What is the EPC QR code standard?

The EPC QR code standard (EPC069-12) defined by the European Payments Council encodes SEPA Credit Transfer details in a QR code. It is supported by banking apps in Germany, Austria, Belgium, the Netherlands, and other SEPA countries.

Can I use IBAN QR codes for non-SEPA currencies?

The EPC QR standard is designed for SEPA euro transfers. For non-SEPA IBANs the generator produces a plain IBAN QR code without the EPC payment header, which can still be scanned by apps that support IBAN QR lookup.

A GiroCode is the common name in Germany and Austria for an EPC QR code. It encodes a SEPA Credit Transfer following the EPC069-12 standard so a banking app can scan it and pre-fill the payment. This generator produces a GiroCode whenever you add a beneficiary name to a SEPA IBAN.

Which formats can I download the QR code in?

You can download an SVG (scalable vector, ideal for print and editing in Illustrator, Inkscape or Figma), a high-resolution PNG up to 2048px, a transparent PNG for coloured invoices and letterheads, or a vector PDF. You can also copy the QR image, the SVG markup or the raw payload to your clipboard.

Can I add an amount and a payment reference?

Yes. For a SEPA IBAN you can add a beneficiary name (required for a payment QR), an amount in euro, and a payment reference of up to 140 characters. These are encoded into the EPC QR so the recipient's banking app pre-fills the whole transfer.

How big should an IBAN QR code be when printed?

Big enough that each module stays at least 0.4 mm across, which is the minimum the Swiss QR-bill implementation guidelines set for printing; GS1 sets a comparable 0.396 mm for retail scanning. The generator shows the module count for your own code and the smallest width that keeps it above that floor. The four-module quiet zone required by ISO/IEC 18004 is already inside every file, so do not add another margin.

Do you offer a vector or Adobe Illustrator file?

Download the SVG or PDF. Both open directly in Adobe Illustrator, Inkscape and Figma as fully editable vector artwork. We do not output a proprietary .ai file because it cannot be created faithfully outside Adobe's own software; SVG and PDF give you the same editable vector result.

Is my IBAN stored when I generate a QR code?

No. The QR code is generated entirely in your browser. The IBAN and any payment details never leave your device and are not stored or logged on our servers.

IBAN QR Code Generator

Q: What is an IBAN QR code?

An IBAN QR code encodes payment details (IBAN, amount, beneficiary name, payment reference) in a machine-readable format. When scanned, banking apps can pre-fill a payment form automatically, reducing errors and saving time.

Enter any IBAN to generate a scannable QR code. Add a beneficiary, amount and reference to a SEPA IBAN for an EPC payment QR (GiroCode) that banking apps scan to pre-fill a transfer. Download as SVG, high-resolution PNG, transparent PNG or PDF. Everything runs in your browser, so your IBAN is never stored.

Enter IBAN

Waiting for IBAN0 / 331 bytes

Structure only. The corner patterns are identical in every QR code; the middle is your data.

Generated in your browser. Your IBAN is never uploaded.Security Methodology

Downloads unlock once you enter a valid IBAN.

Payment details

Optional. Add a payee, amount and reference to encode an EPC payment QR (GiroCode).

Beneficiary name

BIC (optional)

Amount

Currency

Payment reference

Appearance and output

Colour, logo and file size.

Code colour

Background

Centre logo (optional)

PNG size

87 mm at 300 dpi

Error correction MQuiet zone 4 modulesModule floor 0.4 mm

Fixed by the standard, and why there are only four settings

Error correction M and the four module quiet zone are fixed by EPC069-12, and the quiet zone is already inside every file we produce.

The 0.4 mm module floor is from the Swiss QR-bill implementation guidelines (SIX). GS1 sets a comparable 0.396 mm minimum for retail scanning.

We ship colour, size and a centre mark. We do not ship module shapes, eye shapes or gradient fills, because a payment QR that fails to scan is a failed payment.

Appearance settings are remembered on this device. Payment data is never saved.

What Is an IBAN QR Code?

An IBAN QR code encodes a bank account number in a machine-readable format so that banking apps, payment terminals, and accounting software can scan it directly, eliminating manual entry errors.

For SEPA countries (the EU and associated states), this tool generates an EPC QR code following the European Payments Council standard. This richer format encodes not just the IBAN but also the BIC, creditor name, and optionally an amount and remittance reference. Apps like ING, Revolut, N26, Wise, and most European mobile banking apps can scan an EPC QR to pre-populate a payment form instantly.

IBAN QR Code Generator interface: enter an IBAN and beneficiary to produce a SEPA-compliant EPC069-12 QR code, then download as PNG or SVG

EPC QR vs Plain IBAN QR

EPC QR (SEPA IBANs): Encodes the full payment initiation data (BCD header, BIC, beneficiary name, IBAN, optional amount and message). Recognised by all major EU banking apps and POS systems.
Plain IBAN QR (non-SEPA): Encodes just the IBAN string. Useful for sharing account details for manual entry, invoice attachments, and apps that scan plain text.

What Is a GiroCode?

GiroCode is the name used in Germany and Austria for an EPC QR code. It follows the same European Payments Council standard (EPC069-12) and encodes a SEPA Credit Transfer. This tool produces a GiroCode the moment you add a beneficiary name to a SEPA IBAN, with optional amount and payment reference. Earlier the beneficiary field is empty, so the code stays a plain IBAN QR until you name a payee. For a field-by-field walkthrough of the standard, including the 331-byte limit and why the error correction level is fixed, read what is inside a SEPA payment QR code. The payment reference field above accepts free text. If you need a reference with a built-in check digit instead, use the RF creditor reference generator and paste the result in.

Download Formats

SVG: a true vector file that stays sharp at any size. Best for print and for editing in Adobe Illustrator, Inkscape or Figma. Supports a transparent background.
PNG: a high-resolution raster image up to 2048px, large enough to print crisply on an invoice. Choose a transparent background for coloured layouts.
PDF: a vector PDF with the IBAN and payment details printed below the code, ready to attach to an invoice or payment request.
Clipboard: copy the QR image, the SVG markup, or the raw payload text to paste straight into a document, email or codebase.

Need an Adobe Illustrator file? Download the SVG or PDF. Both open directly in Illustrator as fully editable vector artwork, which is exactly what an .ai file would give you.

Phone cameras read coloured codes fine. Handheld scanners at a counter light the code in red and can read red, orange or yellow ink as blank, which is why a dark neutral is the safest ink for anything that will be scanned in person.

Common Use Cases

Invoices: Add a QR code to PDF invoices so clients can scan and pay without typing account details.
Payment request links: Include in emails or messaging apps to share your bank account for informal transfers.
Point-of-sale: Print or display the QR for in-person bank transfer payments at markets, studios, or events.
Accounting software: Some ERP and invoicing platforms can import payment details from EPC QR codes automatically.

Need to validate an IBAN before generating a QR? Use the main IBAN checker to confirm the account is valid and look up the bank name and BIC.

Holding a code someone else made? The payment QR decoder reads it back: every EPC element, the account it pays and the bank behind that account, decoded in your browser.

Last updated: June 2026