Skip to Main Content Increase Contrast Accessibility Help

Bacs Payments

Make electronic payment transfers from one UK bank account to another

What is Bacs?

Bacs is a secure, cost-effective solution that can help businesses save time and effort with large volumes of payments.

There are two main Bacs payment types:

Direct Debit

This is when you give permission for third parties to take regular payments from your account, such as utility companies.

Direct Credit

Also known as ‘bank transfers’, this is when third parties transfer money into your account, such as your salary.

To learn more about the range of Bacs-approved services you can use to make or receive payments, visit the Bacs website.

Bacs Services

We provide multiple Bacs payment options including the Unity e-Payments service, which is suitable for small and medium-sized organisations. Larger organisations may benefit from our Bacs Direct service. Contact us to discuss your options.

Unity e-Payments

Use our third-party Bacs Bureau service to submit payments and complete processing on your behalf.

  • Easy access: Flexible, 24/7, multi-user access
  • Save time and money: No form-filling with all payment files submitted online
  • Enhanced security: Keep your account and reports secure with sort code and account number validation

Am I eligible?

To apply for Unity e-Payments, you must meet the below criteria:

  • Be a UK resident
  • Be a UK-based company – sole trader, business partner or director
  • Hold or open and maintain a business current account with Unity Trust Bank
  • Be aged 18 or over

Ready to register or want to learn more about Bacs?

A credit limit is required to use this product and your application will be subject to meeting our eligibility criteria. This means we’ll complete a credit check and an assessment of your financial circumstances.


Our tariffs offer you the choice of a Single Payment or a Batch Payment option.

  • Single Payment allows you to input payee name; account, payment, and reference details, and make or collect the payment.
  • Batch Payment allows you to create small batches of payments and submit them through the service in one go.


We have a variety of payment products to suit your requirements. To register for e-Payments or to learn more about our Bacs services:

envelope iconComplete our online e-Payments form

phone iconContact our UK-based Call Centre via email at:, or call 0345 140 1000

Other Unity payment solutions:

Bulk Faster Payments

Make multiple bill payments through Online Banking quickly and easily to reduce the admin time for processing online payments

Corporate MultiPay Card

Be in control of spend and day-to-day purchases with a charge card specially designed for Unity customers
card payment in a shop

Accepting Card Payments

We have partnered with Elavon to offer customers simple and bespoke card payment solutions for all businesses

It’s simple, secure and stress-free to switch to us

If you’re ready to switch your Business Current Account to Unity Trust Bank, we’ll make sure it happens like clockwork. It’s guaranteed to take 7 working days, it’s free, and it’s all taken care of by the Current Account Switch Service.

Sign up to our newsletter

Keep up-to-date with all our latest news, events, blogs and case studies