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Warning

UBL-CR-655: The bank identifier must have no scheme attribute

In short

Warning: worth checking.

UBL-CR-655 means the bank identifier (BT-86) has a schemeID attribute, which EN 16931 does not use. Remove the attribute and keep the identifier.

On this page

What it means

This rule checks cbc:ID inside cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch and flags any schemeID attribute. This is the bank identifier (BT-86), which may be a BIC. The rule checks only the attribute, not the identifier text.

Why it matters

EN 16931 requires this bank identifier to have no schemeID attribute. The warning does not assess the identifier value.

How to fix it

Remove schemeID from cbc:ID inside cac:PaymentMeans/cac:PayeeFinancialAccount/cac:FinancialInstitutionBranch. Keep the bank identifier unchanged, whether it is a BIC or another identifier. 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 shall not include the FinancialInstitutionBranch ID 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
Rule text from phive-rules 4.6.4.

Check your file

Drop your e-invoice to see whether UBL-CR-655 still fails, and which other rules do.

Updated 6 November 2026