diff --git a/include/XMLDocument/invoiceubl21.class.php b/include/XMLDocument/invoiceubl21.class.php
index 8035d587a..ebd0e3e77 100644
--- a/include/XMLDocument/invoiceubl21.class.php
+++ b/include/XMLDocument/invoiceubl21.class.php
@@ -530,8 +530,11 @@ class InvoiceUBL21 extends XMLInvoice {
         $root->appendChild($this->build_supplier());
         // add the customer
         $root->appendChild($this->build_customer());
-        // add the payment 
-        $root->appendChild($this->build_paymentInfo());
+        
+        // add the payment  if there is a bank account
+        if ( $company['COMPANY_BANK_IBAN'] != "")
+            $root->appendChild($this->build_paymentInfo());
+        
         // Add cac:TaxTotal
         $root->appendChild($this->build_taxTotal());