Girocode – Fast, Secure, and Simple Bank Transfers via QR Code

Created on 26 February, 2025 • 123 views • 4 minutes read

Girocode – Fast, Secure, and Simple Bank Transfers via QR Code

Girocode (also known as Giro QR Code or QR Payment Code) is a QR-based bank transfer system that enables users to process payments quickly and without errors by simply scanning a QR code with their banking app. Instead of manually entering IBAN, BIC, amount, and reference details, users can scan the QR Payment Code, and all necessary payment details will be automatically transferred to their banking app’s transfer form. This saves time and prevents mistakes. The Girocode is based on the standardized EPC-QR Code for SEPA transfers, making it bank-neutral and compatible with nearly all banks and banking apps.

In this article, you will learn what a Girocode is, what benefits it offers, how it is used in modern applications, and why you should generate your Girocodes with 7pxl.de.


What is a Girocode?

A Girocode is a QR code that contains all the necessary details for a SEPA bank transfer. This system was standardized by the European Payments Council (EPC) and is also referred to as the EPC-QR Code. In Germany, the term Girocode is widely used, while some also call it a Payment Code – all referring to the same concept.

The Girocode contains essential transfer details, including:

  1. Recipient (Name of the payee)
  2. IBAN (International Bank Account Number of the recipient)
  3. BIC (Bank Identifier Code, if required for international transfers)
  4. Amount to be transferred
  5. Purpose/reference (e.g., invoice number, donation purpose, etc.)


If a QR Payment Code is displayed on an invoice, email, or website, users can scan it with their smartphone camera and a banking app. The app reads the code and automatically fills in the transfer form with all the necessary details. Users only need to review and confirm the transfer using their TAN, making QR code payments much easier, faster, and error-free.

Benefits of Using Girocodes

Girocodes offer several benefits for both payers and recipients. Here are the key advantages of QR code-based transfers:

  1. Simplified Transfers: A Girocode significantly streamlines the payment process. Users only need to scan the code, and all payment details are pre-filled, eliminating manual entry.
  2. Faster Payment Process: Since users no longer need to manually enter details, transactions can be completed much faster. For businesses, this often means that invoices are paid more quickly, improving cash flow.
  3. Error Prevention: Automating data entry eliminates typos and incorrect bank details, reducing failed transactions and time-consuming corrections.
  4. Customer Convenience: QR code payments are more user-friendly, encouraging faster and more frequent payments. Customers appreciate not having to enter long IBANs manually, making them more likely to complete their transactions.
  5. Security: Girocode transactions are as secure as regular online bank transfers, as they still require authorization via the banking app’s TAN process. Additionally, the structured format prevents phishing attacks and ensures that payment details remain unaltered.


Modern Use Cases for Girocodes

Girocodes are widely used across various industries, wherever fast and error-free transfers are required. Some modern applications include:

  1. E-commerce and Online Shops: If your store offers bank transfer as a payment option, you can generate a Girocode at checkout. Customers scan the code and complete the payment immediately, reducing abandoned transactions.
  2. Invoicing for Businesses: More businesses are printing Giro QR Codes on their invoices or embedding them in digital PDFs. This allows customers to pay instantly and accurately, making it ideal for service providers, freelancers, and companies that issue regular invoices.
  3. Donations for Nonprofits: Charities and organizations can encourage donations by adding QR Payment Codes to flyers, posters, or websites. Donors simply scan the code, select an amount, and confirm the transfer, making the donation process quick and frictionless.
  4. Marketplaces and Peer-to-Peer Payments: On online marketplaces or classifieds, sellers can provide a Girocode to buyers for easy payments. This also works for personal transactions like rent payments, shared expenses, or informal sales.
  5. Retail and Point-of-Sale Payments: Some physical stores now offer QR code payments, displaying a Girocode on receipts or screens. Customers can scan it and complete the transfer via their banking app, an alternative to card payments.


Why Choose 7pxl.de for Your Girocodes?

If you want to use Girocodes for your business or personal transactions, 7pxl.de is the perfect solution. 7pxl.de offers a GDPR-compliant QR code and short link generator with unique features for creating and managing Girocodes efficiently. Here’s what makes 7pxl.de stand out:

  1. GDPR-Compliant Platform: Data protection is our priority. 7pxl.de is fully compliant with GDPR regulations, ensuring that user data remains private. No IP addresses are stored when tracking QR code analytics.
  2. Whitelabel Option for Businesses: With 7pxl.de, businesses can use the QR code and short link service under their own branding. You can generate and share Girocodes under your own domain and brand identity, maintaining a professional image without third-party branding.
  3. Advanced Analytics (Without IP Tracking): Track QR code performance with detailed analytics, such as scan counts, time-based activity, and regional data. All insights are collected without storing IP addresses, making our analytics both powerful and privacy-friendly.
  4. Fast and Easy Bank-Neutral Girocode Creation: 7pxl.de enables users to create bank-neutral Girocodes that work with all major banking apps. The platform is intuitive, allowing you to generate a QR Payment Code in seconds. If you manage multiple invoices, you can organize, update, and track all your codes in one place.


Beyond Girocodes, 7pxl.de also supports classic QR codes (for URLs, vCards, WiFi access, etc.) and short links, making it a versatile tool for digital marketing and payment processing.

Start Using Girocode Today – Sign Up with 7pxl.de!


Take the next step towards faster and more secure bank transfers: Sign up for free on 7pxl.de and create your first Girocode within minutes. Provide your customers with a modern and convenient payment solution while benefiting from powerful analytics and management tools.

Boost your payment efficiency and customer satisfaction – start using Girocodes with 7pxl.de today!