BR-DE-20

For SEPA direct debit (BT-81 with code 59), the debited account identifier (BT-91) should be a correct IBAN.

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

Official rule text

"Debited account identifier" (BT-91) soll eine korrekte IBAN enthalten, wenn in "Payment means type code" (BT-81) mit dem Code 59 SEPA als Zahlungsmittel gefordert wird.

Why it happens

Usually a customer IBAN with a typo or with spaces carried over from display formatting — the same causes as BR-DE-19, just on the buyer side.

How to fix it

Send the debited account's IBAN without spaces and with a valid check digit in BT-91 (cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID in UBL, ram:PayerPartyDebtorFinancialAccount/ram:IBANID in CII).

NormAPI provides technical validation, not tax or legal advice.