Skip to content
Change language: English

Warning

UBL-CR-403: The delivery party should not carry a bank account

In short

Warning: worth checking.

UBL-CR-403 means the UBL file gives a bank account for the delivery party (cac:FinancialAccount), which EN 16931 does not use there. Remove it and export again.

On this page

What it means

The check looks at the party the goods are delivered to (cac:Delivery/cac:DeliveryParty) and warns when it contains a cac:FinancialAccount, a bank account belonging to that party. Payment account details are separate, for example the account to pay into in the bank transfer details (BG-17).

Why it matters

EN 16931 does not use cac:FinancialAccount under the delivery party. This rule warns when that element is present, independently of the payment account details.

How to fix it

Delete cac:FinancialAccount from cac:Delivery/cac:DeliveryParty in your XML export. The account your customers pay into is separate and stays in your payment details. Export the corrected file and check it again.

Once the file is corrected, check it again for free: Validate an invoice against EN 16931

Or fix the invoice in a form and download the corrected file, for 1 credit: Fix a rejected e-invoice

The rule as published

A UBL invoice should not include the DeliveryParty FinancialAccount

Where this rule applies

Rule set Version
EN 16931 (UBL) 1.3.17
EN 16931 (UBL credit note) 1.3.17
XRechnung 3.0 (UBL) 3.0.2
XRechnung 3.0 (UBL credit note) 3.0.2
Peppol BIS Billing 3.0 (invoice) 2026.5
Peppol BIS Billing 3.0 (credit note) 2026.5
SI-UBL 2.0 / NLCIUS (invoice) 2.0.3.13
SI-UBL 2.0 / NLCIUS (credit note) 2.0.3.13
France CTC (UBL invoice) 1.4.0-04
France CTC (UBL credit note) 1.4.0-04
CIUS-RO UBL Invoice 1.0.9 1.0.9
CIUS-RO UBL Credit Note 1.0.9 1.0.9
Rule text from phive-rules 4.6.4.

Check your file

Drop your e-invoice to see whether UBL-CR-403 still fails, and which other rules do.

Updated 6 November 2026