errorDExrechnung

BR-DE-31:SEPA debtor account required

SEPA direct debit requires debtor IBAN.

Fix this in your source system

MANUAL

SEPA debtor account must be provided by the buyer. This information cannot be automatically determined.

See the step-by-step instructions below to fix this error manually.

Why This Error Matters

Invoice will be rejected by XRechnung validation. Without the debited account IBAN, SEPA direct debit cannot be executed - banks need to know which account to collect from.

How to Fix It

1

Add debtor account

PayerFinancialAccount/ID

2

Use IBAN

Valid IBAN of the debtor

Technical Details

XPath: /Invoice/cac:PaymentMeans/cac:PaymentMandate/cac:PayerFinancialAccount/cbc:ID

Common Causes

  • Direct debit selected but buyer IBAN not provided
  • IBAN stored in customer master data not linked to invoice
  • Buyer has not provided their bank details for direct debit
  • ERP system does not populate IBAN on invoice automatically
  • Privacy settings prevent IBAN from being included

Frequently Asked Questions

SEPA direct debit requires debtor IBAN.
Add debtor IBAN to PaymentMandate. You can also use Invoice Navigator's automatic Fixer tool to correct this instantly.
Yes, BR-DE-31 is a critical error that will cause invoice rejection. It must be fixed before submission to ensure your invoice is accepted by the recipient's system.
Many instances of BR-DE-31 can be automatically corrected using Invoice Navigator's Fixer tool. Upload your invoice and the tool will identify and fix common issues, including sepa debtor account required.

See Also

🇩🇪

E-Invoicing in Germany

Requirements & common errors

XRechnung Validator

Check your invoice now

Related Errors

BR-DE-29

SEPA direct debit mandate required

BR-DE-30

SEPA creditor identifier required

Last updated: 18 January 2026

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