EPC QR / GiroCode Generator

The standard. The content follows the EPC guideline EPC069-12, version 3.0 (effective 13 September 2022), "Quick Response Code: Guidelines to Enable the Data Capture for the Initiation of a SEPA Credit Transfer". The text of the code is a fixed list of lines: the service tag BCD, the version (001 or 002), a character-set code (this tool uses 1, UTF-8), the identification code SCT, then the beneficiary's BIC, name and IBAN, the amount in euro, an optional four-letter purpose code, a structured creditor reference or a free-text remittance (not both) and an optional note to the payer. The code is a QR code with error-correction level M and at most version 13, which is a payload of at most 331 bytes.

What is validated. The name (1 to 70 characters, required); the IBAN (format and mod-97 checksum, and the length for the countries in the tool's table, with a notice for others); the BIC (8 or 11 characters; required for version 001, optional for 002); the amount (0.01 to 999,999,999.99 with at most two decimals, optional); the purpose code (four letters); the structured reference (up to 35 characters, with a note when it starts with RF but is not a valid ISO 11649 reference) or the free text (up to 140 characters); the note to the payer (up to 70 characters); no line breaks inside a field; and the total payload size in bytes, counted in UTF-8, because accented characters take more than one byte.

Output. A vector SVG, a PNG, and the encoded text for inspection. The code is decoded again in the page to confirm that the generated image holds exactly the text you intended.

Banks and apps differ. The guideline is informative and optional for payment service providers. Banking apps may ignore fields such as the purpose code, may limit what they accept, or may handle amounts and references their own way. Always read the details shown in your banking app before you confirm a payment. The tool does not create a payment request and does not know whether an account exists.

EPC QR version 001 and 002, euro (EUR) only, UTF-8 text. Output as SVG or PNG with a four-module quiet zone. IBANs of any country can be encoded; the tool knows the exact length of the IBANs of 36 countries and checksum-checks all of them. The EPC scheme is the SEPA credit transfer; payments in other currencies or schemes are outside it.

1. Enter the beneficiary name and IBAN. The IBAN is checked as you type.
2. Add the amount if it is fixed (leave it empty to let the payer decide), and a reference or free-text remittance.
3. Check the preview and the byte count. Fix any message shown.
4. Download the SVG (best for print) or PNG, and scan the result with a banking app before you use it.

• Adding a payment code to an invoice, a club membership letter or a donation page
• A QR code on a market stall or a shop counter for quick transfers
• Collecting a fixed amount with a reference for each payer
• Testing what your banking app does with different fields
• Putting the code on an invoice PDF with the Add GiroCode to PDF Invoice tool

This follows the guideline but cannot guarantee how every banking app reads the code. It does not check that the account exists, that the name matches the IBAN, or that the payer's bank supports QR initiation. Instant payment, recurring payment and other schemes are not part of the EPC QR guideline and are not offered.

The guideline gives no print size for the code. Make the code large enough to scan comfortably (a square of about 3 cm or more is a common choice) and test it on paper with several devices.