# 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

- 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

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

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

## Before you retry

- 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.