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SEPA CREDIT TRANSFER

EPC QR code for a SEPA transfer

The European bank-transfer code: beneficiary, IBAN and amount in the EPC069-12 format that European banking apps read.

An EPC QR code stores the details of a SEPA credit transfer — beneficiary, IBAN, amount, reference — that a European banking app reads to pay.

Add the content
Optional. Leave it out and the payer types the amount.
Style this code
Style this code — colour, shape, branding, frame and output
Colour & contrastThe ink, the paper behind it, and the three eyes. Every choice is contrast-checked as you make it.
Foreground
18.0:1 against the background — clears the 4.5:1 a camera wants margin on.
Background
Eye colours
ShapeHow the squares are drawn. The three eyes are styled apart from the data, because a scanner finds the code by them.
Modules
Every shape here is decode-tested before it is offered. Shapes that lose the symbol — diamond, star, heart — are not on this list, however good they look.
Eye frame
Eye centre
BrandingYour mark on the code. Every picture here costs scanability — the notes say how much, and the preview is the truth.
Logo image
PNG, JPEG or WebP, up to 2MB. The modules beneath it are cleared and error correction rises to cover the hole.
Background picture
Sits behind the modules, quiet zone included. A busy picture is the classic reason a decorated code stops scanning — check the preview with a phone before printing.
Foreground texture
Washes over the ink itself, so it is capped well below full strength — at full strength there is no code left to scan.
Frame & captionA border and a line of text around the code — the "scan me" that tells a passer-by what it is for.
Frame style
A frame is drawn outside the quiet zone, never into it — the canvas grows instead, so the border cannot cost the code its margin.
OutputWhat comes out of the download buttons, and what the symbol actually carries.
Options
Automatic picks the smallest encoding that carries your text, and is right almost always. The other three exist for older scanners that expect one specific encoding; each refuses text it cannot carry rather than mangling it. Encodings we cannot convert to correctly are not offered at all.The margin never goes below 4 — ISO/IEC 18004's minimum; smaller is not a QR code. A logo raises error correction to at least Q. Encoding is chosen by the encoder per symbol and shown in the readout — a manual charset menu only makes codes bigger.
Embedded dataBCD 002 1 SCT Vereniging Voorbeeld XX62ABNA0417164300 EUR25.00 The exact text the symbol carries — what any scanner will read out.
Save this design — free account, the code stays editable →
Your code
v537×37 modulesmixedEC-M65/86mask 6
4/4 4 of 4 checks passHow we measure (opens in a new tab)
Print-ready PDF

A press file at the finished size: 3mm bleed, crop marks and a trim box a print shop’s checks read. The code is drawn black on white whatever the design above — how a colour prints is something only a test print can show.

No account · no watermark · no scan limits

The IBAN is checked before anything is drawn

IBANs carry a mod-97 checksum, so a mistyped one is detectable rather than merely wrong. It is validated before the code is built and nothing is drawn if it fails — a printed transfer code with a bad IBAN is money going to an error message at best.

It is a text block, not a link

EPC069-12 is fixed-position plain text, not a URI. That is why a general QR scanner shows it as text rather than opening anything: the banking app is what recognises the format. Testing with a camera app tells you the code scans, not that it pays.

Which banks read an EPC QR code?

This is the SEPA scheme. For India the equivalent is UPI, which is a different format entirely and has its own generator with the app compatibility matrix.

EPC QR codes

Which apps read it?

Most European banking apps support EPC069-12 in their scan feature. Support is per bank rather than per country, so test with the one your payers actually use.

Can I leave the amount blank?

Yes. The payer enters it — the usual choice for a donation code.

Why does my phone show text instead of paying?

A camera app is not a banking app. Scanning from inside the bank’s own app is what recognises the format.

Does it work outside the euro area?

No — the scheme is euro-only and SEPA-only, so a bank outside it will not act on the code. Elsewhere, use the local scheme: UPI, PIX or QRIS.

Example SEPA transfer QR code made with this generator, decode-tested, not scored
An example SEPA transfer QR code from this generator — the same code the preview above shows, decoded before it was published.

Built to ISO/IEC 18004:2024 (the QR code symbology) · EPC069-12 (the European Payments Council’s SEPA credit transfer QR)

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