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E-invoice error explained

BR-DE-23: Credit transfer without bank account

Codes 30 (credit transfer) and 58 (SEPA credit transfer) mean that the buyer transfers the money to you.

What the rule checks

Codes 30 (credit transfer) and 58 (SEPA credit transfer) mean that the buyer transfers the money to you. Your bank account must then be in group BG-17 (BR-DE-23-a). Card data (BG-18) and direct debit data (BG-19) must not be present at the same time (BR-DE-23-b).

Official rule text

BR-DE-23-a: If BT-81 "Payment means type code" contains a code for credit transfer (30, 58), BG-17 "CREDIT TRANSFER" must be transmitted.
BR-DE-23-b: If BT-81 "Payment means type code" contains a code for credit transfer (30, 58), BG-18 and BG-19 must not be transmitted.

Source: KoSIT configuration XRechnung 3.0.2 (31 Jan 2026).

Typical causes

  • Code 58 is the default, but the IBAN is missing in the company data.
  • Besides the transfer, the export also writes a mandate reference, a creditor ID or the buyer's IBAN.
  • The customer pays by direct debit, but the document still carries code 58.

How to fix it

Add ram:PayeePartyCreditorFinancialAccount with ram:IBANID (optionally ram:AccountName) to ram:SpecifiedTradeSettlementPaymentMeans, and ram:PayeeSpecifiedCreditorFinancialInstitution/ram:BICID if needed. Remove ram:DirectDebitMandateID, ram:CreditorReferenceID, ram:PayerPartyDebtorFinancialAccount and ram:ApplicableTradeSettlementFinancialCard. If the customer pays by direct debit, use code 59.

Example

Wrong (CII)

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
</ram:SpecifiedTradeSettlementPaymentMeans>

Right (CII)

<ram:SpecifiedTradeSettlementPaymentMeans>
  <ram:TypeCode>58</ram:TypeCode>
  <ram:PayeePartyCreditorFinancialAccount>
    <ram:IBANID>DE02120300000000202051</ram:IBANID>
    <ram:AccountName>Muster GmbH</ram:AccountName>
  </ram:PayeePartyCreditorFinancialAccount>
  <ram:PayeeSpecifiedCreditorFinancialInstitution>
    <ram:BICID>BYLADEM1001</ram:BICID>
  </ram:PayeeSpecifiedCreditorFinancialInstitution>
</ram:SpecifiedTradeSettlementPaymentMeans>

In Dynamics 365, Business Central and Finance

Sales / Project Operations: Sales and Project Operations have no e-invoice output out of the box. In the WBS Invoice Accelerator for Dynamics 365 the Accelerator writes code 58 only when the brand profile has an IBAN, and then always with the IBAN and BIC. It writes no direct debit or card data.

Business Central: Fill IBAN and SWIFT Code on the Company Information page.

Finance: The bank account in the legal entity's Bank account field (Bank account information FastTab) needs a valid IBAN.

Related error codes

All error codes

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