What it means
The bank assigned creditor identifier (BT-90) is the SEPA creditor identifier used to collect direct debits. In UBL it is a party identifier (cac:PartyIdentification/cbc:ID) with the scheme SEPA. The rule counts every such identifier anywhere in the file, whichever party it belongs to, ignores capitalisation in the scheme name, and fails when there are two or more.
Why it matters
The creditor identifier names who collects a direct debit.
How to fix it
Check the seller and payee identifiers in your invoicing software, and your direct debit settings. Keep only one occurrence of the SEPA creditor identifier in the whole file, for example if it was entered on both the seller and the payee. In the XML, look for cbc:ID elements inside cac:PartyIdentification whose schemeID is SEPA, ignoring capitalisation, and remove the extra ones.
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
Bank creditor reference shall occur maximum once 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-SR-29 still fails, and which other rules do.
Related rules
- UBL-SR-30 A discount can have only one reason text
- UBL-SR-31 A charge can have only one reason text
- UBL-SR-32 A VAT breakdown row can give only one VAT exemption reason
- UBL-SR-33 A supporting document can have only one description
- UBL-SR-34 Each invoice line can carry only one note
- UBL-SR-35 A line can refer to only one purchase order line