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AIBU?

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Original poster

Work changing payment method

41 replies

YorkshirePuddingsGreatestFan · 11/07/2025 17:49

I get paid on the last working day of the month. Most of my direct debits go out on the first working day of the month.

I've just been informed that my employer is changing from faster payments to BACS transfer to save them money in bank charges. This means they will do the usual pay run at the month end, but it won't go into my account on the 31st July. Instead it will arrive 3-4 working days after that.

I'm screwed now as I'm struggling to make ends meet, and I won't have my salary paid in to cover everything that is due out on the 1st August. I'll now have to contact everyone and see if I can change the payment dates to a few days later each month.

AIBU thinking it's unfair to make me wait for my salary to save them money?

OP posts:
Original poster
YorkshirePuddingsGreatestFan · 11/07/2025 19:57

Thanks all.

I'm not sure what my contract states. It's at work and I'm not back in until Monday.

No signs of being in trouble, but the old accountant left and we got a new one who is being super efficient and changing things. I guess this is another of their cost saving measures.

OP posts:
TutTutTutSigh · 11/07/2025 19:57

Echoing PP, they should set the payment up 3 days before pay day so you are unaffected. This is standard practice. Very strange if they don't.

DilemmaDelilah · 11/07/2025 19:45

I'm paid by BACS on the 27th of each month or the Friday before if it falls on the weekend or a bank holiday. The payment goes into my bank a few minutes after midnight of payday. I don't think you'll have a problem.

Caravaggiouch · 11/07/2025 18:54

JackJarvisEsq · 11/07/2025 17:59

BACS files take 3 or 4 days from submission so they are correct in what they are saying but what they ought to be doing is submitting their file prior to pay day so it lands on the right day

Yes this is what they should be doing. If it’s just about saving bank charges they should be ensuring you are still being paid on the same day.

AndSoFinally · 11/07/2025 18:52

Yes exactly this. They have to do their pay roll run earlier if they want to change to BACS, not make everyone wait an extra 3 days!

Newmum2610 · 11/07/2025 18:40

Why wouldn’t they just upload the BACS file three days early? I did payroll for years and if staff were due paid on a Friday, BACS file would be uploaded
on the Wednesday afternoon.

Goonie1 · 11/07/2025 18:37

Check your contract. If it says you get paid on a certain day, then it should be with you on a certain day. Breach of contract otherwise.

MiniCoopers · 11/07/2025 18:34

If it’s going to take 3-4 days why can’t they start the payroll run on the 25th or so?

randomchap · 11/07/2025 18:19

What does it say in your contract?

GabriellaMontez · 11/07/2025 18:02

JackJarvisEsq · 11/07/2025 17:59

BACS files take 3 or 4 days from submission so they are correct in what they are saying but what they ought to be doing is submitting their file prior to pay day so it lands on the right day

Agree.

Is there anything else going on there?

Any signs that they're in trouble?

Merryoldgoat · 11/07/2025 18:01

Foodieasfuck · 11/07/2025 17:53

My salary is paid by bacs and I get it same day. Hopefully you will too 🤷‍♀️

How? BACS is a three day payment.

Most companies will choose a pay day and just run it earlier so the money goes in on the designated day.

We pay by BACS and salary is credited on last Friday of the month. Therefore I send it to the bank Wednesday latest with Friday value date.

We’d never make people wait into the new month for their salary.

JackJarvisEsq · 11/07/2025 17:59

BACS files take 3 or 4 days from submission so they are correct in what they are saying but what they ought to be doing is submitting their file prior to pay day so it lands on the right day

Original poster
YorkshirePuddingsGreatestFan · 11/07/2025 17:57

Foodieasfuck · 11/07/2025 17:53

My salary is paid by bacs and I get it same day. Hopefully you will too 🤷‍♀️

Thanks that's reassuring.

Their email said it would take 3-4 days to get to my bank account.

OP posts:
Original poster
YorkshirePuddingsGreatestFan · 11/07/2025 17:56

GabriellaMontez · 11/07/2025 17:52

Have they only just told you?

If so I would reply and explain to them that this will lead to bank charges. Ask them to implement it next month.

Yes we just got an email from accounts five mins before we finished this evening.

Most people have 1st of the month direct debits, so a lot left upset and worried.

OP posts:
Foodieasfuck · 11/07/2025 17:53

My salary is paid by bacs and I get it same day. Hopefully you will too 🤷‍♀️

GabriellaMontez · 11/07/2025 17:52

Have they only just told you?

If so I would reply and explain to them that this will lead to bank charges. Ask them to implement it next month.

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