SEPA EPC QR Code (GiroCode): Payload Format for Euro Bank Transfers

1. Line-Based Payload

The EPC QR code is plain text with one field per line:

BCD
002
1
SCT
BICCODEXXX
Account Holder Name
DE89370400440532013000
EUR12.50
Invoice 2026-118

2. Field Notes

* Service tag BCD, version 001 or 002, character set 1 for UTF-8, identification SCT. * BIC is optional in version 002 within the SEPA area. * The amount is EUR followed by a decimal number. * Use either a structured creditor reference or unstructured remittance text, not both.

3. Tips

Use error correction level M, keep the name and reference short, and check against your own banking app before printing invoices.