# BT-90 Bank assigned creditor identifier

Creditor identifier used for direct debit collection.

## Quick answer

> **Delivery and payment**: Delivery dates, payment means, and the operational context around settlement.

- [Validate XML](/en/xrechnung-validator?source=resource&bt=BT-90)
- [Convert invoice](/en/pdf-to-xrechnung?source=resource&bt=BT-90)

## In plain language

This identifies the collecting creditor in SEPA direct debit flows.

## What you usually enter here

SEPA creditor identifier

Typical valid values include: DE98ZZZ09999999999

Required by BR-DE-30 when direct debit group BG-19 is present.

## Where the field sits

BT-90 belongs to the Payment part of the invoice. UBL 2.1 Syntax: Invoice › cac:AccountingSupplierParty › cac:Party › cac:PartyIdentification[cbc:ID/@schemeID="SEPA"] › cbc:ID. CII (UN/CEFACT) Syntax: rsm:CrossIndustryInvoice › rsm:SupplyChainTradeTransaction › ram:ApplicableHeaderTradeSettlement › ram:CreditorReferenceID.

## What goes wrong often

Relevant rule codes: BR-DE-30

## Valid Examples

- DE98ZZZ09999999999

## Related Fields

- [BT-89 Mandate reference identifier](/resources/xrechnung/bt-89-mandate-reference-identifier)
- [BT-91 Debited account identifier](/resources/xrechnung/bt-91-debited-account-identifier)

## XML mapping and field facts

Open the technical reference if you need XML paths, validator rule codes, legal wording, or schema-specific mapping details.

### Field ID:
BT-90

### Data Type:
identifier

### Cardinality:
0..1

### Requirement:
Optional

### Max Length:
35 characters

## XML Implementation

### UBL 2.1 Syntax
```
/Invoice/cac:AccountingSupplierParty/cac:Party/cac:PartyIdentification[cbc:ID/@schemeID="SEPA"]/cbc:ID
```

### CII (UN/CEFACT) Syntax
```
/rsm:CrossIndustryInvoice/rsm:SupplyChainTradeTransaction/ram:ApplicableHeaderTradeSettlement/ram:CreditorReferenceID
```

## Validation Rules

### BR-DE-30
Bank assigned creditor identifier (BT-90) is required when direct debit is used

## Check whether your XRechnung sets BT-90 correctly

Upload the XML file to the free validator. It applies the KoSIT rules for XRechnung 3.0 and names each finding with its rule ID, for this field for example BR-DE-30. Creating a new invoice instead? The converter checks the invoice against the same rules and shows the findings before download.

- [Validate XML](/en/xrechnung-validator)
- [Convert invoice](/en/pdf-to-xrechnung)

Free, no account needed. XML file up to 2 MB.

## Official sources and tools

- [KoSIT Validator](https://erechnungsvalidator.service-bw.de/)
- [XRechnung Standard](https://xeinkauf.de/xrechnung/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)