EPC SEPA QR Code Generator

How to use

1. 1Enter the beneficiary name and IBAN. Spaces and dashes in the IBAN are stripped automatically and the ISO 7064 mod-97 checksum is verified live.
2. 2Add a BIC if you are using EPC version 001 or if the beneficiary is outside the SEPA-EEA area. Version 002 lets you skip the BIC for SEPA-EEA IBANs.
3. 3Optionally set an amount in EUR (0.01 to 999,999,999.99), pick a four-character ISO 20022 purpose code, and write a remittance reference (unstructured free text or structured RF / ISO 11649).
4. 4Watch the live payload preview and the byte counter to stay under the EPC069-12 limit of 331 bytes. Fix any red error before scanning the QR with a real banking app.
5. 5Download the QR as PNG or SVG, copy the SVG markup for direct embedding, or copy the raw BCD payload. Print at any size; the spec recommends at least 2.5 cm wide and error correction level M or higher.

About this tool

EPC SEPA QR Code Generator builds the standardized 12-line BCD payload defined by the European Payments Council in EPC069-12, the same Quick Response Code popularly known as Girocode, and renders it as a printable QR. Modern banking apps in the SEPA area (including Sparkasse, Deutsche Bank, ING, Revolut, Bunq, finanzblick, OutBank, S-pushTAN, and the camera prefill in many mobile invoicing tools) scan this QR and pre-fill the SEPA Credit Transfer form with the beneficiary name, IBAN, BIC, amount, purpose, and remittance reference, so a payer can confirm the transfer in two taps instead of typing 22 to 34 characters of IBAN by hand. The tool implements the spec faithfully: line 1 is the BCD service tag, line 2 is the version (001 keeps BIC mandatory, 002 makes it optional for SEPA-EEA beneficiaries), line 3 is the character set (UTF-8 by default, with the seven ISO-8859 alternatives the spec allows), line 4 is the SCT identification, line 5 is the BIC, line 6 the beneficiary name, line 7 the IBAN, line 8 the amount formatted as EUR followed by the value, line 9 the four-character ISO 20022 purpose code, lines 10 and 11 the mutually exclusive structured (RF / ISO 11649) or unstructured remittance reference, and line 12 the optional beneficiary-to-originator info. The IBAN is validated against its country-specific expected length and the ISO 7064 mod-97 checksum so a typo never makes it into the printed payload. The BIC is checked for the 8 or 11 character SWIFT format, and a warning is shown when the BIC country does not match the IBAN country. The amount is parsed in either dot or comma decimal style, normalized to EUR followed by two decimals, and clamped to the 0.01 to 999,999,999.99 EUR range the spec allows. The total payload is capped at the EPC069-12 limit of 331 bytes; a live byte counter shows the budget for each field and the total. The QR is rendered locally with the project's pure-TypeScript ISO/IEC 18004 encoder and can be downloaded as a PNG or SVG, copied as SVG markup, or you can copy the raw payload to feed it into another tool. All work happens in your browser; the beneficiary name, IBAN, amount, and reference never leave the device, and no analytics, tracking, or signup is involved.

Free to use. Works in your browser. No signup, no login.