diff --git a/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/User.kt b/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/User.kt
index 634ba1f3..ade17e13 100644
--- a/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/User.kt
+++ b/BankingClientModel/src/commonMain/kotlin/net/codinux/banking/client/model/User.kt
@@ -16,7 +16,7 @@ open class User(
     var password: String?,
 
     val bankName: String,
-    val bic: String,
+    val bic: String?, // not all banks (in the world) have a BIC
 
     val customerName: String,
     /**