Bacs

33 payment providers accepting Bacs.

Most of the first 24 concentrate in Europe, North America, Oceania.

33 providers

GoCardless logo

GoCardless

Recurring payments

traditional
Fees
1%–1.4% + £0.2
Settlement
2–5 business days
Instant
Low Fees
Recurring
Sandbox
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Griffin logo

Griffin

API-first Bank in the UK with an open sandbox

baas +1
Fees
Pay-per-use pricing; no hidden fees. Scale as you grow.
Settlement
Instant
Enterprise
Instant
Recurring
Sandbox
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Gemba logo

Gemba

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

baas +1
Fees
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.
Settlement
Varies
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ClearBank logo

ClearBank

UK Banking Infrastructure

baas
Fees
Custom
Settlement
Instant
Crypto
Enterprise
Instant
Sandbox
View provider
Transferra logo

Transferra

Internationally operating businesses (including non-UK residents) that need a UK-regulated multi-currency IBAN account for cross-border SEPA, SWIFT, Faster Payments and ACH transfers.

baas
Fees
Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%.
Settlement
Varies
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MultiPass logo

MultiPass

Companies, not individuals, that need multi-currency GB/UAE IBAN accounts, FX, mass payouts and API access for international supplier and partner payments.

baas
Fees
Dedicated Relationship Manager: Free; Online banking: Free; Additional IBANs and currencies: Free. Account opening and due diligence: from £500; Priority onboarding (additional fee): £500; Additional user: £100; Annual due diligence: from £100. Monthly maintenance fee: from £100; Minimum balance: from 3 monthly fees; Account closure fee: from 3 monthly fees. Payments (incoming / outgoing): Local EU (SEPA / SEPA Instant) €2 / from 0.10% (min €10); Local UK (Faster Payments) Free / £1; Local UK (BACS / CHAPS) £20 / £20; Local US (ACH) from 0.15% (min $10) / from 0.15% (min $10); Local US (Fedwire) from 0.10% (min $25) / from 0.10% (min $25); International (SWIFT) £20 / €25 / $30 / £40 / €50 / $60; Between MultiPass users Free / Free. Quote serves as a guide; actual costs depend on industry, payment volumes and other factors.
Settlement
Varies
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Whop logo

Whop

regional +1
Fees
2.7% + $0.3
Settlement
3–5 business days
Sandbox
Claimed View provider
Finion logo

Finion

Gyms and fitness studios, especially those on Magicline or PerfectGym, that want membership billing, card/wallet acceptance and collections from one provider.

traditional +1
Fees
Custom
Settlement
Varies
View provider
Access PaySuite logo

Access PaySuite

UK businesses and public-sector organisations that collect recurring payments by Direct Debit and also want to take card and Pay by Bank payments on one platform.

traditional
Fees
Direct Debit (Small and Medium businesses): From 8p per transaction; Enterprise: Custom; No setup fees. Online payments: From £25 per month (350 Transactions Included); From £50 per month (850 Transactions Included); Custom for high-volume.
Settlement
Pay by Bank: The payment settles in real time
View provider
E

Equals

baas +1
Fees
Custom
Settlement
Varies
Crypto
View provider
ISX Financial logo

ISX Financial

Businesses wanting one provider for a UK/EU corporate eMoney account plus collections by card, open banking and direct debit.

baas +1
Fees
Custom
Settlement
Varies
View provider
Clear Junction logo

Clear Junction

Licensed financial institutions such as banks, EMIs, PSPs, remittance and FX providers and regulated digital-asset firms that need GBP/EUR accounts, virtual IBANs and access to UK/EU payment rails.

baas +2
Fees
Custom
Settlement
Varies
View provider
Acquired logo

Acquired

UK businesses that collect recurring payments, such as lenders, BNPL providers, insurers, collections agencies, trading platforms, subscription/SaaS firms, telecoms/utilities and charities.

traditional
Fees
Custom
Settlement
Varies
View provider
Frontier Pay logo

Frontier Pay

UK businesses that want card acquiring along with multi-currency business accounts and UK/EU and international payments from a single FCA-authorised e-money provider.

traditional
Fees
Custom
Settlement
Choose same day, next day, or three day settlements to keep your cash flow steady and your business agile.
View provider
FastPay logo

FastPay

UK small and medium businesses and charities that want to collect recurring or one-off payments by Bacs Direct Debit, either under FastPay's SUN or their own.

regional
Fees
Managed Pay as you go: 10-50p per transaction, one-off set-up fee (£375), no monthly or annual fees, Bacs DD or AUDDIS file submission & processing £5.00. Managed Flat Rate: £49 per month, up to 100 debits FREE, no set-up fee. Bureau Pay as you go: From 3p per transaction, one-off set-up fee, no monthly or annual fees.
Settlement
FastPay will immediately transfer cleared funds to your account
View provider
Plusius logo

Plusius

Fintechs, financial institutions and cross-border eCommerce or logistics businesses that need automated pay-ins, payouts, FX and import duty/tax collection.

infrastructure +1
Fees
Custom
Settlement
Varies
View provider
allpay logo

allpay

UK public-sector and regulated organisations such as local authorities, housing associations, healthcare bodies, credit unions and debt collectors that need to collect bill payments through several channels and pay out funds.

traditional
Fees
Custom
Settlement
Varies
View provider
Payoma logo

Payoma

Businesses that want a multi-currency IBAN business account in the UK, EU or UAE, plus Visa and Mastercard card acquiring from the same provider.

traditional
Fees
Custom
Settlement
Varies
View provider
London & Zurich logo

London & Zurich

UK businesses, from small firms and charities to enterprises, that collect recurring payments by Bacs Direct Debit and want a managed service with phone support.

traditional
Fees
Foundation: Pricing around 1%; Business: Pricing from 0.5% or 20p; Enterprise / Reseller: Banded pricing that reduces as you grow
Settlement
Varies
View provider
Ebury logo

Ebury

Businesses and software platforms (e.g. payroll, pension, insurance, travel, maritime, marketplaces) that need to make high-volume cross-border payouts and FX, or embed payments and FX into their own product.

baas +2
Fees
Custom
Settlement
Varies
View provider
Financial House logo

Financial House

UK businesses and ISOs/partners that need GBP and EUR virtual IBAN accounts, including white-labelled accounts for their own clients, via a single API.

baas +1
Fees
Custom
Settlement
Varies
View provider
F

Fire

baas +1
Fees
Custom
Settlement
Varies
View provider
CreDec logo

CreDec

UK businesses, from SMEs to enterprises, plus finance intermediaries such as accountants and payroll providers that want to send and collect payments in real time straight from their existing bank accounts.

regional +1
Fees
Custom
Settlement
Varies
View provider
Railsr logo

Railsr

Fintechs, sports clubs, retailers and brands that want to build wallets, accounts, cards or rewards into their own app through an API.

baas +1
Fees
Custom
Settlement
Varies
View provider

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