EPC SEPA QR Creator

Create SEPA QR codes for smarter bank transfer requests. Local on your iPhone. No sign-up, no subscription, no tracking.

EPC SEPA QR Creator helps you request bank transfers by creating EPC/SEPA-compatible QR codes directly on your iPhone.

The app is designed for the person who wants to receive money.

Enter your own recipient details once:

• recipient name
• IBAN
• optional BIC

Then, whenever someone should pay you, enter:

• amount
• payment reference

The app creates a local SEPA transfer QR code. You can show it, save it, share it, send it, export it or print it.

The paying person scans or imports the QR code with a supported banking app, checks the transferred payment details and approves the transfer there.

The app does not execute payments. It is not a banking app, wallet or payment service provider. The actual transfer is always handled by the paying person’s banking app and bank.

Why this is useful for the person receiving money:

• no need to send your IBAN manually every time
• reusable recipient details
• clear amount and payment reference for each request
• easier follow-up when several people owe the same amount
• practical for shared meals, group costs, private sales, clubs, events and reimbursements

Example: You paid for dinner and six people owe you the same amount. Instead of sending your IBAN, amount and reference to everyone manually, you create one QR code and share or show it. Each person scans or imports the code with their banking app, checks the payment details and approves the transfer.

Why this is useful for the paying person:

• no manual IBAN typing
• fewer typing errors
• payment amount and reference can be transferred into the banking app
• the payment still runs through their own trusted bank
• they remain in control and approve the transfer themselves

Why this makes normal bank transfers smarter:

• QR code instead of manual typing
• standard SEPA transfer data
• no extra wallet layer
• no additional payment-platform account
• no registration with the app provider
• works as a practical companion to regular banking apps that support EPC/SEPA QR codes

Privacy-friendly by design:

• no account
• no registration
• no subscription
• no tracking
• no analytics
• no external QR server
• no cloud QR generator
• payment data is not sent to the app developer

Recipient name, IBAN and optional BIC can be stored locally on your device and deleted at any time from inside the app.

Generated QR images are exported as cleaned PNG files. The app does not write camera, location or EXIF metadata into the exported QR file.

Please note: Other apps, messengers, cloud services or operating system functions may create their own technical metadata when you share, store or process the exported image outside this app.

SEPA Instant: If the paying person uses a SEPA Instant Credit Transfer in their banking app, the amount may generally become available within a short time, depending on the bank, account, banking app and selected transfer type. The app itself does not initiate or guarantee payment execution.