Definition: GiroCode, SEPA-QR, EPC-QR
A GiroCode is a QR code that encodes a SEPA bank transfer in a standardised text format. Technically it is based on the specifications of the European Payments Council (EPC) and is therefore often referred to as SEPA-QR or EPC-QR. Banks and payment providers can interpret this format in a uniform way and use it to create a ready-made transfer form.
How does a GiroCode work?
The process is deliberately simple: you place the GiroCode for example on an invoice or payment slip. The paying person opens their banking app, starts the integrated QR scanner and points the camera at the code. The app reads the EPC text and automatically fills in a transfer.
In most cases recipient, IBAN, BIC, amount and payment reference are filled in directly in the transfer form. The payer checks the details, adds any missing fields (e.g. the amount) and confirms the payment as usual with TAN or biometric approval.
Which data does a GiroCode contain?
A GiroCode contains structured text organised in several lines. Typical fields include:
- Name of the recipient (account holder)
- IBAN of the recipient
- BIC (partly optional, depending on bank and country)
- Amount in euros with two decimal places (e.g. EUR12.34)
- Payment reference – often an invoice number or member ID
Not every field has to be filled in: for example, you can leave the amount empty so the payer can enter it. What matters is that the mandatory structure of the EPC standard is respected.
Benefits of a GiroCode
GiroCodes offer several advantages:
- Fewer errors: IBAN and amount no longer have to be typed manually – typos and digit swaps become much rarer.
- Speed: A transfer can be prepared within seconds and confirmed immediately.
- Compatibility: Many banking apps in Europe already support SEPA-QR / GiroCode today.
- Professional appearance: Invoices with GiroCode look more modern and customer-friendly.
Who can use GiroCodes?
In principle anyone with a SEPA account can use GiroCodes – both as payer and as issuer of invoices. It is particularly useful for:
- Freelancers & self‑employed who want to make it easier for clients to pay.
- Clubs and associations, for membership fees or donations.
- Private individuals, for group orders, gifts or shared expenses.
Create a GiroCode online for free
With our GiroCode Generator you can create a SEPA-QR / EPC code in just a few steps – entirely in your browser, without sending any data to our servers. Optionally you can also create an invoice PDF with an embedded QR code.
Frequently asked questions about GiroCode
Is a GiroCode only usable in Germany?
GiroCode is based on the SEPA standard and is therefore in principle usable throughout the SEPA area. Whether a specific banking app supports the code depends on the bank. Many institutions in Germany, Austria and other SEPA countries already provide a QR scanner.
Can I create a GiroCode without an amount?
Yes. If you do not specify an amount, the amount field in the transfer form remains empty and the payer enters the desired amount. This is useful e.g. for donations or open contributions.
Which data are mandatory in a GiroCode?
Usually the name of the recipient and the IBAN are mandatory. Other fields such as BIC, amount or payment reference may be optional depending on the use case. For reliable allocation, however, a meaningful payment reference is strongly recommended.
What does it cost to use GiroCode?
Using a GiroCode is usually free of charge. Only your bank's regular SEPA transfer fees may apply, if any. Our generator itself can be used free of charge.