What it means
This rule checks the bank account identifier (BT-84), the cbc:ID inside cac:PaymentMeans/cac:PayeeFinancialAccount, and flags any schemeID attribute. The identifier is the bank account to pay into, usually an IBAN. EN 16931 treats it as plain text with no scheme.
Why it matters
EN 16931 uses the bank account identifier without a schemeID attribute. This warning does not check the account number or IBAN itself.
How to fix it
Remove schemeID from cbc:ID inside cac:PaymentMeans/cac:PayeeFinancialAccount and keep the account number or IBAN unchanged. If your software adds the attribute, ask its supplier to correct the export, then check the new file again.
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 PayeeFinancialAccount scheme identifier 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-654 still fails, and which other rules do.
Related rules
- UBL-CR-655 The bank identifier must have no scheme attribute
- UBL-CR-656 The invoice type code should have no listID attribute
- UBL-CR-657 The invoice currency code should have no listID attribute
- UBL-CR-658 The VAT currency code should have no listID attribute
- UBL-CR-659 Additional document type codes must have no listID attribute
- UBL-CR-660 Country codes should have no listID attribute