What is an IBAN QR Code or EPC QR Code?

An EPC QR Code (also called IBAN QR or SEPA QR) is a European standard BCD format that contains IBAN, BIC, beneficiary name, amount and reference. When scanned with any banking app in Europe, it auto-fills the SEPA credit transfer form.

Is this IBAN QR Code Generator SEPA compliant?

Yes. It generates BCD version 002, charset 1 (UTF-8), SCT service. Format: BCD\n002\n1\nSCT\nBIC\nName\nIBAN\nEURAmount\nPurpose\nRemittance\nInformation. Amount is formatted as EUR12.34.

Do I need BIC for IBAN QR?

BIC is optional for most SEPA countries since 2016, but recommended for non-EEA or if your bank requires it. If left empty, the EPC payload will have an empty line which is valid.

Is my banking data safe?

100% safe. All QR generation happens locally in your browser using QRCode.js. No IBAN, name or amount is sent to any server. Ideal for invoices and private transfers.

IBAN QR Code Generator

IBAN QR Code Generator - Free SEPA EPC QR Code for Bank Transfer | PRO | YellowNex WebApp

SEPA Payment Details

EPC BCD 002 LIVE

PRO LUXURY

Bank-Grade EPC QR. Compliant with European Payments Council. No data leaves your device. Instant scan in any EU banking app.

Beneficiary Name * Max 70 chars, no special line breaks

IBAN * SEPA IBAN - auto spaces allowed

BIC / SWIFT (Optional) 8 or 11 chars. Leave empty if SEPA inside EEA

Amount

If empty, payer can enter amount manually

Payment Reference / Remittance (Unstructured) Max 140 chars. Shown as payment reason.

Purpose Code (4 chars) Optional ISO 4-letter purpose.

Information / Extra Note (Optional line 11-12)

Preview - EPC QR

320x320 - High correction

Enter Beneficiary & IBAN to generate a bank-scannable SEPA QR that auto-fills wire transfer form.

BCD 002 1 SCT ... Waiting for input

€

EPC TIP

Amount blank = payer chooses amount. For invoices, always set amount + structured reference.

What is IBAN QR Code (SEPA EPC QR) & Why Use It?

IBAN QR Code Generator creates EPC QR Code (BCD format) used across Europe for SEPA Credit Transfers. Instead of manually typing long IBAN, BIC and reference, customers scan and pay instantly. Perfect for invoices, rent slips, donation forms, e-commerce checkout, and fee collection. Compliant with European Payments Council Implementation Guidelines.

How to Use - 3 Steps

Fill beneficiary - Legal name (70 chars max), valid IBAN. Add BIC only if required.
Add payment data - Amount in EUR will be encoded as EUR12.50 with 2 decimals. Reference up to 140 chars.
Scan & Get Paid - Download PNG with gold border, print on invoice or share digitally. Works in all EU banking apps.

Popular Uses

Invoices PRO: Add EPC QR to PDF invoice → faster payment.
Landlords: Rent QR with fixed amount and apartment reference.
eCommerce & Donations: SEPA QR on thank-you page for manual transfer.
Clubs & NGOs: Membership fees with purpose code CHAR / GDDS.
SME & Freelancers: Avoid typos, reduce late payments by 40%.

SEPA Compliance Details

Version BCD 002, UTF-8 charset 1, Service SCT.
Structure: BCD newline 002 newline 1 newline SCT newline BIC... Max length 331 chars.
Validation: IBAN Mod-97 check, amount 0.01-999999999.99, name sanitized.
No barcode needed - pure QR only for this type, as per EPC guidelines.

Why Our PRO Version?

Bank luxury theme - Navy #1E40AF → #1E3A8A with gold #FACC15 glow.
Client-side only, no tracking. Perfect privacy for financial data.
High error correction, print-ready PNG with white background.
Upgrade to PRO QR Suite for logo, batch, PDF export.

Security Notice

Never generate real customer data on untrusted sites. This page runs offline. Check URL is https://www.yellownex.com/p/iban-qr-code-generator.html and always verify IBAN preview before printing.

FAQ Quick Answers

Will it work outside Europe? EPC QR is EU-centric. US banking apps may not recognize it - use SWIFT QR variants there. Can I use non-EUR? EPC spec mandates EUR, even if currency field editable remains EUR.