EPC QR Codes in Finland
Finland adopted the EPC QR code standard in 2017, integrating it alongside traditional Finnish payment methods such as online banking references and mobile payment apps. Finnish businesses, associations and freelancers increasingly use EPC QR codes on invoices to simplify SEPA credit transfers for their customers.
The EPC069-12 standard is fully compatible with Finnish banking apps. When a payer scans an EPC QR code, their banking app automatically fills in the recipient IBAN, name, amount and payment reference – making invoice payments faster and more reliable.
Finnish IBAN Format
Finnish IBANs start with FI, followed by a two-digit check number and fourteen digits representing the bank and account number. The full Finnish IBAN has 18 characters (e.g. FI2112345600000785).
Which Finnish Banking Apps Support EPC QR Codes?
The three largest Finnish banking groups – OP (Osuuspankki), Nordea Finland, and Danske Bank – all support EPC QR code scanning in their mobile banking apps. Smaller Finnish banks that support SEPA credit transfers generally accept the same standard.
Finnish Banks Supporting EPC QR Codes
OP (Osuuspankki)
OP Mobile
Nordea Finland
Nordea Mobile
Danske Bank
Danske Mobile Banking
How to Create a Finnish EPC QR Code
- Enter your Finnish IBAN and name – Open the free generator and enter your Finnish IBAN (starting with FI) and the recipient name as registered with your bank.
- Add amount and payment reference – Enter the invoice amount in EUR and a reference such as an invoice number. Both fields are optional.
- Generate and share – Create the EPC QR code instantly and add it to your invoice PDF, email or website. Finnish payers scan it with OP Mobile, Nordea Mobile or Danske Mobile Banking.
FAQ – EPC QR Codes in Finland
Do Finnish banking apps support EPC QR codes?
Yes. OP Mobile, Nordea Mobile and Danske Mobile Banking all support scanning EPC QR codes for SEPA credit transfers following the EPC069-12 standard.
What is the Finnish IBAN format?
Finnish IBANs start with FI, followed by 2 check digits and 14 digits. Total length: 18 characters, e.g. FI2112345600000785.
Can I use EPC QR codes for Finnish invoices?
Yes. EPC QR codes are suitable for Finnish invoices. Place the QR code in the bottom-right corner at minimum 2×2 cm. The payer scans it with their banking app to initiate the SEPA transfer.