XRechnung BR-DE-20: debited IBAN for SEPA direct debit
BR-DE-20 is a warning: when the payment means type code (BT-81) is 59 (SEPA direct debit), the debited account identifier (BT-91) should contain a correct IBAN.
Last updated: 2026-06-01
Affected field
cac:PaymentMeans[cbc:PaymentMeansCode='59']/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID (BT-91, UBL) / ram:PayerPartySpecifiedDebtorFinancialAccount/ram:IBANID (CII)
Cause
The payment declares code 59 (SEPA direct debit) but the debited account IBAN (BT-91) is missing or invalid.
Fix
Provide the debited account IBAN under the payment mandate (PayerFinancialAccount/ID). Direct debit also requires the mandate reference (BT-89) and creditor identifier (BT-90), see BR-DE-29/30.
Check your invoice for this and other errors.
Validate your invoice →Mandate context
Frequently asked questions
Is BR-DE-20 a hard error?▼
No. It is a 'should' rule (warning). For direct debit, a valid payer IBAN should still always be supplied.