Finance and InvoicingFree · No Registration
GiroCode Generator: QR code for transfers
Your customer scans the code with their banking app, recipient, IBAN, amount, and reference are immediately filled in. No typos, faster payments.
Sample data, please replace with your own.
Test with any banking app that supports QR transfers.
Calculates in your browser. No input is saved or transmitted. All information provided without guarantee. For binding advice, please consult your tax advisor.
How it Works
- 1
Enter the recipient and IBAN. The IBAN will be checked immediately.
- 2
Enter the amount and reference, for example, the invoice number.
- 3
The QR code appears instantly. Download it as an image and place it on invoices, payment slips, or donation requests.
What is a GiroCode?
The GiroCode is the QR code according to the EPC069-12 standard of the European Payments Council. It contains the data for a SEPA transfer. Banking apps in Austria, Germany, the Netherlands, Belgium, Finland, and other countries can read it. In Austria, it is often simply called "Pay with Code" or QR payment slip.
Why on every invoice?
A QR code on the invoice is particularly beneficial for private customers:
- No typos in IBAN or reference, ensuring the payment is matched to the correct document.
- Customers pay faster because there's no need to type.
- Free of charge, without payment service providers and without fees.
What the code contains
The code only contains what you enter: Identifier "BCD", version 002, character set UTF-8, recipient (maximum 70 characters), IBAN, optional BIC and amount, as well as the reference (maximum 140 characters). It does not initiate a payment. The payer sees all data in their app and confirms it themselves.
Frequently Asked Questions
Is the GiroCode free of charge?
Yes. The standard is free to use, and there are no fees for creating or scanning it.
Does the code only work in Germany?
No. It works with many banking apps in the SEPA region, including Austria, Germany, the Netherlands, Belgium, and Finland. Whether an app supports QR transfers depends on the bank.
Do I need the BIC?
Not within the SEPA region. Version 002 of the standard allows the code without a BIC.
Can I omit the amount?
Yes, in that case, the payer enters the amount themselves. This is suitable for donations.
Are my data stored?
No. The code is generated in your browser. The IBAN and name do not leave your device.
Create invoices, assign payments
In DivineFinance, you create invoices, import bank statements as MT940, CAMT.053, CSV, or PDF, and assign each payment to the correct invoice. The system duns open items in three stages.
View bank reconciliationLink to this Calculator
You are welcome to recommend the calculator on your website, blog, or forum. Please copy this link:
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