The trading in volume between Bacs and Faster Payments is predominantly in the consumer space. Corporates are not currently moving volumes across to the Faster Payments service, even with the, albeit limited, availability of specific corporate propositions, this is unlikely to change until more banks offer such services. On the last point, with the Bacs service there is a simultaneous debit from the payer and credit to the beneficiary on day three of the cycle - so using Faster Payments would make no difference to funds.