Free SEPA QR Code Generator

Make a free SEPA QR code that prefills a euro bank transfer

This SEPA QR code generator builds an EPC QR code, the format European banking apps read. A customer opens their banking app, scans the code, and the transfer form is already filled: your name, IBAN, the amount, and the reference. They check it and confirm. Put it on invoices, rent notices, membership letters, and club fee forms.

The payload follows the EPC069-12 standard used across the euro area, known as Girocode in Germany. It removes the worst part of bank transfers: typing an IBAN by hand. The code is static, free, and never expires.

What a SEPA QR code does

• Prefills the transfer: recipient name, IBAN, amount in euro, and a reference like an invoice number.
• Optional fields stay optional: leave the amount blank and the payer types their own. BIC is only needed by some banks.
• Nothing moves without approval: the payer reviews every field and confirms inside their own banking app.
• Stays fixed: the printed code always carries the same details.

Where SEPA QR codes save time

• Invoices: the reference carries the invoice number, so payments arrive matched to the right bill.
• Rent and utilities: tenants pay the right amount with the right reference every month.
• Clubs and associations: membership fees without the typo support emails.
• Donations in the euro area: parishes and nonprofits collect by transfer, without card fees.

How to create it

1. Enter the payment details: recipient name and IBAN in the fields above. Add the amount, BIC, and reference if you want them fixed.
2. Check the preview: scan it with your own banking app and confirm every field lands correctly.
3. Style it: keep it plain for paper invoices, or add a logo for counter signage.
4. Download: PNG or JPG for documents, SVG for print at any size.

Triple-check the IBAN before printing. A static code cannot be edited, and money sent to a wrong account is hard to recall.

Tips for codes that get scanned right

• Tell people where to scan: print "Scan with your banking app" next to the code. The phone camera may show plain text instead of a payment screen.
• Test with a real bank: support varies by bank, so scan with your own app before a print run.
• Keep the reference meaningful: an invoice number or member ID makes reconciliation automatic.
• Print at 2 x 2 cm or larger: banking app scanners read a clean, well-sized code on the first try.

FAQs

Which banking apps can scan it?

Many banking apps in the euro area read EPC QR codes, with the strongest support in Germany, Austria, the Netherlands, Belgium, and Finland. If your bank's transfer screen has a QR scanner, it very likely works.

Why does my camera app show text instead of a payment?

The code holds structured payment data, and the banking app is what turns it into a filled transfer form. Scan it from the transfer screen inside the app.

Can a scan take money from the payer's account?

No. The code only prefills the form. The payer sees every field and must confirm the transfer in their own banking app before anything is sent.

Does it work for currencies other than the euro?

No. The EPC format covers SEPA credit transfers in euro. For other payment types, see the PayPal or UPI generators.

Put your SEPA QR code on the invoice

Enter your name and IBAN above, scan test with your own banking app, and export. PNG drops into invoice templates; SVG prints clean at any size.