BR-DE – XRechnung

BR-DE-19: IBAN (BT-84) invalid for a SEPA credit transfer

WarningXRechnung business rule (KoSIT)

The rule's own wording

[BR-DE-19] "Payment account identifier" (BT-84) soll eine korrekte IBAN enthalten, wenn in "Payment means type code" (BT-81) mit dem Code 58 SEPA als Zahlungsmittel gefordert wird.

Source: KoSIT XRechnung, version 3.0.2 (Schematron 2.6.0)

The fix in the XML

Check the IBAN against your bank statement and enter it without spaces: in UBL cbc:ID under cac:PaymentMeans/cac:PayeeFinancialAccount, in CII ram:IBANID in the PayeePartyCreditorFinancialAccount. The IBAN must start with the country code and have the right length.

Before – invalid

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02 1203 0000 0000 2020 15</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

After – corrected

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

Meaning of the rule

Your invoice names a SEPA credit transfer (code 58) as the means of payment and gives an account whose IBAN is wrong. The validation service recalculates the check digits of the IBAN; transposed digits, a missing character or a space in the wrong place trigger this rule. For the recipient this is more than a blemish: their software could prepare a payment to a wrong account or hold the invoice.

What usually goes wrong

The IBAN was entered with transposed digits or a missing character.
The IBAN contains spaces or dots that the software did not remove.
An account number and bank code were entered instead of an IBAN.

Questions and answers

Why is the IBAN checked only for code 58 and not for 30?

Code 30 is a general credit transfer where foreign accounts without an IBAN are possible; code 58 means SEPA, and SEPA presupposes an IBAN.

Will an invoice with a wrong IBAN get paid?

Hardly. No recipient transfers money to an IBAN that fails the check-digit test; the payment stays on hold until a corrected invoice or a confirmed account arrives.

EN 16931 fields

BT-84
BT-81
BG-17

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The rule in detail

UBL · Context (XPath): /ubl:Invoice/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('30','58')] | /cn:CreditNote/cac:PaymentMeans[normalize-space(cbc:PaymentMeansCode) = ('30','58')]
UBL · Schematron test: not(normalize-space(cbc:PaymentMeansCode) = '58') or xr:checkIBAN(string(cac:PayeeFinancialAccount/cbc:ID))
CII · Context (XPath): /rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:SpecifiedTradeSettlementPaymentMeans[normalize-space(ram:TypeCode) = ('30','58')]
CII · Schematron test: not(normalize-space(ram:TypeCode) = '58') or xr:checkIBAN(string(ram:PayeePartyCreditorFinancialAccount/ram:IBANID))

Explanation written on 14 September 2026

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