diff --git a/account_ebics/models/ebics_userid.py b/account_ebics/models/ebics_userid.py
index 6ae6a1f..441839a 100644
--- a/account_ebics/models/ebics_userid.py
+++ b/account_ebics/models/ebics_userid.py
@@ -210,7 +210,7 @@ class EbicsUserID(models.Model):
             raise UserError(
                 _("Set a passphrase."))
 
-        if not self.swift_3skey and not self.swift_3skey_certificate:
+        if self.swift_3skey and not self.swift_3skey_certificate:
             raise UserError(
                 _("3SKey certificate missing."))