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Warning

UBL-CR-440: A name for the account to be debited is not used

In short

Warning: worth checking.

UBL-CR-440 means the account to be debited in your UBL invoice or credit note has a name (cbc:Name), which EN 16931 does not use. Remove the name from cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount, export again and recheck the file.

On this page

What it means

This rule checks for cbc:Name within cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount in a UBL invoice or credit note. EN 16931 carries the account identifier (BT-91), usually an IBAN, but not a name for that account.

Why it matters

EN 16931 does not use an account-name element for the account to be debited, so this element produces a warning.

How to fix it

Delete cbc:Name from cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount. Leave any account identifier (BT-91) in cbc:ID in the same block. If your invoicing software adds the name, adjust the XML export to omit this element rather than deleting the underlying account holder 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 PaymentMandate PayerFinancialAccount 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-440 still fails, and which other rules do.

Updated 6 November 2026