QR Code Generator Free
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SEPA payment QR code

Put your IBAN, name, amount and reference into a QR code for invoices, donations or club fees. The payer scans it in their banking app and the transfer is filled in. Your bank details never leave your browser.

Your account

As your bank knows it. Up to 70 characters.

Any account in the SEPA area (euro transfers).

Only needed by a few older banking apps.

Amount

Leave empty if the payer enters the amount (donations, open invoices).

Reference

For example the invoice number. Up to 140 characters.

Some banking apps show it; it is not sent with the transfer.

Printed sign

Payments

How the SEPA QR code works

The SEPA QR code is a standard of the European Payments Council (EPC). In Germany and Austria it is printed on invoices as “GiroCode”; it also goes by EPC QR or “Scan2Pay”. It holds the data of a credit transfer in euros: name, IBAN, optionally the BIC, the amount and a reference.

The payer opens their banking app, chooses to scan an invoice or a code, and gets a transfer with everything filled in. They still confirm it, so they can check the name and amount first. The code itself does not move money and does not expire.

Most banking apps in Germany, Austria, the Netherlands, Belgium and Finland read it, and many in other SEPA countries. Before you print a large batch, try a test code with your own banking app.

Check a payment QR code before you pay

How to make a SEPA QR code

  1. Enter your accountYour name as the bank knows it and your IBAN. The generator checks the IBAN’s check digits, so typos are caught before you print.
  2. Add amount and referenceA fixed amount for invoices and fees, or no amount for donations. Use the invoice number as the reference so you can match the payment, or make a Creditor Reference (RF) from it.
  3. Download or printDownload PNG or SVG for your invoice template (at least 2 × 2 cm), or print a sign for a counter, a donation box or the club noticeboard.

Questions

Is this the same as a GiroCode?
Yes. GiroCode is the name used by German banks for the EPC QR code. The payload is the same, so banking apps read codes from this generator the same way.
Is my IBAN sent anywhere?
No. The code is made in your browser; your name, IBAN and amounts are never sent to our server.
Does the code expire?
No. All payment data is stored in the code itself, so it works as long as the account exists. There is no service in between that could switch it off.
Can I leave the amount empty?
Yes. The payer then types the amount in their banking app, which is useful for donations, tips or club fees of different sizes.
Do I need the BIC?
Usually not. Since 2016 the BIC is optional for transfers within the EEA. Add it only if a payer’s older banking app asks for it.
Can someone change the payment?
The payer can change the amount or reference before confirming, as with any transfer. Scammers sometimes stick their own codes over real ones, so tell payers to check the name shown in their banking app.