What it means
When the payment means include a bank account (cac:PayeeFinancialAccount), it must contain exactly one cbc:ID, the payment account identifier (BT-84). That is the IBAN, or the local account number outside SEPA. An account with no identifier or with two fails. An invoice with no bank account at all is not affected by this rule.
Why it matters
The account identifier is what tells the buyer where to send the money. An account without it, or with two, cannot be paid reliably, so the invoice is rejected.
How to fix it
In your invoicing software, check the bank details and enter the IBAN once. Remove any second account number from the same bank account entry. If you offer two bank accounts, put each one in its own cac:PaymentMeans. If you build the XML yourself, keep exactly one cbc:ID in each cac:PayeeFinancialAccount.
The rule as published
A Financial Institution Branch shall contain exactly one Payment account identifier (BT-84). Business terms: BT-84
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 |
| 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-59 still fails, and which other rules do.
Related rules
- BR-50 A credit transfer needs an account number
- BR-61 Payment by transfer needs an account number
- BR-DE-19 A SEPA credit transfer needs a valid IBAN
- CII-SR-470 A bank transfer needs an IBAN or account number
- DE-R-019 A SEPA bank transfer should name a valid IBAN
- IS-R-006 Payment code 9 for Icelandic sellers needs a 12-digit account