# BT-90 Bank assigned creditor identifier

Creditor identifier used for direct debit collection.

## Quick answer

Creditor identifier used for direct debit collection.

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

## In plain language

Creditor identifier used for direct debit collection.

Creditor identifier used for direct debit collection.

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.

## What goes wrong often

Avoid values like:

Relevant rule codes: BR-DE-30

## Examples in context

This identifies the collecting creditor in SEPA direct debit flows.

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

## Valid Examples

- DE98ZZZ09999999999

## Related Fields

This identifies the collecting creditor in SEPA direct debit flows.

- [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

### Since Version:
Conditional

## XML Implementation

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

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

## Validation Rules

### BR-DE-30
Business Process Type Identifier (BT-23) must be provided

## Why the standard cares about this field

### Business Context
This identifies the collecting creditor in SEPA direct debit flows.

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

## Official sources and tools

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