Scan
The app opens the camera and reads the QR off paper or another screen.
EPC codes
Which banks support EPC codes?
The EPC QR code — known as the GiroCode in Germany and Austria — packs a SEPA transfer into a QR code. These banking apps read it, sorted by country.
What is an EPC code?
The EPC QR code (standard EPC069-12 from the European Payments Council) encodes the payee, IBAN, amount and reference. The banking app reads it and pre-fills the transfer — you just confirm. “GiroCode”, “SEPA QR” and “EPC QR” all mean the same thing.
Upload
The app pulls the QR from an image, screenshot or PDF. That’s the GiroSnap way: save the QR to your photo album and upload it in the app.
Supported banks by country
Apps tagged “Every country” (Revolut, N26, bunq) read EPC codes across borders and appear everywhere.
Germany
- bunq
- comdirect
- Commerzbank
- Deutsche Bank
- DKB
- ING
- N26
- Revolut
- Sparkasse
- Volksbanken Raiffeisenbanken (VR BankingApp)
Austria
- Bank Austria
- BAWAG P.S.K.
- bunq
- Erste Bank / Sparkasse (George)
- N26
- Raiffeisen (Mein ELBA)
- Revolut
Netherlands
- ASN Bank
- bunq
- ING (NL)
- Knab
- N26
- RegioBank
- Revolut
- SNS
Belgium
- Argenta
- Belfius
- BNP Paribas Fortis (Easy Banking)
- bunq
- ING België
- KBC (KBC Mobile)
- N26
- Revolut
Luxembourg
- bunq
- N26
- Revolut
France
- BNP Paribas
- bunq
- N26
- Revolut
Ireland
- bunq
- N26
- Revolut
Italy
- bunq
- N26
- Revolut
Spain
- bunq
- N26
- Revolut
Portugal
- bunq
- N26
- Revolut
Finland
- bunq
- N26
- Nordea
- OP
- Revolut
- S-Pankki
Estonia
- bunq
- Luminor
- N26
- Revolut
- SEB
- Swedbank
Latvia
- bunq
- Luminor
- N26
- Revolut
- SEB
- Swedbank
Lithuania
- bunq
- Luminor
- N26
- Revolut
- SEB
- Swedbank
Countries with their own standard
Not every country uses EPC. Switzerland (QR-bill), Italy (PagoPA/CBILL), Spain (Bizum) and Portugal (MB WAY) have their own systems that usually don’t read the EPC GiroCode — in the Netherlands, Rabobank and ABN AMRO read only iDEAL QR. There, the apps available everywhere, like Revolut, are your best bet.