BR-61

Where the payment means code means a credit transfer — SEPA, local or non-SEPA international — the payee account identifier (BT-84) must be provided.

Severity: Error
Applies to: CII, UBL
Rule set: v2026-01-31

Official rule text

If the Payment means type code (BT-81) means SEPA credit transfer, Local credit transfer or Non-SEPA international credit transfer, the Payment account identifier (BT-84) shall be present.

Why does BR-61 happen?

Closely related to BR-50 but triggered differently: BR-50 applies once credit transfer data is present, BR-61 applies through the code. Setting the code to 58 and omitting the account group altogether therefore reports only this rule in UBL — in CII the two compile to one check and report together.

How do you fix BR-61?

Write the IBAN into cac:PaymentMeans/cac:PayeeFinancialAccount/cbc:ID in UBL, ram:PayeePartyCreditorFinancialAccount/ram:IBANID in CII — or set the code to the payment means actually intended.

In the XML

A UBL fragment. The CII path is named above — same change, different element names.

Fails

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cbc:PaymentID>RE-2026-0042</cbc:PaymentID>
</cac:PaymentMeans>

Fixed

<cac:PaymentMeans>
  <cbc:PaymentMeansCode>58</cbc:PaymentMeansCode>
  <cbc:PaymentID>RE-2026-0042</cbc:PaymentID>
  <cac:PayeeFinancialAccount>
    <cbc:ID>DE02120300000000202051</cbc:ID>
  </cac:PayeeFinancialAccount>
</cac:PaymentMeans>

NormAPI provides technical validation, not tax or legal advice.