add_action( 'woocommerce_email_before_order_table', function(){
if ( ! class_exists( 'WC_Payment_Gateways' ) ) return;
$gateways = WC_Payment_Gateways::instance(); // gateway instance
$available_gateways = $gateways->get_available_payment_gateways();
if ( isset( $available_gateways['bacs'] ) )
remove_action( 'woocommerce_email_before_order_table', array( $available_gateways['bacs'], 'email_instructions' ), 10, 3 );
}, 1 );