Sunday, 14 April 2013

Yes, & is a BACS character

BACS allows some specific characters in the coding of BACS transactions, used for payer name, beneficiary reference, etc. It is A-Z, 0-9, . (dot), - (hyphen), / (slash), space, and & (ampersand).

The catch is that & is special in HTML. So needs escaping, obviously.

So I sent a 1p payment to a customer for fun. I sent from AA&REG

This is what he saw:-

Naughty Bank of Scotland.

Oddly, on the CSV download this is "AA AND REG" which is even stranger.

FYI Barclays seemed to escape stuff properly.

Banks still have a lot to learn!


  1. I'd be tempted to try a couple of SQL statements just in case :p

    (then run away very fast if it worked)

  2. What about some Unicode characters?

  3. Can you name your Account Little Bobbie Tables

    1. Sadly there are very few characters, not even a # that could be used to make a unicode reference. So no.