100% local · no uploads
GiroCode Generator
SEPA-QR & Invoice PDF
Create SEPA-QR codes and invoice PDFs – completely in your browser, no data transmission.
100% Privacy
No banking data stored
EPC-compliant
Compatible with all banking apps
Free
No registration required
SEPA Standard
Recognized by all European banks
GiroCode Generator
Generate a SEPA-compliant GiroCode (EPC QR) directly in your browser. Ideal for invoices, donations or payment forms.
Invoice (PDF)
Create a compliant invoice with embedded GiroCode QR code – fully local in your browser.
The invoice PDF uses the currently generated GiroCode QR code and places it in the bottom right corner.
Note: no QR code is available yet. Please first generate a QR code in the GiroCode generator.
How much time do you save with GiroCode?
28 min.
Time saved / month
6 hrs.
Time saved / year
0.8
Equivalent to working day(s)
Invoice Editor
Design your invoice individually – Drag & Drop, custom logo, free layout. Completely free & local in your browser.
- ✅ Drag & Drop Editor
- ✅ Custom logo & colors
- ✅ All elements freely movable
- ✅ Download PDF instantly
What is a GiroCode? – The Definitive Answer
A GiroCode is a standardized QR code for SEPA bank transfers, specified by the European Payments Council (EPC) in document EPC069-12. In Germany, it has been widely supported by financial institutions since 2018. The GiroCode contains all the information required for a SEPA transfer: recipient name, IBAN, optional BIC, optional amount, and optional payment reference. Synonyms: SEPA-QR code, EPC-QR code, BezahlCode (outdated term).
Technical Specification
- Standard: EPC069-12 (European Payments Council)
- QR code error correction: Level M (15 %)
- Character encoding: UTF-8
- Maximum payload size: 331 bytes
- Compatible with: All SEPA-capable banking apps
Facts & Statistics
Create GiroCode for free – here's how
A GiroCode (also known as SEPA-QR or EPC-QR) is a standardized QR code that contains all the information needed for a SEPA bank transfer. With our free generator, you can create GiroCodes directly in your browser – without registration, without data transmission.
Frequently Asked Questions
- Is the GiroCode Generator really free?
- Yes, completely free – no registration, no subscription.
- Is my data stored?
- No. All processing happens locally in your browser. No data is transmitted to our servers.
- Which banking apps support GiroCodes?
- Most German banking apps support SEPA-QR codes, including Sparkasse, Volksbank, ING, DKB and many more.
- Do I have to enter an amount?
- No, the amount is optional. If left empty, the recipient can enter any amount.
- Can I embed the GiroCode in an invoice?
- Yes! Use our invoice PDF feature to create a professional invoice with embedded GiroCode.
- Is creating a GiroCode secure?
- Yes. All data is processed exclusively locally in your browser. Your IBAN, the amount and the payment reference never leave your computer. No data is transmitted to our servers.
- What data is stored in a GiroCode?
- A GiroCode contains: recipient's name, IBAN, optional BIC, optional amount (e.g. EUR49.90) and an optional payment reference (max. 140 characters). No personal data of the payer is stored.
- Why doesn't my banking app recognise the GiroCode?
- Common causes: the code is printed too small (minimum size 2x2 cm), poor lighting, reflections on the screen, or the banking app does not support the EPC standard. Tip: increase brightness and maintain a distance of 15–30 cm.
- Is a GiroCode the same as an EPC QR code?
- Yes. GiroCode is the German brand name for the EPC QR code (European Payments Council). In Austria it is called Stuzza-QR, in Switzerland QR-Bill. All are based on the same standard.
- How long is a GiroCode valid?
- A GiroCode has no expiry date. It remains valid as long as the account details it contains (IBAN, recipient name) are still current.
- Can someone use my GiroCode to debit money from my account?
- No. A GiroCode is a payment request, not a direct debit mandate. Only the payer can actively initiate a transfer and must confirm it with a TAN or biometrics. Knowing your IBAN does not allow anyone to debit money.
More background information in the knowledge area about GiroCode & SEPA-QR.
Learn more about GiroCodes
What is a GiroCode?
Basics and how the SEPA-QR code works.
→EPC standard explained
Technical structure of the EPC payload in detail.
→IBAN & BIC in GiroCode
Mandatory fields, format and IBAN validation.
→GiroCode on invoices
How to integrate it correctly into invoices.
→Banking apps overview
Which apps support GiroCodes.
→Scan a GiroCode
Step-by-step with your banking app.
→Amount & Payment Reference
How to enter amounts and references correctly.
→GiroCode with Your Bank
Step-by-step guides for all major German banks
Sparkasse
Guide for Sparkasse app
Volksbank
Guide for Volksbank app
Deutsche Bank
Guide for Deutsche Bank app
Commerzbank
Guide for Commerzbank app
ING
Guide for ING app
DKB
Guide for DKB app
Postbank
Guide for Postbank app
Targobank
Guide for Targobank app
N26
Guide for N26 app
Comdirect
Guide for Comdirect app
GiroCode for Every Use Case
Guides & best practices for your audience
Freelancers
Get paid faster – no IBAN typos.
→Associations
Collect membership fees & donations easily.
→Tradespeople
Invoices paid right on the spot.
→Donations
More donations through easy scanning.
→Small Businesses
EU-compliant PDF invoices, no subscription.
→Private Sales
eBay Kleinanzeigen & co. – without fees.
→You might also like
GiroCode Scanner
Scan an existing GiroCode and read out the payment data.
Bulk Generator
Create multiple GiroCodes at once via CSV upload.
Banking App Guide
Which banking apps support GiroCodes?
For Freelancers
Get paid faster with GiroCode on your invoices.
From the Blog
1 March 2026
Invoices as a Freelancer: GiroCode for Faster Payments
How freelancers get paid faster with GiroCodes.
Read more →15 March 2026
The History of GiroCode
From the EPC standard in 2012 to its introduction in Germany.
Read more →1 April 2026
IBAN Security: What You Need to Know
Is it safe to share your IBAN? Everything about IBAN security.
Read more →Freelancer Tips & New Features
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