An EPC QR code is the European Payments Council's standard QR code for a SEPA credit transfer; a banking app that supports it reads the payee's name, IBAN, amount and reference from it.
Make an EPC QR code (GiroCode) for a SEPA credit transfer with the payee, IBAN, amount and reference, ready to print on an invoice. Made in your browser.
Follows the European Payments Council's guideline EPC069-12, version 3.1 (19 March 2024). Reviewed 30 October 2026.
Support for EPC QR codes is optional for banks, so not every banking app reads them. Scan the code with your own banking app and check the payee and amount before you send it to customers.
Last reviewed
| Line | Element | Value |
|---|---|---|
| 1 | Service tag | BCD |
| 2 | Version | 002 |
| 3 | Character set | 1 |
| 4 | Identification | SCT |
| 5 | BIC | COBADEFFXXX |
| 6 | Beneficiary name | Acme GmbH |
| 7 | IBAN | DE89370400440532013000 |
| 8 | Amount | EUR125 |
| 9 | Purpose | GDDS |
| 10 | Structured reference | (empty) |
| 11 | Remittance text | Invoice INV-2026-001 |
BCD 002 1 SCT COBADEFFXXX Acme GmbH DE89370400440532013000 EUR125 GDDS Invoice INV-2026-001
BCD 002 1 SCT COBADEFFXXX Acme GmbH DE89370400440532013000 EUR125 GDDS Invoice INV-2026-001
Each value is on its own line: BCD, the version (002), the character set (1 for UTF-8), SCT, the BIC, the payee's name, the IBAN, the amount as EUR125.00, the purpose code, then the reference or the text.
Version 002 lets you leave the BIC empty for payments within the EEA. Version 001 requires it.
An ISO 11649 creditor reference such as RF18539007547034 goes in the reference field and the text field stays empty. Only one of the two may be used.
Invoice INV-2026-001 goes in the text field (up to 140 characters) when you don't use a structured reference.
The whole payload must fit in 331 bytes, the most a version 13 QR code holds at error correction level M. Long names and texts in accented characters use more bytes.
Last reviewed