BR-DE-23-a Credit transfer without IBAN

The invoice says “pay by credit transfer” (code 30 or 58) but gives no account. The “credit transfer” group with the IBAN is missing.

The message in the validation report

[BR-DE-23-a] Wenn BT-81 "Payment means type code" einen Schlüssel für Überweisungen enthält (30, 58), muss BG-17 "CREDIT TRANSFER" übermittelt werden.

Common causes

• Payment method is fixed to transfer in the software, but the bank account is empty.
• The IBAN had a typo and was dropped by the software.
• Several bank accounts set up, none marked as default.

How to fix it

1. Enter the IBAN in the company settings.
2. If the invoice is not paid by transfer, choose the right payment method (e.g. 59 for direct debit).
3. Create the invoice again.

What it should look like (XRechnung, CII syntax)

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
    <ram:AccountName>Muster Haustechnik GmbH</ram:AccountName>
  </ram:PayeePartyCreditorFinancialAccount>
</ram:SpecifiedTradeSettlementPaymentMeans>

Want to read or check an invoice you received? Open XRechnung · Check invoice

More error codes

• BR-DE-15Leitweg-ID / buyer reference missing
• BR-DE-1Payment instructions missing
• BR-DE-2Seller contact missing (also BR-DE-5, -6, -7)
• BR-DE-21Not an XRechnung (wrong specification identifier)
• BR-DE-18Skonto (cash discount) in the wrong format
• BR-CO-10Sum of line amounts does not match
• BR-CO-15Gross total is not net plus VAT
• BR-S-08VAT breakdown per rate does not match
• BR-CL-23Invalid unit code (e.g. “Stk”)

Guides to German e-invoicing

• Open an XRechnung and save it as PDF
• ZUGFeRD or XRechnung: which one do I need?
• E-invoices for small businesses under § 19 UStG
• Sending an XRechnung to a German authority

Rule text from the official KoSIT validation rules (XRechnung 3.0.2, EN 16931). General technical explanation, not tax or legal advice.