In the SEPA and Bacs schemes certain days are configured as non-working or non-business days. On these days no payment or mandate processing is carried out. This section gives some extra details on these non-processing days.

Overview

In both the SEPA and Bacs schemes (for both Direct Debit and Credit Transfer payments) the following are non-processing days:

  • Saturdays
  • Sundays

In addition, the following are deemed to be non-processing days:

  • Christmas Holidays (December 25th & 26th)
  • New Year’s Day (January 1st)
  • Easter Holidays (Good Friday & Easter Monday)

However the schemes differ on other holidays as outlined in the table below.

Non-Processing Days Overview

The following summarises the non-processing days applicable to both the SEPA and Bacs Direct Debit and Credit Transfer schemes:

Day Date Description Scheme
New Year’s Day January 1st If the day falls on a Saturday or Sunday it is not carried forward in SEPA; for Bacs the next business day is taken. SEPA & Bacs
Good Friday Variable Changes annually SEPA & Bacs
Easter Monday Variable Changes annually SEPA & Bacs
Labour Day May 1st If the day falls on a Saturday or Sunday it is not carried forward in SEPA; for Bacs the next business day is taken. SEPA & Bacs
Spring Bank Holiday Variable Typically the last Monday in May Bacs only
Summer Bank Holiday Variable Typically the last Monday in August Bacs only
Christmas Day December 25th If the day falls on a Saturday or Sunday it is not carried forward in SEPA; for Bacs the next business day is taken. SEPA & Bacs
Christmas Holiday December 26th If the day falls on a Saturday or Sunday it is not carried forward in SEPA; for Bacs the next business day is taken. SEPA & Bacs

Bacs Non-Processing Days

Note that:

  • As some holidays may fall on a Saturday or Sunday and get pushed to the next business day in any given year, it is important to verify the non-processing days from year to year.
  • Some Bacs holidays are only applicable to Northern Ireland.
  • Ad hoc dates may be added as non-processing dates, for example the Platinum Jubilee bank holiday planned for June 2022.

To confirm the exact dates for the Bacs holidays, please refer to the Bacs Processing Calendar, which is published annually and available on the Bacs Web site:

Year Link
2021 https://www.bacs.co.uk/documentlibrary/bacs_processing_calendar_2021.pdf
2022 https://www.bacs.co.uk/documentlibrary/bacs_payment_system_processing_calendar_2022.pdf