BACS File Generator | UK Payment Files from CSV - Bank-Statement-Conversion
Bank payment file generator

BACS File Generator | UK Payment Files from CSV

Generate generic UK BACS-style payment files from CSV or Excel with SUN and sort code validation.

CSV or Excel
Upload payment rows from spreadsheets your team already uses.
Mapped columns
Auto-detect common headers or override each field manually.
Bank format
Download ACH, CPA005, SEPA, BACS, ABA, or NZ payment files.
Structure validationMasked bank detailsCSV/XLS/XLSX input
UK BACS · Structure validation

Upload CSV or Excel

Map your recipient columns, enter originator details, validate, and download through the existing conversion flow.

Account
Guest
Output
UK BACS
Upload CSV or ExcelCSV, XLS, and XLSX files are supported.
CSV XLS XLSX
Leave mapping fields blank to let us infer columns from your headers.
UK BACS setup
Enter the originator fields your bank assigned to you.
Column mapping
Auto-detect normal headers, or map custom spreadsheets manually.
Auto-detect is on
We will infer payee, amount, date, reference, and bank account columns from your headers.
Review confirmation
I confirm the originator details are accurate and this file will be reviewed with the bank before production upload.
Standard-format payment files

From spreadsheet to bank review file

Upload payment rows, confirm the bank setup fields, validate the structure, then download through the same conversion and credit flow.

Masked previewExisting pricingToken downloads
1

Upload a payment spreadsheet

Start with a CSV or Excel file containing payee names, payment amounts, dates, references, and bank account details.

2

Map fields and validate

Confirm originator details, map recipient columns, and let the generator check account identifiers, dates, totals, and required fields.

3

Download for bank review

Generate a standard-format payment file and review it with your bank before sending live payroll, vendor, rent, or payout batches.

UK BACS

UK BACS-style payment files from spreadsheets

Build generic BACS-style payment files from CSV or Excel data for UK payment workflows. The output includes Service User Number setup, sort code/account validation, payment references, and bank-specific caveats.

Required input columns
Payee name columnAmount columnPayment date columnReference columnSort code columnAccount number column
Bank-readiness checks

Validation before download

Before download
Service User Number field
Sort code and account fields
Payment amount totals
Reference sanitization
Processing date warnings
Bank profile caveats

Validation before download

We check source rows and generated files for required columns, identifiers, dates, totals, record lengths, and common structural issues before creating the download.

Qualified bank-ready output

Nacha, Payments Canada, EPC/SEPA, Bacs/Pay.UK, QuickBooks, and bank names are trademarks of their owners. This tool is not affiliated with those organizations. Always confirm file requirements with your bank.

Run a test file first

For first-time setups, submit a small test file to your bank or confirm the generated layout with your bank implementation team before sending production payments.

Common questions

Payment file generator FAQ

Can I create BACS files without payroll software?

You can generate generic BACS-style payment files from spreadsheets, but your bank or bureau may require profile-specific settings before live submission.

What setup field is required for BACS?

The key originator field is the Service User Number, often called the SUN.

Can BACS bank requirements vary?

Yes. BACS and bureau workflows can include bank-specific constraints, so first files should be tested with your bank.

Related payment file tools

Bank Payment File ValidatorFree validator for generated payment filesNACHA / ACHUS ACH payment filesCanadian EFT / CPA005Canadian EFT filesSEPA pain.001 XMLEurope pain.001 XMLUK BACSUK payment filesAustralia ABAAustralia Direct EntryNew Zealand payment fileNZ bank templates