Bacs Payments is an electronic payment system to make and receive non-urgent, high volume and low value payments directly to bank accounts.
To submit Bacs payment instructions to the Bacs Scheme, businesses need a Service User Number (SUN) – a six digit reference number which identifies the business making Bacs Direct Credits or collecting Direct Debits. Businesses are able to apply to Bank of Scotland for sponsorship of a SUN.
There are two ways businesses with their own SUN are able to submit payment instructions to Bacs:
- via Bacs-approved software – Bank of Scotland’s approved software solution is Pay and Collect Online
- via a bureau – Bank of Scotland has a bureau solution for the collection of Direct Debits – Pay and Collect Online Direct Debit Bureau
Businesses without their own SUN can submit Bacs Direct Credit instructions to Bacs via online banking. Or if you’re looking to collect Direct Debits but do not have your own SUN, we can consider a referral to Eazy Collect – a Bacs-approved bureau and facilities management provider.
We charge a set-up fee of either £250 for applications including Direct Debits or £150 for a Direct Credit only application, then a fee per file and item submitted depending on your current account tariff.
For Bacs Direct Credits via Online Banking please visit our Bulk Payments page for more information on rates and charges.
Cardnet® is a registered trademark of Lloyds Bank plc.