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Warning

UBL-CR-428: A note on the payee bank account is not used

In short

Warning: worth checking.

UBL-CR-428 means the payee bank account in your UBL invoice or credit note carries a payment note (cbc:PaymentNote), which EN 16931 does not use. Remove this element and, if you need the text, put it in the payment terms or invoice note. Export again and recheck the file.

On this page

What it means

This rule checks for cbc:PaymentNote within cac:PaymentMeans/cac:PayeeFinancialAccount in a UBL invoice or credit note. A payment note there is free text attached to the account. EN 16931 has no business term for this account-level note.

Why it matters

EN 16931 does not use a payment note inside the payee bank account. Payment terms (BT-20) and invoice notes (BT-22) are separate fields.

How to fix it

Delete cbc:PaymentNote from cac:PaymentMeans/cac:PayeeFinancialAccount. If the text matters, put it in the payment terms (BT-20), which is cac:PaymentTerms/cbc:Note, or in the invoice note (BT-22). 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 PaymentNote

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-428 still fails, and which other rules do.

Updated 6 November 2026