diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDImporter.java b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDImporter.java
index a5d16dae..91f86690 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDImporter.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRDImporter.java
@@ -343,6 +343,9 @@ public class ZUGFeRDImporter extends ZUGFeRDInvoiceImporter {
 	 * @return the sender's account IBAN code
 	 */
 	public String getIBAN() {
+		if ((importedInvoice==null)||(importedInvoice.getTradeSettlement()==null)) {
+			return null;
+		}
 		for (IZUGFeRDTradeSettlement settlement : importedInvoice.getTradeSettlement()) {
 			if (settlement instanceof IZUGFeRDTradeSettlementDebit) {
 				return ((IZUGFeRDTradeSettlementDebit) settlement).getIBAN();
@@ -356,8 +359,6 @@ public class ZUGFeRDImporter extends ZUGFeRDInvoiceImporter {
 
 
 	public String getHolder() {
-
-
 		return extractString("//*[local-name() = 'SellerTradeParty']/*[local-name() = 'Name']");
 	}
 
@@ -366,7 +367,6 @@ public class ZUGFeRDImporter extends ZUGFeRDInvoiceImporter {
 	 * @return the total payable amount
 	 */
 	public String getAmount() {
-
 		return importedInvoice.getGrandTotal().toPlainString();
 	}