyone know please?

Stef 23/12/2016 at 10:37 am

Hi, I get paid on 28th of december will my wages go in tomorrow or on the 28th?

Scotty 23/12/2016 at 10:14 am

Hi I get paid every week on a Friday but I had to work 2weeks In hand so I don't get last week's pay I get the weeks before. Anyway the company I work for pays us by third party. I got paid yesterday on the 22nd December but am confused to why that is ? I thought it would of gone in today, but I don't even know if that is the right week I worked. Or do you have any idea if the money will go in after 12 today. I say this because I think yesterday's payment may have been for something else lol rrrrr I'm confused lol maybe I will get another payment after 12 unless I receive it Monday lol. I went and asked the boss an she told me I will get paid Friday and next Friday etc so I am confused. Lol much help with how the 2weeks pay an the third-party business works I'd be very great full thanks.

Scott

Milly 23/12/2016 at 9:57 am

His I get paid on 28th of december will my wages go in tomorrow or on the 28th

bob 23/12/2016 at 4:52 am

I got paid today by my employers using BACs. Is it possible for them to take this money back from my account now?

Gale72 22/12/2016 at 11:41 am

My husbands work usually pay his bonus in cash but this week they aasaid they had no cash. They bacs payment on wed 21st will this be in the bank on friday?
I know its 3 days but was thinking. Wed, thurs, friday to appear!

BankAccountAdvice Editor 21/12/2016 at 2:04 pm

There is no reason why it shouldn't go in on 29th (if that is your usual pay day) as it does not conflict with a bank holiday.

Bob40 21/12/2016 at 11:52 am

I get payed on the 29th dec of work will it just go in my bank normal this year

Riche 20/12/2016 at 5:43 am

I would like to know for chaps or bacs transfer the receiving bank account name must be absolutely correct to receive the payment?
Thanks

cyp 16/12/2016 at 6:08 pm

Hi third part insurance make payment with bacs and they said 3 working days so they made 15/12/16 at 11am when I will get this money

saz 15/12/2016 at 3:36 pm

I set up a company pension payment by bacs (through Natwest bankline) to reach the pension provider on or before the due date, I select 'date to arrive' option always. It works with all our suppliers and HMRC for payments to reach them by said date, however the pension provider somehow never receives it on the chosen date and it has taken up to 14 days before they say they have actually received it into their account. How can they be the only recipient that this happens to? I have taken them up on it that the problem is at their end since it never happens with wages, materials, credit card or HMRC payments. Any thoughts?

Tash 15/12/2016 at 11:13 am

Hi i get payed on the 29th dec of work will it go in on that day or will it go in early with it been bank holiday monday and tuesdsy

BankAccountAdvice Editor 16/11/2016 at 2:54 pm

You will have to ask your employer this question directly.

Rik5tar 15/11/2016 at 5:23 pm

Will my wages go in the day after a bank holiday at Christmas or before

clint 15/11/2016 at 12:56 pm

would my refund to my account from friday be paid to me on tuesday by chaps.do i have to wait a full day to receive payment on that day

BankAccountAdvice Editor 15/11/2016 at 10:25 am

You would really need to sort this out directly with your employer, if the issue has not yet been resolved.

Caroline 14/11/2016 at 7:00 am

I recieved my pay slip from my previous job there on thursday night through email, we usually get our pay on the friday but mine hadnt came through..checked the pay slip and it said process date 11/11/16 which was the friday but nothing all weekend and have checked bank this morning and still nothing, haven't contacted employers yet as left the job but it's nothing to do with that that's all fine and i have my p45 etc but is this normal should i wait this long for a BACs payment?

Jackflash 15/10/2016 at 12:32 pm

I have recently won a case with a financial company totalling just over £12,000. I opted for the BACs payment option as it would obviously be faster, my bank has the 2 hour high speed facility. The financial company are yet to deposit my money. They cannot give me a day saying, authorisation and other factors need to be put into place.
At this rate would a cheque be faster and as a financial company that deals with mortgages, car finance and loans, are they able to make the faster BACs payment?
This case was finalised by the Ombudsman. The company in question have a long track record and drag everything to the death.

SH 28/09/2016 at 11:01 pm

I left civil service last month and all was good and eventually paid.

However I've got another payslip this month which has a minus figure on it and says BACS 30/9

Can they take this from my account just like that???

june28 22/09/2016 at 3:08 pm

I had a payment sent to me by DWP as payment for my PIP , this was sent out on 16/09/16 and was told it would be in my account today 22/09/16 however it has not yet gone into my account , and by the way my account is a Simple Payment account, any thoughts as to why it may not yet be in my account or as to how long it should take to reach my account..

BJ1 03/09/2016 at 10:31 am

Having been paid for a number of years by bacs payment, the company has suddenly reverted to paying by cheque. Is there any legal reason for this ? - e.g. potential liquidation

BankAccountAdvice Editor 08/08/2016 at 11:19 am

You should NEVER hand over your pin number to anyone.

mini 07/08/2016 at 10:30 am

I wanting to scrap my car using Bacs transfers the company have asked for sort code/ bank account number also asked me to put my pin in. Is this right.

BankAccountAdvice Editor 25/07/2016 at 11:55 am

You would have to approach the company directly regarding this matter.

Pricey 24/07/2016 at 4:09 pm

Hi I was told by the company I work for that I would have a payment transferred to me yesterday they said it would take up too 24 hours may I ask why I've not been payed

plum 22/07/2016 at 11:47 am

my widows pention due in monday isnt showing on my peding transactions could this be updated

guyp 30/06/2016 at 11:18 am

Hi I normally get paid on Fri we'll that's what I though my wages have been getting paid on Thursdays on my bank statment but I don't know what time it's been going as I have been withdrawing it on a Fri when I have finished work

lizzie 12/06/2016 at 6:54 am

My employer pays me by bank transfer every Sunday .but she puts the money in at all different times. And mostly gone 4pm .do I have any rights to comfort my employer

Baz 11/06/2016 at 10:31 am

Hi I was meant to get my wages last night between 5 pm and midnight the agency I am working for said I was on the second run but there's nothing in my account am with tsb Is there s reason for this

Laura 30/05/2016 at 3:48 am

Do tsb process wages due on Tuesday earlier on bank holiday Monday? Eg due to get paid tomorrow will I get paid during today?

BankAccountAdvice Editor 27/05/2016 at 2:36 pm

You will have to contact your bank directly or search on your bank's online site for this information, as different banks will have different policies.

BankAccountAdvice Editor 27/05/2016 at 2:30 pm

You would have to contact your bank directly regarding this.

Gaz 27/05/2016 at 10:12 am

Hi, my wage should have gone in to my bank today but due to "a glitch" the agency I work for haven't been able to put it in. They have told me my wages will be in by 18:00 today (half an hour after they would have broken up for bank holiday and not be about to answer any calls from me should the money not go in). I was wondering if there is any way to check if a transfer is being processed or what sort of time would they have to transfer the money for it to be in my account for 18:00? Thanks.

Vanessa 26/05/2016 at 7:01 pm

I get paid on last working day of the month.I'm with Barclays because of the bank holiday will my wages go in on Saturday?

Lloydyboi 26/05/2016 at 6:11 pm

If my wages get put in on a Wednesday n clear on a Monday would they clear a day earlier due to a bank holiday?

BankAccountAdvice Editor 20/05/2016 at 12:42 pm

It depends whether the money is in your account and/or whether withdrawing it will make you overdrawn.

Emma 19/05/2016 at 7:12 pm

Hey my wage is due to go into my account midnight tonight but I need to withdraw some of that money now, is it true that you can do this after 5pm

BankAccountAdvice Editor 11/05/2016 at 2:46 pm

If you are working legally and have a contract then your employer cannot withold payment. However, if your salary is paid monthly, then you may have to wait until the end of the month to be paid. You should speak directly to your employer in order to find this out.

Abbz 11/05/2016 at 12:23 am

I have recently left my employment due not being paid that said they have sorted this issue you out friday just gone and I still have nothing in my account can they told my money because I have left or will I need to check tomorrow

BankAccountAdvice Editor 05/05/2016 at 11:26 am

It's worth discussing this matter directly with your bank as it may waive the charges if this is a rare occasion and the funds were in the same day. The bank does have autonomy to drop such fees if it chooses.

Phoenix 04/05/2016 at 3:00 pm

Hi
I had a direct debit returned on 28th April as there were insufficient funds in the account. Funds were made available at midnight on the same day, yet the bank charged me £50 for this. Can they do that????

clickclick 15/04/2016 at 2:14 pm

hi i have recently just changed banks from barclays to halifax, when i was with barclays any money due to go in my acc on the monday would clear in the early hours of saturday morning could anyone be able to tell me if this is the same with halifax as i am due to be paid this monday and want to know whether the funds will clear in the early hours of saturday morning as with the barclays....... thanks

BankAccountAdvice Editor 06/04/2016 at 2:49 pm

You would have to speak with Barclay's directly regarding this.

l79k 05/04/2016 at 10:21 pm

Do payments still clear in Barclays account on Saturdays that are due on Monday?

stellaskyfall 29/03/2016 at 6:12 pm

Hi banked a cheque with Barclays on Sat £1,300 later showed uncleared funds of £130.Ive been told that this is normal and that they give you a small amount until the cheque is cleared when you pay in a certain amount. I don't understand this as the £130 is uncleared funds and can't be drawn is this correct?

BankAccountAdvice Editor 24/03/2016 at 10:54 am

You would need to speak to your employer directly regarding this.

Rosie 23/03/2016 at 10:35 am

Hey can our employer see if our wages have been sent to the bank and also will our wages go in on time for the 29th

BankAccountAdvice Editor 16/02/2016 at 10:11 am

Wages are usually paid in arrears, not in advance. It means if you leave work, your employer will have paid you hours you have already worked. Therefore the money is rightfully yours.

BankAccountAdvice Editor 15/02/2016 at 2:38 pm

In the first instance, you should speak to your bank asap who will advise.

fullrev 15/02/2016 at 1:40 pm

I'm hoping to leave my current job ànd don't want my work to withdraw the bac payment once they realise I won't be in for the rest of the week. Can work pau me then claw it back the next day ?. Many thanks

Markhildy 13/02/2016 at 11:31 pm

My wife sent an email to a client with bacs details for a £5000 payment.
Someone has somehow intercepted the email and put their own bank details in. The client says it has left their account. HELP! We can't talk to the recipient bank because they say they can only speak to a bank .
Any ideas what we can do?

s 09/01/2016 at 2:30 am

Hi I started working with a new company all my other co-workers have been paid but I was advised that my wages did not come into my account was put on hold by there bank for security checks because they use bacs payment and the ramdenly pick account to do check on

foejisanto 31/12/2015 at 9:22 am

Hi, I want to ask. my client transfer payment for my research service on Wednesday, 23 December 3015 through BACS, but until now the money didn't show up in my bank account Lloyds Bank. May I know how many days it process see until the money come into my bank account considering 24th until 28th Dec bank holiday. please kindly your advice.

Sammyjb 31/12/2015 at 6:42 am

My student finance loan and grant was submitted on Tuesday the 29th of December 2015 I have checked with Barclays and it is still not showing in my account? As it is bank holiday tomorrow will I now receive it Saturday as all monies credited to my account on a Monday appear in my balance on a Saturday with Barclays? Or can it credit at any time during today?

LizaJane 29/12/2015 at 3:35 pm

Hello, im due to be paid every four weeks and my pay is due this Friday but its 1st January. i know my boss is doing wages today so would it go in before Friday or after.

tom 15/12/2015 at 3:36 pm

Can a BACS payment be recieved earlier than 3 working days?

Jodie 15/12/2015 at 1:06 pm

You say a bacs payment takes 3/5 days to clear, is a Saturday included as one of those days or would it be a
Day longer ?

BankAccountAdvice Editor 10/12/2015 at 2:10 pm

As it's Thursday I assume you'll know whether they have gone in or not now. If they haven't you will need to sort this out directly with the Halifax.

Jodie 10/12/2015 at 2:09 am

@jodie I means Barclays account not Halifax,it says on there website it takes 3 days for it to go in to my account

Jodie 10/12/2015 at 2:06 am

I am due to get a backs payment in to my Barclays account,I spoke to the cica who confirmed it had been processed on Monday and should have the funds in my account in Thursday but on Halifax website it says it takes 3 days for a baca payment they are still not there,could it go in anytime or does in go in over the midnight update process

Katie 07/11/2015 at 4:38 pm

I'm filling out a BACS notification form and one of the boxes says 'reference.' I don't know what to put here

Dozza 04/08/2015 at 4:07 pm

I recently did an article for a newspaper. Which they said it will be paid by BACS. The problem I have is I don't have a bank account so I asked for it to be paid into my girlfriends account. The newspaper in question then sent me an email back saying they cant make a payment for me in her account. Why cant BACS Do this I've given all my details and my girlfriends details also. I cant open a bank account as don't hold any photo I.D No passport. Don't drive as I'm epileptic. Obviously I've spoke to them just now by phone call saying who I was and would they send it into her bank account. She's even spoke to the newspapers and also explained this. Is there any reason why BACS wont do this or any reason why the newspapers involved wont do this

Sparkymark 02/08/2015 at 5:47 pm

I wish to buy a second hand car from a garage using BACS. I've done a HPI check & every thing is OK. How safe is my money if the car is faulty. Do I have the same protection as a debit card?

BankAccountAdvice Editor 31/07/2015 at 10:18 am

@Smiths gardening ser - yes, as specified in the article a BACS payment can take between three to five working days to clear, whether it is being paid into your account or out of your account. It can reach your account any time of the day until close of play. I hope it has reached your account by now.

Smiths gardening ser 30/07/2015 at 9:25 am

I have placed two invoices in for blueplanet as I done gardening and it was suppose to be payed today it's taken 2 months they said it's on a pay roll can it be payed anytime of the day??

BankAccountAdvice Editor 26/06/2015 at 10:12 am

@Harveldene - you can find out via the bank directly if you give its customer service helpline a call.

Harveldene 24/06/2015 at 6:04 am

Child benefit said they'd sent out a payment on Friday and I should have it Wednesday. It's not there, and I can only request a call back that can take up to 7 days. Anyway of finding out from the bank if this payments waiting to clear?

Andy Editor 09/06/2015 at 2:20 pm

@Wilson - your company shouldn't ask for your card number, unless it is for items such as staff purchases and it shouldn't take money out unless it is again for purchases. All wage payments etc would be done through your account number and sort code.

Wilson 08/06/2015 at 1:34 am

If a company has my card number can they take money from my account? Without needing the account number, or does it work by the account number instead?

dingabell 04/06/2015 at 9:44 am

Hello , if a BACS payment was paid into my bank on Tuesday 2 June , when would I expect it to clear please

dingabell 04/06/2015 at 9:42 am

Hello , I have been told money has been put into my account via Bacs on tuesday 2 june , when will I expect this to clear please

BankAccountAdvice Editor 03/06/2015 at 10:18 am

@Mikeco73 - if it hasn't arrived already, you should contact your bank directly.

Mikeco73 31/05/2015 at 9:38 am

Hi
I was due a bacs payment on Friday but found out the company send the bacs payment that day
When will it appear in my account please

BankAccountAdvice Editor 28/05/2015 at 10:06 am

@si - I'm afraid you would have to speak with your employer regarding this, as while it may theoretically be possible, your employer may have an issue with it.

si 25/05/2015 at 10:17 am

Hi I'm overdrawn on my old bank and my wages will be going in on Wednesday. Could my work do a bacs transfer recall do my wages don't get to my old bank account I heard they can do this but at a cost to my employer is this true

BankAccountAdvice Editor 06/05/2015 at 11:06 am

@cos651 - You would really have to call your bank directly, but the HMRC are usually pretty prompt in paying.

cos651 06/05/2015 at 5:18 am

Is posible to check if a bacs payment has been isued to my bank account? I get a message from Hmrc on 30.04.15 that the payment has been isued and today i still don t have the money in my account. Is this normal? Thank you

BankAccountAdvice Editor 28/04/2015 at 10:49 am

@J - you would really need to contact your bank or speak to your employer to find out this information.

J 25/04/2015 at 11:57 am

My payday is the 25th and has fallen on a saturday today. My manager said my wages will go into my account today but the lasttine this happend they didnt go in untill the monday. I bank with metro, will my wages go in today

Juju234 20/04/2015 at 1:14 pm

I'm with Barclays and my pay date is today however couple of the workers that work with me for their money on Friday 17th and it's Monday 20th my money should be in my bank today but it's not showing up. It's past 1pm and I'm still waiting. Is my money going to be in my bank today?

BankAccountAdvice Editor 17/04/2015 at 12:19 pm

@Blue - yes, you can call the bank and ask whether it has gone into your account.

Blue 16/04/2015 at 6:51 pm

Can your bank tell if a payment like barclays payment is clearing into your account

Tasha Editor 02/04/2015 at 2:25 pm

@Lin - I hope you have received your money by now. You should see it when it clears and is available to spend. If you can't see it yet, then I should either speak to your HR, or the bank.

Lin 01/04/2015 at 7:23 am

if my wages were paid into my bank via bacs yesterday is it normal that the money is not showing in my bank at all?? Will it show when it clears or should I be able to see the money already without it being available to spend yet?

BankAccountAdvice Editor 02/04/2015 at 11:39 am

@Volcanoelle c - Generally speaking, BACS payments are usually straightforward, so there shouldn't be an issue here. However, not all accounts (for instance some saving accounts or deposit accounts) allow you to send a payment this way. In the first instance I would check with the bank and see if it is set of for a BACS payment on the account number and sort code you have given.

volcanoelle c 31/03/2015 at 1:39 pm

To add to my earlier comment. The council have blamed it on the fact that the money was been sent to a savings account.

volcanoelle c 31/03/2015 at 12:28 pm

A particular council stated they made a large BACS payment into my account earlier this year only it never made it to my account. They blamed the bank stating that my bank sent it back. When I checked with the bank all the details I had were correct and yet nothing had been paid in. The council supposedly tried again, and the same thing happened. I checked with the bank again who said either my account is blocked or the accounts dept are making an error. The bank checked and my account is not blocked. I asked the council to see a copy of the paperwork to prove that the money had been sent back they refused stating it appears on a bank statement with other private payments. I have given yet another account, this time a building society only to find 10 working days later, the payment is still not in the account and there is no record of it waitng to be cleared? So what conclusion should I come to here?

Will Editor 11/02/2015 at 2:16 pm

@h - you could approach HR dept directly and ask for an advance if you do not wish to wait until next month, or ask them if they can put it through sooner.

h 10/02/2015 at 2:12 pm

I am paid by bacs every 4 weeks.a mistake by the payroll department meant that I was only paid 10.5 hours overtime instead of 21 hours overtime.my employer has said that I will have to wait until the next month,s pay date to be paid the overtime they failed to pay.this seems unfair as the error was down to the payroll and not myself.

budgie 05/12/2014 at 11:08 pm

Hi no had no insurance at the time but travel company has agreed to refund but will only pay it back to original account which is now frozen.

Phil Editor 05/12/2014 at 2:22 pm

@budgie - did you take out insurance? If you did you might be able to claim yourself, if it has cancellation or curtailment cover.

budgie 05/12/2014 at 8:48 am

My friend passed away recently and we were due to go on holiday together, we have been offered a refund but the company say the can only refund it back to my friend's account which has been frozen. The payment was made by bacs.

BankAccountAdvice Editor 14/11/2014 at 12:29 pm

@Mark - it's always annoying when you have to wait for someone to officially come back with a statement that you told them as a fact in the beginning. You could always ask Friendslife to compensate you with loss of interest on the time between the award and receiving it. You might also want to look at the paperwork and see if there are any clauses for witholding payment, but frustrating, yes.

Mark 14/11/2014 at 6:34 am

I have an endowment with Friendslife which matured on 1/11/14 and they have still not paid out as they say the policy is still assigned to a mortgage with the prudential however I changed to a repayment mortgage years ago,they have waited until the middle of October before telling me this news. I am now in the process of getting a letter from prudential explaining that my endowment is not assigned to the mortgage in order that I receive my endowment, I think Friendslife have a cheek in waiting so late before giving this information to me, I think they deliberately withhold payment in order to gain more interest on the policies.

Frustrated 23/10/2014 at 11:29 am

Quote :

"A BACS payment can take between three to five working days to clear, whether it is being paid into your account or out of your account."

C'mon BACS, the year is 2014 not 1914! Ever heard of the "faster payments" system implemented between banks?

These delays are surley not required in this day and age???

Den 13/09/2014 at 2:03 pm

Hi,
I'm really worried!! I'm due to get my leavers pay on Tuesday it is now saturday!! But the bank my old employer has is an old account I don't use anymore due to an overdraft and credit card. I'm wondering will I be able to ring them up and change my bank details over?? I understand I might not get paid on Tuesday I'm just wondering if I ring them up first thing Monday morning can they stop that money going intoy old account?? And tranfer it over to my new one??

ej 26/08/2014 at 11:51 pm

Bacs payment was sent friday so am I thinking wednesday it will clear as monday was a bank holiday. Thanx

Teresa Jones 13/07/2014 at 5:29 pm

Hi if my solicitor transfer money on 10th july and she said be ready on monday 14 not yet shown on mu statement how come

roddy 30/06/2014 at 8:13 am

I've had money transferred from my mothers account in usa on thu 28th june. When will it clear in my halifax account here in uk. Also should it show up on my balance before it clears.

Wheater90 23/06/2014 at 3:44 pm

My partner has left me and my wages get paid into her account from my local council this is due to go in on the 25th of this month and it is now the 23rd can this be stopped by my works as they saying they don't know.
Any advice will be great full

ali 20/06/2014 at 4:51 pm

can a BACS payment clear into a barclays account on a saturday??

Bob 23/03/2013 at 6:10 pm

A donation to the Santander bank account of a registered charity from Kent County Council was made and the sum of money , £2500 has never appeared in the charity's account. I have the reference number that relates to this transfer, but I would like advice on how to proceed to secure this donation. A committee member of the charity has approached the bank in question on this topic but at this moment we do not have a resolution.
Robert

babbit 01/07/2012 at 8:49 pm

Looking for little adivse,I booked a Holiday to Cuba for two weeks flying out on the 11th july 2012paid £501 on the 11th january 2012 but after a week I phoned the company Your Holidaysand advised them I had just found out I was expecting and the time the holiday comes I will be two far on to flythe lady I spoke with said I could transfere the holiday to next year flying out 11 january 2013 and no later than this date I said this is fairbut once we chose some places and got some prices like they advised I emailed the information and they came back with prices all over £1300 for a week in Turkeyi advised I wouldnt be able to aford this and wish to cancel, lady said she wasnt sure but it was more than likely I would get my rufund of £501 back due to been pregnant and midwife advsing I don't fly at this time.i recveied a email on the 30th may for outstanding balance I emailed straight back and explained I had already canceled this holiday on the phone and the lady said she would put this on my notesspoke with Kellie on the 20 June and she threaten to pass my deatils on to credit agency where I said that was fine (i would arrange a monthly instalment) but on the 26 of June Your holidays went inot my bank and took out £50 unauthrised further £1oo on the same day and then £500 on the 27 june also unauthrisedi have spoke to You're holidays and the have refused to comeent on this and my bank is unwilling to help as I gave permission away back in January for £500 depositi have now had to get my overdraft £1000 to cover my bills and pay for my pram for my baby who is due in Septmeber I have hardly slept or ate since this as I'm now going to struggle to pay back £1000 overdraft is there any advise or someone that can ppoint me in the right direction to gettin my money back ?

Cunningham 23/06/2012 at 2:03 pm

So BACS have never misplaced a payment. My latest Talk Talk bill claims that they made a BACS transfer into my bank account on 14.6.12. As of today, 23.6.12 there is no sign of the money in my account.

So who's lying? Talk Talk or BACS?

Rothers 19/06/2012 at 5:07 pm

HiSoemone is looking to buy a car from me and pay through a bacs payment. Is there anyway they can reclaim the money after it is showing in my bank account on-line?

Anto 17/02/2012 at 4:37 pm

Can a bacs payment, once in your account be stopped

Sabreman 12/04/2011 at 8:53 pm

I made a BACS transfer from an account in one UK bank to my current account in another UK bank. The money was for the cash purchase of a car arranged for Saturday and the transfer took place during Tuesday evening. I went into the receiving bank to give advance notice that the transfer would occur for a ignificant sum. The BACS went through during the early hours of Friday morning but when I went into my bank that morning to withdraw the cash, this was denied and I was told that they had to hold the money for 24 hours in case the sending bank clawed it back !! A row ensued because I had made arrangements to travel some distance to buy the car on the Saturday. My works pension is paid into my current account by BACS transfer and that is immediately accessible. So why was I denied my cash when it was agreed by all concerned that it was sitting in my account ?

Ask Bank Account Advice a question

Ask our editorial team a question and we will reply with our advice. Tell us as much about your situation as you can: the more detail you give, the more useful our answer can be.

You do not need to use your real name. Please do not include your full address, phone number, email address, or the names of other people. We may edit or remove identifying details for privacy and legal reasons.

Comments are moderated before publication.