iban24

Create an EPC QR code for euro transfers

This tool creates EPC QR codes for euro transfers. It does not create Swiss QR bills and does not support QR-IBANs.

🔒 ✅ Your input is securely transmitted via SSL and is not stored.

Uploading logo…

PNG, JPG or WebP up to 3 MB. The logo is placed in the centre.

EPC QR codes in Switzerland

This tool creates an EPC QR code for euro transfers. It does not create the payment part of a Swiss QR bill and does not support Swiss QR-IBAN requirements.

Create a QR code for a SEPA transfer

An EPC QR code packages payment details in a format that compatible banking apps can scan. Instead of typing the beneficiary, IBAN, amount and remittance information manually, the payer scans the code and reviews the populated transfer form.

The iban24 generator follows the EPC069-12 format for SEPA credit transfers in euros. It is suitable for invoices, payment requests, donations and other situations where bank transfer details need to be shared clearly.

How to generate the code

  1. Enter the beneficiary name and IBAN.
  2. Optionally add the BIC and an amount in euros.
  3. Add either a structured creditor reference or free-form remittance text.
  4. Optionally include a purpose code, message or logo.
  5. Select Generate QR code, check the preview and download the PNG.

Only the beneficiary name and IBAN are required. Leaving the amount empty lets the payer enter it after scanning. A creditor reference and free-form remittance text cannot be used together because the EPC format permits only one of them.

Compatibility and limitations

Banking-app support varies. Test the downloaded code with the intended app and verify every imported field before approving a payment. The generator creates an EPC code for euro transfers; it does not initiate a payment and does not confirm the beneficiary or account status.

The QR payload is not encrypted. Anyone who can scan the image can read the included payment details, so do not add information that should remain confidential.

Using a logo

PNG, JPEG and WebP logos can be placed in the centre of the code. Keep the design simple and always test the result, because large or complex logos can make QR codes harder to scan. The generated result link expires after a few minutes.

Privacy

Payment details are used to generate the code and are not stored permanently. If a logo is uploaded, the generated image is cached only for the short lifetime of the signed result link.

Frequently asked questions about SEPA QR codes

Does this tool create a Swiss QR bill? +
No. It creates an EPC SEPA QR code for euro transfers, not a Swiss QR payment part or QR-IBAN.
Which banking apps can read SEPA QR codes? +
Support depends on the banking app. Look for an EPC QR scanning option and always verify the imported transfer details before approval.
Do I need to fill in every field? +
No. Only the beneficiary name and IBAN are required. BIC, amount, purpose, reference and message are optional.
Can I leave the amount empty? +
Yes. The payer can enter the amount in their banking app after scanning the code.
What is the difference between a reference and remittance text? +
A creditor reference is structured and machine-readable; remittance text is free-form. EPC QR codes allow one or the other, not both.
Can I use another currency? +
No. The EPC QR standard used here is intended for SEPA transfers in euros.
How can I add the QR code to an invoice? +
Download the PNG and insert it into your document or accounting template. Keep it large and clear enough for reliable scanning.
Can I use the generated QR code commercially? +
Yes. The generated image may be used on invoices, websites and printed materials without a licence fee.

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