# BR-61 Credit transfer account identifier is required

When payment means indicates credit transfer, the payee account identifier (BT-84) must be present.

## Problem Description

When payment means indicates credit transfer, the payee account identifier (BT-84) must be present.

> **ERROR**: XRechnung 3.0

## Context and Significance

Validators cannot route a credit-transfer payment instruction when the account is missing, even if payment terms are otherwise complete.

## Solution

Add cac:PayeeFinancialAccount/cbc:ID for UBL or the equivalent CII payee account field, usually an IBAN for SEPA transfer.

- validate
- convert

## Valid Examples

- PaymentMeansCode 58 with PayeeFinancialAccount ID DE89370400440532013000

## Invalid Examples

- PaymentMeansCode 58 without any payee financial account

## Code Examples

### Valid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE89370400440532013000</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>
```

### Invalid XML
```
<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
</cac:PaymentMeans>
```

## Technical Details

### Affected Fields
BT-81 Payment means type code, BT-84 Payment account identifier

## Related Rules

- [BR-DE-19](/resources/kosit-validator-errors/br-de-19-sepa-payment-account-must-be-valid-iban)
- [BR-CO-25](/resources/kosit-validator-errors/br-co-25-positive-amount-due-needs-payment-due-date-or-terms)

## Validation Tools

- [Official KoSIT Validator](https://erechnungsvalidator.service-bw.de/): Validate your XRechnung files against all BR-DE rules.
- [Convert PDF to XRechnung](/pdf-to-xrechnung): Automatic validation error fixes when converting.

## Related Resources

- [Official Specification](https://xeinkauf.de/xrechnung/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)
- [Complete Error List](/resources/kosit-validator-errors): Overview of all German XRechnung validation rules.