What is a SEPA Payment QR Code?
A SEPA payment QR code is a QR code that contains all the information needed for a SEPA credit transfer. When a payer scans it with their banking app, the transfer form is automatically filled with the recipient's IBAN, name, amount and payment reference. The payer only needs to confirm – no manual typing required.
SEPA payment QR codes follow the EPC069-12 standard of the European Payments Council and are recognised by banking apps across all 36 SEPA member countries. They are also known as EPC QR codes or GiroCodes (in Germany).
Why Use a SEPA Payment QR Code?
- Faster payments – no IBAN typos or copy-paste errors
- Professional invoices with embedded payment QR codes
- Works with all European banking apps
- Free to create – no registration or subscription
- 100% privacy – data stays in your browser
How to Create a SEPA Payment QR Code
- Enter the recipient IBAN and name
- Optionally add amount and payment reference
- Click Generate – the QR code appears instantly
- Download as PNG or add to your invoice PDF
FAQ
What is a SEPA payment QR code?
A SEPA payment QR code encodes all data needed for a SEPA credit transfer – IBAN, recipient name, optional amount and reference – in a scannable QR code following the EPC069-12 standard.
How do I generate a SEPA payment QR code?
Enter the IBAN and recipient name in our generator, optionally add amount and payment reference, then click Generate. The QR code is ready in seconds – free and without registration.
Which apps can scan SEPA payment QR codes?
All major European banking apps support SEPA payment QR codes: Sparkasse, ING, N26, Revolut, George, BNP Paribas, CaixaBank and hundreds more across 36 SEPA countries.
Is the SEPA payment QR code generator free?
Yes, 100% free. No account needed. All processing happens locally in your browser – your banking data never leaves your device.