STATIC QR WORKSHOP

EPC QR Code Generator (GiroCode) for SEPA Credit Transfers

Put your IBAN, name, amount and invoice reference into a QR code that many European banking apps read straight into a transfer form, so customers pay without typing. It follows the European Payments Council guideline EPC069-12 and is made entirely in your browser.

IBAN check digits verified
Amount and reference
Error correction M, as specified
Nothing uploaded

How it works ↓QR content stays on your device.

What this code does

An EPC QR code, marketed in Germany and Austria as GiroCode, holds the details of a SEPA credit transfer. When a customer scans it in a banking app that supports it, the app fills in the recipient, IBAN, amount and reference; the customer checks them and confirms. Nothing is paid by scanning alone, and QR Meadow never sees a payment: the code contains only the data you enter.

The format is described in the European Payments Council's guideline EPC069-12, “Quick Response Code: Guidelines to Enable the Data Capture for the Initiation of a SEPA Credit Transfer” (version 3.0, checked 24 October 2026). The guideline is informative and optional for banks, so support varies by bank and app; it is meant for codes shown next to the same data in plain text, as on an invoice.

How to fill it in

Recipient. The name of the account holder, up to 70 characters, exactly as your bank expects it.
IBAN. Spaces are allowed and removed. The check digits are verified, so most typos are caught before you print.
BIC (optional). Version 002 of the format, which QR Meadow uses, makes the BIC optional inside the EEA. For accounts outside the EEA banks still need it, and the form reminds you.
Amount (optional). From 0.01 to 999,999,999.99 euro. Leave it empty if the payer decides the amount.
Reference. Either a free text of up to 140 characters, such as an invoice number, or a structured creditor reference in the ISO 11649 format (RF followed by two check digits), which is checked too. The guideline allows only one of the two.
Message to the payer (optional). Up to 70 characters that some apps show to the payer. It is not part of the transfer itself.

Built to the guideline

Every element on its own line, in the guideline's order, starting with BCD, version 002, character set 1 (UTF-8) and SCT, with no separator after the last element.
Error correction level M, as the guideline prescribes. For that reason QR Meadow leaves a logo out of EPC codes; colours, shapes and frames still apply.
At most 331 bytes, which keeps the code at QR version 13 or smaller. A longer name or text is refused with a clear message.
The amount is written as in the guideline's examples, such as EUR12.3.

Where to use it

Invoices and payment reminders, membership fees, rent and deposit requests, donation letters and order confirmations: anywhere you already print your bank details. Keep the plain-text details next to the code, as the guideline intends, so people whose app does not read EPC codes can still pay.

Before sending a batch of invoices, scan one printed code with two or three banking apps and check that the IBAN, amount and reference arrive unchanged. The QR code scanner also shows the fields of an EPC code from an image.

Questions

Is an EPC QR code the same as a GiroCode?

Yes. GiroCode is the name used in Germany and Austria for the EPC QR code defined in the European Payments Council guideline EPC069-12.

Which banking apps can read it?

The guideline is optional for banks, so support varies. Many banking apps in Germany, Austria, the Netherlands, Belgium and Finland read it; test with your customers' banks before relying on it.

Do I need the BIC?

Not for accounts inside the EEA: version 002 of the format makes it optional. For accounts outside the EEA, banks still need the BIC.

Why can I not add a logo?

The guideline prescribes error correction level M. A logo needs the higher level H to stay readable, so QR Meadow leaves it out of EPC codes.

Can the payer change the amount?

That depends on the banking app. The code fills in the amount, and the payer always confirms the transfer in their own app.

Is my IBAN uploaded anywhere?

No. The code is made in your browser and nothing you type is sent to a server.