Free SEPA Transfer QR Code Generator
A SEPA transfer QR code fills in a bank transfer for the person paying: your name, IBAN, the amount and the payment reference. They scan it with their banking app, check the details and confirm, so nobody retypes a 22-character IBAN from an invoice.
SEPA Transfer QR code designs
Samples in built-in themes. Each one scans, and none leads to a real account. Pick one to start from it in the playground.
How to create a SEPA Transfer QR code
The format comes from the European Payments Council's guidelines, EPC069-12, and is often called a GiroCode. Banking apps in several euro countries read it, Germany and Austria especially. It suits invoices, rent, club fees and donation posters.
- 1Enter the beneficiary name and IBAN. QRdx checks the IBAN's length and check digits.
- 2Add the BIC only if your bank asks for it; inside the EEA it's optional.
- 3Optionally set an amount in euros and a payment reference, or a structured RF creditor reference.
- 4Switch the design to error correction level M if the form asks, then scan the preview with a banking app.
SEPA Transfer QR code format
Format
BCD
002
1
SCT
<BIC>
<name>
<IBAN>
EUR<amount>
<purpose>
<RF reference>
<reference text>Example
BCD
002
1
SCT
Bloom Cafe
DE58123456780123456789
EUR12.50
Invoice 1024- Each field is one line, in a fixed order. QRdx writes version 002 with UTF-8 text and leaves empty trailing lines out.
- The whole code holds at most 331 bytes. Names are up to 70 characters and reference texts up to 140.
- A transfer takes either a structured RF creditor reference or free reference text, never both. RF references are checked with their check digits.
- The guidelines ask for error correction level M, and the form offers to switch the design to it.
SEPA Transfer QR code FAQ
Which banking apps read SEPA QR codes?
Many apps in Germany and Austria, and a number in other euro countries, read EPC codes. Some apps call it GiroCode or photo transfer. Test with the apps your payers use.
Does the code pay automatically?
No. It only fills in the transfer form. The payer checks the details and confirms in their banking app.
Is my IBAN sent to QRdx?
No. The code is made in your browser, and the playground never puts bank details in a link.