diff --git a/History.md b/History.md
index 07355b36..943f8c01 100644
--- a/History.md
+++ b/History.md
@@ -1,3 +1,6 @@
+- allow Bank credentials without BIC
+- allow minimum profile without delivery date
+
 2.6.0 "Joyeux Noël"
 =======
 2022-12-23
diff --git a/library/src/main/java/org/mustangproject/BankDetails.java b/library/src/main/java/org/mustangproject/BankDetails.java
index db7b3ce0..b72817ca 100644
--- a/library/src/main/java/org/mustangproject/BankDetails.java
+++ b/library/src/main/java/org/mustangproject/BankDetails.java
@@ -13,12 +13,19 @@ public class BankDetails implements IZUGFeRDTradeSettlementPayment {
 	/**
 	 * BIC, I believe it's optional
 	 */
-	protected String BIC;
+	protected String BIC=null;
 	/**
 	 * the "name" of the bank account (holder)
 	 */
 	protected String accountName=null;
 
+	/***
+	 * constructor for IBAN only :-)
+	 * @param IBAN the IBAN as string
+	 */
+	public BankDetails(String IBAN) {
+		this.IBAN = IBAN;
+	}
 	/***
 	 * constructor for normal use :-)
 	 * @param IBAN the IBAN as string
diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementPayment.java b/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementPayment.java
index 47de83cf..d7c2a498 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementPayment.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/IZUGFeRDTradeSettlementPayment.java
@@ -72,13 +72,16 @@ public interface IZUGFeRDTradeSettlementPayment extends IZUGFeRDTradeSettlement
 				+ "<ram:PayeePartyCreditorFinancialAccount>"
 				+ "<ram:IBANID>" + XMLTools.encodeXML(getOwnIBAN()) + "</ram:IBANID>";
 		xml+= accountNameStr;
-		xml+= "</ram:PayeePartyCreditorFinancialAccount>"
-				+ "<ram:PayeeSpecifiedCreditorFinancialInstitution>"
-				+ "<ram:BICID>" + XMLTools.encodeXML(getOwnBIC()) + "</ram:BICID>"
-				// + " <ram:Name>"+trans.getOwnBankName()+"</ram:Name>"
-				//
-				+ "</ram:PayeeSpecifiedCreditorFinancialInstitution>"
-				+ "</ram:SpecifiedTradeSettlementPaymentMeans>";
+		xml+= "</ram:PayeePartyCreditorFinancialAccount>";
+		if (getOwnBIC()!=null) {
+			xml+= "<ram:PayeeSpecifiedCreditorFinancialInstitution>"
+					+ "<ram:BICID>" + XMLTools.encodeXML(getOwnBIC()) + "</ram:BICID>"
+					// + " <ram:Name>"+trans.getOwnBankName()+"</ram:Name>"
+					//
+					+ "</ram:PayeeSpecifiedCreditorFinancialInstitution>"
+					+ "</ram:SpecifiedTradeSettlementPaymentMeans>";
+
+		}
 		return xml;
 	}
 	
diff --git a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRD2PullProvider.java b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRD2PullProvider.java
index f79ba6d4..53ce58db 100644
--- a/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRD2PullProvider.java
+++ b/library/src/main/java/org/mustangproject/ZUGFeRD/ZUGFeRD2PullProvider.java
@@ -563,7 +563,7 @@ public class ZUGFeRD2PullProvider implements IXMLProvider {
 			xml += "            </ram:ActualDeliverySupplyChainEvent>";
 
 		} else {
-			if (trans.getDocumentCode() != DocumentCodeTypeConstants.CREDITNOTE) {
+			if ((trans.getDocumentCode() != DocumentCodeTypeConstants.CREDITNOTE)&&(getProfile() != Profiles.getByName("Minimum"))) {
 				throw new IllegalStateException("No delivery date provided");
 			}
 		}