# 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

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
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.

## 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/)
- [XRechnung Standard](https://xeinkauf.de/xrechnung/)
- [Test Suite](https://github.com/itplr-kosit/xrechnung-testsuite)