Bacs and Faster Payments are both run under scheme rules that Pay.UK administers, and those rules govern how account data in a UK credit or debit instruction is handled between the banks that use them. anonym.plus marks each value on your device, so the entry stays auditable while the data is shielded in line with UK GDPR.
When this applies
A transfer entry carries the payer's sort code and account number in plain digits. You strip those under the scheme rules before the record leaves your team.
How anonym.plus handles it
- Open the transfer entry in anonym.plus on your device.
- The tool flags sort code, account, and name fields.
- Local OCR reads a scanned mandate or authorisation form.
- Keep the reference and processing date you cite.
- Apply Mask to keep only the last four digits.
- Save the clean entry locally.
What you need to provide
- The transfer entry or Bacs Standard 18 file (TXT, CSV, scan).
- The Mask operator set to keep the last four digits.
- Optional allow-list for transaction references.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Bank | UK_BANK_NUMBER | a/c 4412 9087 → ****9087 |
| Bank | UK_SORT_CODE | sort 20-00-00 → [SORT] |
| Names | PERSON | payer Dawson → [PAYER] |
| Identifiers | UK_NINO | QQ 12 34 56 C → [NINO] |
| Amount | MONEY | £1,500.00 → [AMOUNT] |
| Dates | DATE_TIME | processing date → [DATE] |
Compliance achieved
- Protects account data per the Bacs / Faster Payments Scheme Rules, administered by Pay.UK.
- Supports UK GDPR / DPA 2018 minimisation when sharing transfer data.
- Offline handling keeps the bank data off any server.
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Limitations & cautions
A Standard 18 file packs fixed-width fields, so a custom layout may need a careful review. The tool flags known fields; verify an unusual format before you share it.
Frequently asked questions
How much of an account number may remain?
Apply Mask to keep only the last four digits. anonym.plus hides the rest across the entry in one pass.
Who actually runs the Bacs and Faster Payments schemes?
Pay.UK, the operator behind Bacs, Faster Payments, and the Cheque and Credit clearing systems. Its scheme rules set how member banks handle a payment instruction, including the sort code and account fields this task shields.
Is the file uploaded?
No. The app runs locally, so the bank data stays on your device.