About
Bacs Direct Debit is the UK's pull-payment scheme for recurring bills. The payer signs a Direct Debit Instruction once, and the merchant then submits collection files that draw money straight from the payer's bank or building-society account, with funds settling on the third working day of the Bacs cycle rather than instantly. The scheme is owned and managed by Pay.UK. Payers are covered by the Direct Debit Guarantee: normally 10 working days' notice of changes and a full, immediate refund for any error. Bacs processed a record 5.0 billion Direct Debits in 2025, 1.84 billion of them for utilities and household bills.
Official site →Countries
