Question: is a bank holiday considered a working day

Answer: No, Public holidays in the United Kingdom are days on which most businesses and non-essential services are closed, although an increasing number of retail businesses (especially the larger ones) do open on some of the public holidays. There are restrictions on trading on Sundays and Christmas Day in England and Wales and on New Year's Day and Christmas Day in Scotland. Legally defined holidays, analogous to ``public holidays'' in many other countries, are usually called bank holidays in the United Kingdom, but can also be referred to as ``public holidays''; strictly, however, ``public holidays'' refer to ``common law holidays'', the observance of which derive from custom and practice (see ``Terminology'' below).