UK Bacs Cycle Calendar
The three-day Bacs processing-cycle engine for Odoo — schedule submission and credit dates around England & Wales bank holidays
A precise, offline calendar engine for the United Kingdom Bacs three-day clearing cycle. Enter the day you want a beneficiary to be paid and the engine works backwards across the published Day 1 (input), Day 2 (processing) and Day 3 (entry) cycle to tell you exactly when your Bacs file must be submitted — automatically skipping weekends and England & Wales bank holidays. A pure scheduling utility: no bank connection, no transmission.
What it does
Plan in either direction
Plan from the credit date (work backwards to the submission day) or from a chosen submission date (work forwards to the credit day). The engine always returns three consecutive Bacs banking days.
Holiday-aware
Built-in England & Wales bank-holiday calendar (the statutory days the Bacs scheme observes), generated for any year from the published rules — including Easter movable feasts and weekend substitution for New Year, Christmas and Boxing Day.
The published Bacs three-day cycle
Bacs Direct Credit and Bacs Direct Debit both run on a fixed three-banking-day cycle. This module encodes that cycle exactly:
| Day | Stage | What happens |
|---|---|---|
| Day 1 | Input / Submission | The file is submitted to Bacs before the daily cut-off (published deadline 22:30 UK time). Must be a banking day. |
| Day 2 | Processing | Bacs validates and routes the entries to the recipient banks. The banking day after Day 1. |
| Day 3 | Entry / Payment | Accounts are debited and credited with cleared funds — the date the beneficiary is paid. The banking day after Day 2. |
Features
Bidirectional cycle engine
Submission → credit and credit → submission, both fully holiday-aware.
Submission cut-off
The exact "must be in by" date and time, using the published 22:30 deadline or your own configured cut-off.
Date rolling
A requested credit date on a weekend or bank holiday is rolled forward to the next available Bacs processing day, and flagged.
Recurring schedules
Generate weekly, fortnightly, four-weekly or monthly series of cycles in one step (e.g. monthly payroll on the 28th).
England & Wales bank holidays
Generate the statutory days for any decade; add your own one-off closures the engine will respect.
Cycle validation
Check that any three dates form a lawful, consecutive Bacs cycle before you rely on them.
How it works
- Open Bacs Calendar › Bank Holidays and run Generate Decade to populate the next ten years of statutory England & Wales bank holidays.
- Open Plan a Cycle, choose the service (Direct Credit or Direct Debit) and enter your desired credit date.
- See the full three-day cycle and the submission cut-off instantly; create a single cycle or a recurring series.
- Track each cycle through Draft → Scheduled → Submitted → Paid, with a full chatter history.
Scope & boundary
This is a pure calendar and scheduling utility. It computes lawful Bacs cycle dates and submission cut-offs so your finance team can plan; it does not connect to a bank, is not a Bacs bureau or service user, and transmits nothing. It is the date-engine layer only and pairs naturally with any Bacs file generator.
Compatibility & support
Odoo 18 & 19 (Community and Enterprise). Multi-company aware. No external dependencies.
Support: support@pokutsoft.com
Keywords: UK Bacs, Bacs cycle, Bacs Direct Credit, Bacs Direct Debit, three-day cycle, processing calendar, submission date, credit date, England & Wales bank holidays, banking days, payment scheduling, payroll dates.
Screenshots
Bank Holidays
Cycles
Plan A Cycle
Settings
Update date: 2026-07-02