UK Clearing Network

Below are the details for UK GBP clearing.  Typically you will need to look for the service you are looking for in the field serviceIdfield, these are

BACS

CHAPS

FAST

CCCC

and to see that the field directIndirect is either D or I to ascertain if the bank is a member of the network.

Direct debit membership will additionally require you to look for the serviceId to be BACS, the bank to have the status of D or I in the field directIndirect and attributeValue3 to contain DR

BACS

This is an electronic system to make payments directly from one bank account to another. They’re mainly used for Direct Debits and direct credits from organisations. The payments take 3 working days to clear, so money paid into your account on Monday will clear on Wednesday.

Field Name Description Sample Data
serviceId: Payment channel name BACS
currency: Currency GBP
participantId: Participant Sort Code 400621
participantName: Particpant Name HSBC BANK PLC (RFB) – LONDON BRIDGE
participantType: BACS clearing status: “A” (Agent) or “M” (Member) M
directIndirect “D” if PARTICIPANT TYPE is Directly connected
“I” if PARTICIPANT TYPE is Indirectly connected
D
intermediaryId: The sort code of the Settlement bank 919
addressableId: The sort code of the Redirected to bank
attributeType1: Handling bank Handling bank
attributeValue1: BACS Handling bank 919
attributeType2: BACS Voucher flag BACS flags
attributeValue2: Concatenation of
Redirection from flag (R if redirected, N if not redirected),
Accounts
numbered flag (Y if numbered, N if not numbered), and
DDI voucher flag (Y if
DDI voucher, N if no DDI voucher)
RYN
attributeType3: Transaction types supported by BACS branch Transact allowed
attributeValue3: DR Direct Debits
CR BACS Credits
BS Building Society Credits
DV Dividend interest
AU Direct Debit Instructions
CU Claims for Unpaid
Cheques
AU,BS,CR,CU,DR,DV,
countryCode: ISO Country Code GB

 

CCCC

These are the details of membership toCheque and Credit Clearing Company

Field Name Description Sample Data
serviceId: Payment channel name CCCC
currency: Currency GBP
participantId: Participant Sort Code 400621
participantName: Particpant Name HSBC BANK PLC (RFB) – LONDON BRIDGE
participantType: “M” Branch of a CCCC member
“F” Full agency bank branch
“D” Debits only
M
directIndirect: Null D
intermediaryId: The sort code of the Settlement bank 919
addressableId: Null
attributeType1: Return Indicator Return Indicator
attributeValue1: C&CCC Return indicator
attributeType2: Debit Agency Debit Agency
attributeValue2: Sort code of C&CCC Debit agency 000919
attributeType3: GB/Northern Ireland GB/Northern Ireland
attributeValue3: “GB” or “NI” GB
countryCode: ISO Country Code GB

 

CHAPS

These are payments to UK accounts that are guaranteed to arrive on the day you make them

Field Name Description Sample Data
serviceId: Payment channel name CHAPS
currency: Currency GBP
participantId: Participant Sort Code 400621
participantName: Particpant Name HSBC BANK PLC (RFB) – LONDON BRIDGE
participantType: “D” Direct Office (that is, CUG member) of a CHAPS GBP member that accepts CHAPS GBP payments.
“I” Indirect Office of a member or agency bank that accepts CHAPS GBP payments.
I
directIndirect: “””D”” if PARTICIPANT TYPE is Directly connected
“”I”” if PARTICIPANT TYPE is Indirectly connected”
I
intermediaryId: The sort code (first 3 digits) of the CHAPS GBP settlement member 037
addressableId: CHAPS GBP Routing BIC HBUKGB4BXXX
attributeType1: Return Indicator Return Indicator
attributeValue1: CHAPS GBP Return indicator
attributeType2: Null
attributeValue2: Null
attributeType3: Null
attributeValue3: Null
countryCode: ISO Country Code GB

 

Faster Payments

This service is for sending electronic, sterling payments in the UK.

As long as the receiving bank or building society uses Faster Payments too, and the amount is within the limit, then the payment will arrive almost immediately (though sometimes, it can take up to 2 hours).

Field Name Description Sample Data
serviceId: Payment channel name FAST
currency: Currency GBP
participantId: Participant Sort Code 400621
participantName: Particpant Name MIDLGB21
participantType: Faster Payments clearing status: “A” (Agent), “M” (Member) or “N” (non-Member) M
directIndirect: “””D”” if PARTICIPANT TYPE is Directly connected
“”I”” if PARTICIPANT TYPE is Indirectly connected”
D
intermediaryId: null
addressableId: null
attributeType1: Handling Bank Handling Bank
attributeValue1: FPS handling bank – connectivity code
•01 – FPS member
•02 – Direct agency
•04 – Responding third party beneficiary
•05 – Nonresponding third party beneficiary.
01
attributeType2: Settlement Bank Settlement Bank
attributeValue2: FPS settlement bank – bank code
The two-digit connectivity code (01) of the FPS scheme member that settles the output from the FPS clearing for this bank office.
01
attributeType3: Account Numbers Flag Account Numbers Flag
attributeValue3: Account numbers are able to be re-directed
•Y – The bank office has transferable account numbers. On redirection, due to branch closure, the account number is not set to zero.
•N – The bank office does not transferable account numbers. On redirection, due to branch closure, the account number is set to zero.
Y
countryCode: ISO Country Code GB