SEPA Credit Transfer QR Code Generator – Free 2026

What is a SEPA Credit Transfer QR Code?

A SEPA Credit Transfer QR code is a QR code that encodes all the information required to initiate a SEPA Credit Transfer (SCT) – the standard bank transfer mechanism across the Single Euro Payments Area. Technically, it follows the EPC069-12 standard defined by the European Payments Council and is also known as EPC QR code, GiroCode (Germany) or Stuzza QR (Austria).

When scanned with a SEPA-capable banking app, the QR code pre-fills the transfer form with the beneficiary name, IBAN, optional BIC, amount in EUR and payment reference. The payer verifies the details and confirms – the transfer is initiated without manual data entry.

SEPA Credit Transfer QR Code Payload

The EPC069-12 payload contains exactly 11 lines of plain text, encoded as a QR code:

BCD                      ← Service Tag
002                      ← Version (002 = BIC optional)
1                        ← Character Set (UTF-8)
SCT                      ← SEPA Credit Transfer
                         ← BIC (optional)
Max Mustermann           ← Beneficiary name (max 70 chars)
DE89370400440532013000   ← IBAN
EUR99.99                 ← Amount (EUR + amount)
                         ← Purpose Code (empty)
                         ← Structured reference (empty)
Invoice 2026-001         ← Payment reference (max 140 chars)

Who Uses SEPA Credit Transfer QR Codes?

Freelancers & self-employed: Faster invoice payments, fewer IBAN typos
Small businesses: Professional invoices with embedded payment QR
Associations & NGOs: Donation QR codes on flyers and websites
Tradespeople: On-site invoice payment via QR scan
Private sellers: eBay, marketplace and classified ad payments

SEPA Credit Transfer QR vs. Other Payment Methods

Unlike PayPal, credit cards or iDEAL, SEPA Credit Transfer QR codes require no merchant account, no API integration and charge zero transaction fees. They work offline on printed invoices, posters and PDFs. The trade-off: the payer must actively confirm the transfer in their banking app – there is no instant payment guarantee like with SEPA Instant (SCT Inst).

Countries Using SEPA Credit Transfer QR Codes

The EPC069-12 standard is valid across all 36 SEPA countries. Active adoption is highest in Germany (GiroCode), Austria (Stuzza QR), Belgium, the Netherlands and Finland. Any European bank account can receive payments via SEPA Credit Transfer QR code.

Create a SEPA Credit Transfer QR Code in 3 Steps

Enter beneficiary IBAN and name

Open the free generator and enter the recipient IBAN (any SEPA country) and beneficiary name. BIC is optional since SEPA migration 2016.

Add amount and payment reference

Enter the transfer amount in EUR and an optional payment reference. Both fields can be left blank for open payments.

Generate and use the QR code

Click Generate to create a validated EPC069-12 QR code. Download as PNG, embed in invoices or share digitally. 100% local – no data sent to servers.

Frequently Asked Questions

Is a SEPA Credit Transfer QR code the same as an EPC QR code?

Yes. SEPA Credit Transfer QR code, EPC QR code and GiroCode all refer to the same EPC069-12 standard. The QR code encodes data for a SEPA Credit Transfer (SCT).

Which countries support SEPA Credit Transfer QR codes?

All 36 SEPA countries support the EPC069-12 standard. Active use is highest in Germany, Austria, Belgium, Netherlands and Finland.

Is the SEPA Credit Transfer QR generator free?

Yes. girocodegenerator.com is completely free – no registration, no subscription. All data is processed locally in your browser with no server transmission.

What is the difference between SCT and SCT Inst QR codes?

Standard SCT QR codes initiate regular SEPA credit transfers (1–2 business days). SCT Inst (instant) QR codes exist but are less common. Our generator creates standard SCT QR codes compatible with all banking apps.