Five common Bacs file mistakes
When it comes to Bacs processing, errors within files can be expected – however, some mistakes are more common than others and can easily be avoided. By avoiding these common Bacs file mistakes, you can save time and ensure successful transactions without any issues. Here are the most common Bacs file mistakes to watch out for.
1. Missing mandatory data fields
All Bacs files must include six mandatory fields of data. These are the payers' sort code, account number, account name, amount, user reference and transaction code/Bacs code. While other data can be added if necessary, these six fields are essential. Make sure to include them in your files to avoid any issues.
2. Invalid sort code/account number
Sort codes and account numbers must be specific lengths, and leading zeroes must not be removed. Invalid characters, such as letters or symbols, should also be removed. Keep these guidelines in mind when working with your Bacs files to avoid any errors.
3. Values in an AUDDIS File
In an Automated Direct Debit Instruction Service (AUDDIS) file, values above 0 will cause an error that prevents the file from being submitted to Bacs. New instructions and cancellations must be set at zero. Values above zero are for debits and credits only.
4. Commas within payee names
A comma within a payee name can easily ruin a .csv file. These are most often found in joint accounts or when a family name is in front of a given name. That little comma can throw out the rest of the line and cause havoc in the file, so be mindful of this when creating your Bacs files.
5. File format discrepancies
File format discrepancies can occur when a file is extracted from a CRM/database in the wrong format or when a file is amended at the service user's end. For example, a file created in Excel but amended in Notepad may automatically save in a new format. Be sure to check your file formats to avoid any unexpected issues.
In summary
By avoiding these common Bacs file mistakes, you can save yourself time and ensure successful transactions. However, if you do encounter any file issues, our processing team is always here to help you solve them. Just drop us an email or give us a call, and we'll be happy to assist you.