EPC QR code generator
Enter the account holder, the IBAN and an amount if you want one. You get an EPC QR code, called GiroCode in Germany, that banking apps scan to fill in the SEPA transfer for the payer.
Free, no sign-up. Runs in your browser. Nothing you type or upload is sent to us or stored.
Let people order and pay from your page
Put your products and prices on a free Liite page with a Products block. Buyers send you an order, and you send them your bank details or this code. Liite never touches the money.
How to use it
- Type the account holder's name and the IBAN exactly as your bank shows them.
- Add an amount in euros and a reference or payment text, or leave them empty so the payer fills them in.
- Download the code as PNG or SVG and put it on your invoice, next to the same details in plain text.
- Scan it with your own banking app and check the name, IBAN and amount before you send it.
What an EPC QR code holds
The European Payments Council (EPC) defines the format in its guideline EPC069-12. The code holds a few lines of plain text: the tag BCD, a version, the character set, SCT for SEPA Credit Transfer, the BIC, the name, the IBAN, the amount in euros, a purpose code, a reference or a payment text, and a note for the payer. It holds at most 331 bytes and uses error correction level M, so it stays readable with a little dirt or a fold.
GiroCode is the name German banks use for the same code, so a GiroCode generator and an EPC QR code generator make the same thing. Austrian invoices often label it "Zahlen mit Code". There is nothing in it but the payment details: no link, no tracking and no fee.
Do you need the BIC?
Within the European Economic Area (the EU plus Iceland, Liechtenstein and Norway) the IBAN is enough, and version 002 codes may leave the BIC out. The EPC still requires the BIC when a bank outside the EEA takes part, such as one in Switzerland, the UK or Monaco. The tool asks for it when your IBAN is from one of those countries. If many of your payers bank there, add it anyway.
Accounts outside SEPA can't receive a SEPA transfer, so the tool refuses those IBANs. It also checks the IBAN's length, layout and check digits, which catches nearly every typo.
Reference or payment text
A transfer carries either a structured creditor reference or up to 140 characters of free text, never both. A creditor reference follows ISO 11649: RF, two check digits and up to 21 letters or digits, for example RF18 5390 0754 7034. Type your invoice number and the tool turns it into one. Accounting software can then match the payment to the invoice by itself. If you don't use such software, a short text such as the invoice number is easier for everyone to read.
How to scan a GiroCode
Open your banking app and look for the option to scan a code or take a photo of a bill; the name differs from bank to bank. Point the camera at the code, check the name, IBAN and amount on the screen, and confirm the transfer as you normally would. Supporting the code is optional for banks, so not every app has it. A plain camera or QR scanner app can't make the transfer: it has to be your banking app.
Questions
Is this EPC QR code generator free?
Yes. It runs in your browser, needs no account, and the codes have no fee or expiry from us. Nothing you type is sent to us or stored.
Is a GiroCode the same as an EPC QR code?
Yes. GiroCode is the name used in Germany for the EPC QR code. Both follow the European Payments Council's guideline EPC069-12, so any app that reads one reads the other.
Which banking apps can scan it?
Many banking apps in Germany, Austria, the Netherlands, Belgium, Finland and other euro countries can, including the Sparkasse app. Banks don't have to support it, so check your own app or ask your bank.
Does the money go through Liite?
No. The code only holds your account details. The payer's bank sends the money straight to your account, and we never see it.
Can I use it at a shop counter?
The EPC wrote this format for invoices and payment requests, where the same details are also printed in plain text. For payments at a till or in an online checkout it points to a separate guideline, EPC 024-22.