Guide · 2026-05-16

Bank transfer: add IBAN, not direct debit fields

For payment means code 30, the seller IBAN is the required settlement account. Direct debit mandate fields belong to direct debit, not bank transfer.

What you may see

Use these points as the practical checks for this section.

The review page shows “IBAN (BT-84) is required when payment means is bank transfer”.
Direct debit fields such as Mandate reference (BT-89), Creditor ID (BT-90), or debtor IBAN (BT-91) appear even though the invoice should be paid by bank transfer.
The PDF contains bank details, but the reviewed structured field is empty.

EN 16931 treats payment type and account data as linked fields. A bank transfer needs the seller account. A direct debit needs mandate and creditor data. Mixing those modes creates false required-field errors.

How to fix it

Follow this sequence as the practical checklist for this section.

Select “30 - Bank transfer” only when the buyer should transfer money manually.
Enter the seller account as IBAN (BT-84). Add BIC only when your recipient or payment rail needs it.
Use mandate reference, creditor ID, and debtor IBAN only when the invoice really uses direct debit.

Before you retry

Use these points as the practical checks for this section.

Confirm the selected payment method matches the source invoice.
If the PDF does not show an IBAN, ask the seller for the settlement account instead of inventing one.
Run validation again after changing payment method or account fields.

Common question

Are BT-89, BT-90, and BT-91 required for XRechnung?

Only for direct debit cases. They are not required for ordinary bank-transfer invoices.

Guide · 2026-05-16

Markdown export

Bank transfer: add IBAN, not direct debit fields

For payment means code 30, the seller IBAN is the required settlement account. Direct debit mandate fields belong to direct debit, not bank transfer.

What you may see

Use these points as the practical checks for this section.

The review page shows “IBAN (BT-84) is required when payment means is bank transfer”.
Direct debit fields such as Mandate reference (BT-89), Creditor ID (BT-90), or debtor IBAN (BT-91) appear even though the invoice should be paid by bank transfer.
The PDF contains bank details, but the reviewed structured field is empty.

Why this blocks export

How to fix it

Follow this sequence as the practical checklist for this section.

Select “30 - Bank transfer” only when the buyer should transfer money manually.
Enter the seller account as IBAN (BT-84). Add BIC only when your recipient or payment rail needs it.
Use mandate reference, creditor ID, and debtor IBAN only when the invoice really uses direct debit.

Before you retry

Use these points as the practical checks for this section.

Confirm the selected payment method matches the source invoice.
If the PDF does not show an IBAN, ask the seller for the settlement account instead of inventing one.
Run validation again after changing payment method or account fields.

Common question

Are BT-89, BT-90, and BT-91 required for XRechnung?

Only for direct debit cases. They are not required for ordinary bank-transfer invoices.