BR-DE-19

If SEPA credit transfer is declared as the payment means (BT-81 with code 58), the payment account identifier (BT-84) should be a correct IBAN.

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

Official rule text

"Payment account identifier" (BT-84) soll eine korrekte IBAN enthalten, wenn in "Payment means type code" (BT-81) mit dem Code 58 SEPA als Zahlungsmittel gefordert wird.

Why it happens

Usually an IBAN with a typo or with spaces carried over from print formatting — or code 58 although the payment is not actually a SEPA transfer.

How to fix it

Send the IBAN without spaces and with a valid check digit in BT-84 (cac:PayeeFinancialAccount/cbc:ID in UBL, ram:PayeePartyCreditorFinancialAccount/ram:IBANID in CII) — or pick the correct payment means code if it is not a SEPA transfer.

NormAPI provides technical validation, not tax or legal advice.