What is an EPC QR Code?
An EPC QR code (European Payments Council QR Code) is a standardised QR code for SEPA credit transfers. The European Payments Council defines its structure in document EPC069-12. When scanned with a banking app, it automatically fills in the recipient name, IBAN, amount and payment reference – eliminating manual typing and reducing errors.
EPC QR codes are used on invoices, donation pages, event tickets and anywhere a quick bank transfer is needed. They work across all 36 SEPA countries and are supported by virtually every European banking app.
EPC QR Code vs. GiroCode – Same Standard, Different Names
EPC QR code and GiroCode refer to the exact same thing – just different names used in different regions:
- EPC QR code – international technical term (European Payments Council)
- GiroCode – German brand name, widely used in Germany and Austria
- SEPA QR code – functional description (QR code for SEPA payments)
- Stuzza QR code – Austrian term (same EPC069-12 standard)
All names produce identical QR codes following the same 11-line EPC payload structure. Our generator creates technically correct codes regardless of which name you prefer.
Step-by-Step: Create an EPC QR Code
- Enter IBAN and recipient name – Open the generator, type the IBAN (with or without spaces) and the recipient name.
- Add amount and reference (optional) – Enter the amount in EUR and a payment reference such as "Invoice 2026-001".
- Generate the QR code – Click Generate. The EPC QR code appears instantly, validated against the EPC069-12 standard.
- Download and use – Save as PNG, add to your invoice PDF or share digitally. The payer scans it with any SEPA banking app.
FAQ
What is an EPC QR code?
An EPC QR code is a standardised QR code for SEPA credit transfers defined by the European Payments Council in document EPC069-12. It encodes payment data – IBAN, recipient name, optional amount and payment reference – so banking apps can pre-fill a transfer when scanned.
Is EPC QR code the same as GiroCode?
Yes. EPC QR code is the international technical name, GiroCode is the German brand name, and SEPA QR code describes the function. All three refer to the same EPC069-12 standard and produce identical QR codes.
Which banking apps support EPC QR codes?
Virtually all SEPA-capable banking apps in Europe support EPC QR codes, including Sparkasse, ING, Deutsche Bank, N26, Revolut, George (Erste Bank), and hundreds of others across 36 SEPA countries.
Is this EPC QR code generator free?
Yes, completely free. No registration, no hidden costs. All data is processed locally in your browser – nothing is sent to a server.
Which countries use EPC QR codes?
EPC QR codes are valid in all 36 SEPA countries, including Germany, Austria, France, Spain, Italy, the Netherlands, Belgium, and all other EU/EEA SEPA members.