Typical mistakes on a QR-bill: a QR-IBAN without a QR reference, a regular IBAN with a QR reference, or a mistyped check digit. This page checks exactly that. It does not read the QR code itself: copy the details from the bill or from your software.
Deutsche Version: QR-Rechnung prüfen
Check the details
QR reference (27 digits) or creditor reference (starts with RF). Spaces are fine.
Examples:
What is checked
- IBAN: Swiss or Liechtenstein IBAN with 21 characters, check digits by modulo 97.
- QR-IBAN or regular IBAN: a QR-IBAN has an institution ID (positions 5–9) in the range 30000–31999.
- A QR-IBAN needs a QR reference: 27 digits, the last one a check digit by modulo 10 recursive, not all zeros.
- Regular IBAN: with a creditor reference under ISO 11649 (RF + 2 check digits + up to 21 characters, checked by modulo 97) or with no reference at all.
- Amount and currency: amount empty or from 0.01 to 999 999 999.99 with at most 2 decimals, currency CHF or EUR.
- QR-IBAN and EUR: from November 2027 a QR-IBAN is allowed in CHF only (SIX guideline v2.4). For EUR the check shows a note.
Name, address and whether the account really exists are not checked. The result is a help without guarantee; your bank decides what it accepts. Scan a new bill once with your e-banking app before you send it.
Create a new QR-bill
If something does not fit, create the payment part again: the Swiss QR-bill generator builds the QR or RF reference from your invoice number and sets the check digit for you.
Sources
- SIX: QR-bill standards, Swiss Implementation Guidelines QR-bill (reference types QRR, SCOR, NON; amount and currency CHF/EUR; account in Switzerland or Liechtenstein).
- SIX: QR-bill FAQ (QR-IBAN institution IDs 30000–31999, QR reference and creditor reference).
- SIX: Swiss Implementation Guidelines QR-bill v2.4 (valid from 14 Nov 2026; for EUR from November 2027 only IBAN with SCOR reference or unstructured message).
- ISO 11649 (structured creditor reference) for the RF reference; ISO 13616 for the IBAN check digits.
Status: 9 November 2026.