What it means
This rule checks that cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount contains no cbc:AccountTypeCode element. An empty element also triggers the warning.
Why it matters
EN 16931 does not use an account type code at this location in the UBL payment details.
How to fix it
Remove cbc:AccountTypeCode from cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount. Keep the account identifier (BT-91) in cbc:ID; this rule does not require you to replace it with an IBAN. Save or re-export the XML and recheck it in Klarbon.
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 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 |
Check your file
Drop your e-invoice to see whether UBL-CR-442 still fails, and which other rules do.
Related rules
- UBL-CR-443 The debited bank account must not have a format code
- UBL-CR-444 Currency code on the debited account
- UBL-CR-445 The debited bank account must not have a payment note
- UBL-CR-446 Bank branch details on the debited account
- UBL-CR-447 Country element on the debited account
- UBL-CR-448 Mandate validity period in the XML