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Warning

UBL-CR-425: The type of the payee bank account is not used

In short

Warning: worth checking.

UBL-CR-425 means the payee bank account in your UBL invoice or credit note has an account type code (cbc:AccountTypeCode), which EN 16931 does not use. Remove the code from cac:PaymentMeans/cac:PayeeFinancialAccount, export again and recheck the file.

On this page

What it means

This rule checks for cbc:AccountTypeCode within cac:PaymentMeans/cac:PayeeFinancialAccount in a UBL invoice or credit note. An account type code says what kind of account it is, such as a current or savings account. EN 16931 has no business term for it. The payment account details carry the account number or IBAN (BT-84), the account name (BT-85) and the identifier of the bank (BT-86).

Why it matters

EN 16931 does not use an account type code in the payee bank account details, so this element produces a warning.

How to fix it

Remove cbc:AccountTypeCode from cac:PaymentMeans/cac:PayeeFinancialAccount. If your invoicing software adds it, adjust the XML export to omit the element rather than changing the underlying bank account details. Export again and recheck the file.

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 PaymentMeans PayeeFinancialAccount AccountTypeCode

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-425 still fails, and which other rules do.

Updated 6 November 2026