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GiroCode Generator — SEPA payment QR code (EPC QR)

Turn name, IBAN, amount and reference into an EPC QR code that banking apps read — checked against the EPC rules and generated in your browser.

Runs locally — nothing is uploaded

Content type

13 of 331 bytes used.

Before sending, scan it once with your banking app and compare name, IBAN and amount. Also print recipient and IBAN in plain text next to the code.

Everything you enter stays on your device – nothing is uploaded or stored.

Templates
Module shape

GiroCode: guideline EPC069-12 prescribes level M.

Contrast 17.73:1 — reads well

Dark modules on a light background scan most reliably.

Frame with label

With a label, the 4-module quiet zone always stays on; the card sits outside it and does not change the code. Leave it empty for no frame.

Eyes (finder patterns)

The eyes are function, not decoration: they are how a scanner locates the code. Very soft shapes can hinder detection — the scan check re-runs automatically after every change, but always do a real test scan before printing. EPS/PDF keep exporting the eyes as solid squares.

Logo & branding
Symbol in the centre

Logo and text sit centred on a clean knockout panel. Always test-scan before printing.

Enter text or a URL — your QR code appears instantly.

Need many codes at once? Open the QR batch generator (CSV list)

More QR code types

Wi-FivCardEmailSMSPhoneLocationEventWhatsApp

A GiroCode — the EPC QR code for SEPA credit transfers — carries the recipient's name, IBAN, amount and payment reference. The payer scans it in their banking app and every field is filled in; they only confirm. Enter the details below: the IBAN is checked, the EPC limits are enforced, and nothing leaves your browser.

What is inside a GiroCode?

Fixed lines defined by the European Payments Council in guideline EPC069-12: the tag BCD, version 002, the character set UTF-8, the identifier SCT, an optional BIC, the recipient name (up to 70 characters), the IBAN, the amount in euro and either a structured creditor reference (up to 35 characters) or a free-text reference (up to 140). The guideline fixes error correction level M and at most QR version 13, which caps the content at 331 bytes — this generator enforces exactly that.

Do I need the BIC?

Not for payments within the EEA. Version 002 of the format makes the BIC optional there, and the transfer is routed by IBAN alone. Enter it only if payers may come from outside the EEA, where it is still required. Amounts range from 0.01 to 999,999,999.99 euro; leave the field empty if the payer should type the amount.

Is a payment QR code safe?

The code cannot move money by itself — it only fills in a transfer that the payer still confirms in their banking app. The real risk is a forged code with someone else's IBAN pasted over yours. Print the recipient name and IBAN next to the code so payers can compare, and scan the code once with your own banking app before you send invoices.

How to create the code

  1. Enter the recipient name and IBAN; add BIC, amount and reference if needed.
  2. Check the result: the scan check reads the code back, and you can test it in your own banking app.
  3. Download as PNG for invoices and e-mails or as SVG/PDF for print, and put name and IBAN next to it.

Frequently asked questions

Which apps can read a GiroCode?

Banking apps that offer a QR or photo transfer and support the European EPC standard. The format is not tied to one bank, but support differs between apps — test the code with the banking app your payers are most likely to use before you print it in bulk.

Is my IBAN uploaded?

No. The code is generated entirely in your browser; name, IBAN and amount never leave your device. The IBAN check runs locally as well — it verifies structure, country length and check digits (ISO 13616), not whether the account exists.

Why is the error correction fixed at level M?

Because EPC069-12 prescribes level M. A higher level would still scan in many apps, but the code would no longer follow the guideline. A logo in the middle therefore has less headroom here; the logo check and the scan check tell you whether the code still reads.

What is a structured reference (RF)?

A creditor reference according to ISO 11649: RF, two check digits and up to 21 characters, for example RF18 5390 0754 7034. Accounting software can match such payments automatically. If you use it, the free-text reference stays empty — the guideline allows only one of the two.