Most banking apps in Germany, Austria, the Netherlands, Belgium and Finland; it is the European Payments Council’s standard (EPC069-12), known in Germany as GiroCode. Elsewhere support varies from bank to bank.

Not within the EEA: version 002 of the standard made it optional.

What if the IBAN is wrong?

No code is drawn. The check digits are verified and a typo shows a warning instead of a code that sends money nowhere.

How do I type the amount?

In euro, in any common way: 480, 480.00, 1,250.50 and 1.250,50 are all read correctly and written into the code as EUR480.00 or EUR1250.50, the form the standard requires. Leave the amount empty to let the payer type it in their app.

What is an RF creditor reference?

A structured payment reference (ISO 11649): RF, two check digits, then up to 21 letters and digits, such as RF47INV2026014. If what you type as the reference passes that check, it goes into the code’s own reference line; anything else is sent as free text, up to 140 characters.

Does the money go through Nouplo?

No. The code only fills in the transfer in the payer’s app. It is made in your browser and nothing you type is sent.

EPC QR code generator

A SEPA transfer as a QR code: scan, check, send.

Recipient (name or business)Recipient’s IBANBIC (optional)Amount in euro (optional)Reference or RF creditor reference (optional)Error correctionCode colourBackgroundLogo in the middle (optional)Image size

Preview

Transparent PNG, 512 × 512 px, drawn on your device.

Your files stay on your device

This tool runs entirely in your browser. Nothing is uploaded, nothing is stored, and you can even turn off your internet connection before you start.

Example

Example: an English tutor in Hamburg puts a €480 transfer code on her invoice

Emma Walsh (fictitious) teaches English in Hamburg and invoices a client €480 for October’s lessons. She types Recipient “Emma Walsh”, IBAN DE89 3704 0044 0532 0130 00, BIC empty, Amount 480 and Reference “Invoice 2026-014 English lessons October”.

The spaces are taken out of the IBAN and its check digits are verified; with a typo in the last digit (…3001), no code appears and the IBAN field is flagged.
480 is written into the code as EUR480.00, the form the standard requires; 480.00, 1,250.50 or 1.250,50 are read just as well.
Her reference is free text, so it goes on the last line. With an RF creditor reference instead, RF47INV2026014, it goes on line 10 and the code shrinks from 41 × 41 to 37 × 37 modules.

Line in the code	Content	What it is
1 to 4	BCD, 002, 1, SCT	the standard’s header, version 002, UTF-8, SEPA credit transfer
5	(empty)	BIC, optional within the EEA
6	Emma Walsh	recipient, up to 70 characters
7	DE89370400440532013000	IBAN without spaces
8	EUR480.00	amount in euro, with a full stop
9 and 10	(empty)	purpose code and RF creditor reference
11	Invoice 2026-014 English lessons October	free text, up to 140 characters

epc-qr-512.png, a 41 × 41 module code at level M, placed beside the bank details on the invoice PDF. The client scans it in their banking app, finds €480.00 and the reference filled in, and approves the transfer themselves. Keep the IBAN written out next to it for apps that do not read the code.

How it works

Enter the recipient and the IBAN; its check digits are verified at once.
Add the amount and a reference such as the invoice number.
Download the PNG and put it on an invoice, a reminder or an appeal.
The payer scans it in their banking app; the transfer is filled in and only goes once they approve it.

Frequently asked questions

Which apps read it?: Most banking apps in Germany, Austria, the Netherlands, Belgium and Finland; it is the European Payments Council’s standard (EPC069-12), known in Germany as GiroCode. Elsewhere support varies from bank to bank.
Is the BIC needed?: Not within the EEA: version 002 of the standard made it optional.
What if the IBAN is wrong?: No code is drawn. The check digits are verified and a typo shows a warning instead of a code that sends money nowhere.
How do I type the amount?: In euro, in any common way: 480, 480.00, 1,250.50 and 1.250,50 are all read correctly and written into the code as EUR480.00 or EUR1250.50, the form the standard requires. Leave the amount empty to let the payer type it in their app.
What is an RF creditor reference?: A structured payment reference (ISO 11649): RF, two check digits, then up to 21 letters and digits, such as RF47INV2026014. If what you type as the reference passes that check, it goes into the code’s own reference line; anything else is sent as free text, up to 140 characters.
Does the money go through Nouplo?: No. The code only fills in the transfer in the payer’s app. It is made in your browser and nothing you type is sent.