Error Guide

🇩🇪 BR-DE-20: The Debited Account (BT-91) should contain a valid IBAN for SEPA direct... in Germany

ErrorMandatoryManual Fix

The Debited Account (BT-91) should contain a valid IBAN for SEPA direct debit. The current value doesn't match IBAN format.

Quick Facts

Severity

Error (rejection)

Ruleset

XRechnung (Germany)

Mandate

B2B Mandatory

Fix Type

Manual

Why This Matters in Germany

Germany requires e-invoicing using XRechnung (UBL), XRechnung (CII), ZUGFeRD 2.x. Invoices with this error will be rejected. They cannot be processed for Germany compliance.

Invoice Navigator covers 147 XRechnung 3.0.2 rules for Germany. Auto-remediates 89% of top rejection errors.

How to Fix BR-DE-20

Review your Invoice XML structure and correct the issue described by this rule. Check relevant cbc: and cac: elements per XRechnung (Germany) (BR-DE-20).

Example: Before & After

Before (invalid)

<Invoice>
  <!-- Issue: German SEPA direct debit requires valid IBAN for debited acc -->
</Invoice>

After (fixed)

<Invoice>
  <!-- Issue resolved per XRechnung (Germany) -->
</Invoice>

Germany E-Invoicing Requirements

Phase

Status

Scope

B2G

Live (Nov 2020)

All federal suppliers

B2B receiving

Live (Jan 2025)

All German businesses

B2B sending

Jan 2027

>€800K annual revenue

B2B sending

Jan 2028

All businesses

Common Causes

•Debited account is not valid IBAN for SEPA
•BT-91 contains invalid IBAN for direct debit
•German direct debit requires valid debtor IBAN
•PaymentMandate account not valid IBAN format
•FinancialAccount/ID fails IBAN validation

Fix BR-DE-20 automatically

Upload your invoice and let Invoice Navigator auto-remediate this error.

Try the Validator Germany Guide →