# F-LIB295

Source: https://xmlvalid.com/rules/F-LIB295

> PaymentMeansCode = 49, For IBAN, ID element is mandatory

- Level: error
- Rule sets: OIOUBL 2.1 Invoice rules (Denmark) 1.17.2, OIOUBL 2.1 Credit Note rules (Denmark) 1.17.2, OIOUBL 2.1 Reminder rules (Denmark) 1.17.2
- Test: `(cbc:PaymentMeansCode = '49' and cbc:PaymentChannelCode = 'IBAN') and not(cac:PayerFinancialAccount/cac:FinancialInstitutionBranch/cac:FinancialInstitution/cbc:ID)`

Validate a document against these rules: https://xmlvalid.com/validate