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Warning

UBL-CR-430: A bank name is not used in EN 16931 payment details

In short

Warning: worth checking.

UBL-CR-430 means the financial institution in the payee account details of your UBL invoice or credit note has a name (cbc:Name), which EN 16931 does not use. Remove the name from cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cac:FinancialInstitution, export again and recheck the file.

On this page

What it means

This rule checks the financial institution (cac:FinancialInstitution) inside the bank branch of the payee bank account details in a UBL invoice or credit note. It warns if that financial institution contains cbc:Name. EN 16931 carries the bank identifier (BT-86), usually a BIC, rather than this bank name. A separate rule, UBL-CR-429, covers the name of the branch.

Why it matters

EN 16931 does not use the bank-name element within cac:FinancialInstitution in the payment account details.

How to fix it

Delete cbc:Name from cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch/cac:FinancialInstitution. If the BIC is in this file, it belongs in cbc:ID of the cac:FinancialInstitutionBranch above it. If your invoicing software adds the bank name, adjust the XML export to omit this element. 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 FinancialInstitutionBranch FinancialInstitution Name

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-430 still fails, and which other rules do.

Updated 6 November 2026