diff --git a/lib/kontoapi-rails/orm/active_record_extension.rb b/lib/kontoapi-rails/orm/active_record_extension.rb
index 82b9454..c53cd53 100644
--- a/lib/kontoapi-rails/orm/active_record_extension.rb
+++ b/lib/kontoapi-rails/orm/active_record_extension.rb
@@ -27,7 +27,7 @@ def autocomplete_bank_name(options={})
         define_method :autocomplete_bank_name do
           current_value = send(:"#{options[:bank_name_field]}")
           blz           = send(:"#{options[:bank_code_field]}")
-          blz_changed   = send(:"#{options[:bank_code_field]}_changed?")
+          blz_changed   = (respond_to?(:"#{options[:bank_code_field]}_changed?") && send(:"#{options[:bank_code_field]}_changed?")) || (respond_to?(:"encrypted_#{options[:bank_code_field]}_changed?") && send(:"encrypted_#{options[:bank_code_field]}_changed?"))
           begin
             self.send(:"#{options[:bank_name_field]}=", KontoAPI::bank_name(blz)) if (options[:always_overwrite] || current_value.blank?) && blz_changed
             return true
@@ -50,7 +50,8 @@ def validates_iban(field, options={})
         options.reverse_merge!( :allow_nil => true, :on_timeout => :ignore )
         define_method :iban_validation do
           value = send(field)
-          return true unless send(:"#{field}_changed?")
+          return true if respond_to?(:"#{field}_changed?") && !send(:"#{field}_changed?")
+          return true if respond_to?(:"encrypted_#{field}_changed?") && !send(:"encrypted_#{field}_changed?")
           return true if options[:allow_nil] && value.nil?
           begin
             errors.add(field, :invalid) unless KontoAPI::valid?( :iban => value )
@@ -71,7 +72,8 @@ def validates_bic(field, options={})
         options.reverse_merge!( :allow_nil => true, :on_timeout => :ignore )
         define_method :bic_validation do
           value = send(field)
-          return true unless send(:"#{field}_changed?")
+          return true if respond_to?(:"#{field}_changed?") && !send(:"#{field}_changed?")
+          return true if respond_to?(:"encrypted_#{field}_changed?") && !send(:"encrypted_#{field}_changed?")
           return true if options[:allow_nil] && value.nil?
           begin
             errors.add(field, :invalid) unless KontoAPI::valid?( :bic => send(field) )
diff --git a/lib/kontoapi-rails/validators/bank_account_validator.rb b/lib/kontoapi-rails/validators/bank_account_validator.rb
index 0b7ee06..1a36b6e 100644
--- a/lib/kontoapi-rails/validators/bank_account_validator.rb
+++ b/lib/kontoapi-rails/validators/bank_account_validator.rb
@@ -6,7 +6,9 @@ class BankAccountValidator < ActiveModel::Validator
     def validate(record)
       account_number  = record.send(:"#{options[:account_number_field]}")
       bank_code       = record.send(:"#{options[:bank_code_field]}")
-      return true unless record.send(:"#{options[:account_number_field]}_changed?") || record.send(:"#{options[:bank_code_field]}_changed?")
+      account_number_changed = record.send( change_method(record, options[:account_number_field]) )
+      bank_code_changed      = record.send( change_method(record, options[:bank_code_field]) )
+      return true unless account_number_changed || bank_code_changed
       return true if options[:allow_nil] && (account_number.nil? || bank_code.nil?)
       record.errors.add(:"#{options[:account_number_field]}", :invalid) unless KontoAPI::valid?( :ktn => account_number, :blz => bank_code )
     rescue Timeout::Error => ex
@@ -20,5 +22,11 @@ def validate(record)
       end
     end
 
+    def change_method(record, field)
+      ["#{field}_changed?", "encrypted_#{field}_changed?"].each do |m|
+        return m.to_sym if record.respond_to?( m.to_sym )
+      end
+    end
+
   end
 end
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