The creditor account IBAN (CdtrAcct/Id/IBAN) is mandatory. Non-IBAN accounts (Othr) are not supported by this validator.
Why pain.001 files fail rule PAIN00109-MVP-004 (ERROR) and how to fix it: The creditor account IBAN (CdtrAcct/Id/IBAN) is mandatory. Non-IBAN accounts (Othr) are not supported by this validator.
What this rule checks
The creditor account IBAN (CdtrAcct/Id/IBAN) is mandatory. Non-IBAN accounts (Othr) are not supported by this validator.
Affected element: CdtTrfTxInf/CdtrAcct/Iban.
Applies to pain.001.001.09. Severity: ERROR.
Why your file is rejected
Banks validate this rule server-side after the XSD schema check. When it fails, the whole file is typically rejected — even if every other transaction is correct — so a single violation blocks the entire batch.
How to fix it
Review CdtTrfTxInf/CdtrAcct/Iban against the rule constraint and correct the value where it is violated.
Verify before you send
Upload your pain.001 file to the validator below to confirm this rule — and every other business rule and XSD constraint — passes before your bank sees it.