IBAN QR Code vs. Simple QR Code
Many people create a QR Code that only contains the IBAN as text. This does not work with banking apps – only a structured GiroCode following EPC069-12 is recognised as a transfer order.
| Feature | IBAN QR Code (GiroCode) | Regular QR Code |
|---|---|---|
| Scannable by banking app | ✅ Yes | ❌ No |
| Amount transferable | ✅ Yes | ❌ No |
| Standard | EPC069-12 | No standard |
| Payment reference | ✅ Yes | ❌ No |
| Direct transfer | ✅ Yes | ❌ No |
How do I create an IBAN QR Code?
- Enter IBAN (e.g. DE89 3704 0044 0532 0130 00)
- Enter recipient name (max. 70 characters)
- Optionally add amount and payment reference
- Generate QR code and download as PNG
Which IBANs are supported?
All IBANs from the 36 SEPA countries: German (DE), Austrian (AT), Swiss (CH) and all other EU/EEA countries. Our generator automatically validates IBANs using the Mod-97 checksum.
FAQ
How do I encode an IBAN in a QR Code?
Use a GiroCode generator following the EPC069-12 standard. It encodes IBAN, recipient name, optional amount and payment reference in a structured format – not just as plain text.
Can I use any QR Code reader for IBAN QR Codes?
No. Only banking apps with EPC/GiroCode support recognise the payment data as a transfer order. Regular QR scanners only show the raw text.
What is the difference between a QR Code with IBAN and a GiroCode?
A regular QR Code contains only text. A GiroCode (IBAN QR Code) contains structured payment data following EPC069-12, which banking apps recognise directly as a transfer.
Is my IBAN safe in the QR Code?
The generator works locally in the browser, without storage. The IBAN is visible in the QR code – this is intentional for GiroCodes so payments can be made.