EPC QR Code Generator (SEPA GiroCode)

An EPC QR code, known as GiroCode in Germany and Austria, lets the payer scan an invoice with a banking app and get a pre-filled SEPA credit transfer: beneficiary, IBAN, amount and reference. This generator builds the payload exactly as the European Payments Council guideline EPC069-12 describes, validates the IBAN and RF reference, uses the required error-correction level M and checks that the image decodes. The account details never leave your browser.

How to use this tool

1. Enter the beneficiary name and IBAN; add the BIC only if a bank requires it (always for version 001).
2. Optionally enter the amount in euro and a purpose code.
3. Choose a structured RF creditor reference or free-text remittance information, such as an invoice number.
4. Download the code and print it next to the same details in plain text.

Formula

BCD · version · character set · SCT · BIC · name · IBAN · EUR amount · purpose · RF reference · text · note

Each element goes on its own line, trailing empty lines are dropped and the payload may not exceed 331 bytes. The guideline requires error correction M and QR version 13 or lower. An IBAN or RF reference is valid when moving its first four characters to the end, replacing letters with numbers (A = 10 … Z = 35) and dividing by 97 leaves 1.

Example

The EPC069-12 sample uses BIC BHBLDEHHXXX, beneficiary Franz Mustermänn, IBAN DE71110220330123456789, EUR 12.30, purpose GDDS and reference RF18539007547034. The payload has 10 lines, 95 characters and 96 bytes (ä takes two bytes in UTF-8), and fits a version 6 QR code of 41 × 41 modules, exactly as the guideline states.