About Swiss QR Code v2.3 (Creditor Reference)
The Swiss QR Code is the payment part of the Swiss QR-bill (SIX Swiss Payment Standards). It contains creditor, IBAN/QR-IBAN, amount, currency and debtor and is printed with the Swiss cross in the centre. This variant uses the international Creditor Reference (ISO 11649, starting with RF). Format version 2.3.
Data format
IBAN (CH/LI), creditor with address, amount (optional), currency CHF/EUR, debtor (optional), reference depending on variant.
Example: CH4431999123000889012|Muster AG|Musterstrasse 12|8000 Zürich|CH|1949.75|CHF|Simon Muster|Musterstrasse 1|8000 Seefeld|CH|RF18539007547034|Rechnung 2024-1001
Electronic Banking / SEPA
Payment QR codes carry all transfer data (IBAN, amount, remittance info) in a standardised format. The EPC QR code ("GiroCode") is read by German and Austrian banking apps, the Swiss QR Code is mandatory on Swiss QR-bills.
Frequently asked questions about Swiss QR Code v2.3 (Creditor Reference)
Is the Swiss QR Code v2.3 (Creditor Reference) generator really free?
Yes. You can create as many Swiss QR Code v2.3 (Creditor Reference) barcodes as you like and download them as PNG or SVG – no registration, no watermark, commercial use included.
What resolution does the Swiss QR Code v2.3 (Creditor Reference) barcode have?
PNG files are generated with adjustable module width and up to 600 DPI. For print we recommend the lossless SVG vector format which scales without any quality loss.
Is my data stored?
No. The barcode content is only processed to render the image and is not stored. We only count anonymously how often a barcode type is used.
Can I embed Swiss QR Code v2.3 (Creditor Reference) barcodes in my website or software?
Yes. Every barcode has a stable image URL (see “Embed HTML”) which you can use in websites, label software or spreadsheets.