Magic Heidi The UBS QR Portal step by step
For UBS and Credit Suisse customers: direct link to the portal, Excel upload, QR-IBAN and printing rules.
The UBS QR Portal at a glance
👉 Open the UBS QR Portal (free, no login, for UBS or Credit Suisse accounts). Background from UBS: QR billing.
In the portal you create payment slips with a QR code (with or without an amount, also blank slips "in stock" to fill in later), eBill-ready payment slips, or complete invoices with your logo and letterhead. The QR-bills it creates follow the current SIX rules.
How to create a QR-bill
- Open the QR Portal, no login needed.
- Pick a variant: payment slip (with or without amount, also "in stock"), eBill-ready payment slip, or complete invoice with logo and letterhead.
- Enter your account. If you want to work with a QR reference, you convert your account number into a QR-IBAN right in the portal, for free.
- Addresses in separate fields: street, house number, postcode, town, country.
- Download the PDF and test the QR code with your banking app: are payee, amount and account correct?
What to have ready
- your name or company name and your structured address (street, house number, postcode, town, country, each separate)
- your IBAN or QR-IBAN
- amount and currency (CHF or EUR)
- your client's name and address, invoice number, a short message
- a reference, if you want payments matched automatically
Since 22 November 2025, QR-bills may only contain structured addresses (SIX). So don't type Bahnhofstrasse 10, 8001 Zürich into one field: every element goes in its own field.
Printing
On paper, print the payment part on white, perforated paper of 80–100 g/m². Don't shrink the payment part with receipt (210 × 105 mm); the QR code must stay 46 × 46 mm. According to UBS, you can also send the invoice as an eBill via UBS Digital Invoicing.
Many invoices at once: Excel upload
In the portal you download an Excel template (Via Excel file › To start › Select a file), fill in one invoice per row from row 8 onwards and upload the file again. The portal turns it into personalised payment slips or complete invoices. There are templates for blank payment slips, payment slips in all variants, complete invoices, eBill-ready payment slips and the UBS direct debit procedure.
Only use the current V2 template from the QR Portal templates page. The portal rejects older templates with "Outdated template".
Check a QR-bill from other software
With the UBS checker you can see whether a payment slip from other software is correct and uses the structured address. SIX offers another check with its QR-bill Validation Portal.
IBAN, QR-IBAN and references:
the simple decision guide
This is where most mix-ups happen.
Normal IBAN without reference
The simplest option for many freelancers: no reference, just a message.
- good for single or occasional invoices
- ready to use right away
- works in CHF and EUR
- payments usually matched by hand
Normal IBAN + SCOR
Structured reference (RF…) without a QR-IBAN.
- always with a normal IBAN, never with a QR-IBAN
- good for clearly defined invoice numbers
- works in CHF and EUR
- tidier than free-text messages
QR-IBAN + QR reference
The classic Swiss QR reference for automatic payment matching.
- a QR reference needs a QR-IBAN
- convert to a QR-IBAN for free in the UBS portal
- CHF only under SIX 2.4 (transition until Nov 2027)
- typical for higher invoice volumes
Euro invoices: new rules from 14 November 2026
Version 2.4 of the SIX QR-bill rules applies from 14 November 2026. It provides for euro invoices with a normal IBAN only, and for a QR-IBAN with QR reference in CHF only. According to SIX, version 2.3 remains valid until November 2027, which is the final deadline. For euro invoices you use your normal IBAN, with a SCOR reference (RF…) or without a reference (SIX Implementation Guidelines 2.4). If you issue euro invoices with a QR-IBAN today, switch them before then.
The most common mistakes
- Combining a QR reference with a normal IBAN: a QR reference only works with a QR-IBAN. The other way round, SCOR never goes with a QR-IBAN.
- Typing the address into one field: no longer allowed since November 2025.
- Uploading an old Excel template: only the current V2 template works.
- Printing the payment part shrunk: the QR code must stay 46 × 46 mm, otherwise apps struggle to scan it.
- Sending the PDF unchecked: a quick scan with your banking app saves follow-up questions.
No UBS account, or want to stay bank-independent? The free generator works with any Swiss IBAN. Background on the switch from the old payment slip: Payment slip: from ESR to the QR payment part. On the QR-IBAN format: QR-IBAN example.
Banking with Raiffeisen? See our guide to the Raiffeisen QR generator.
Questions about the UBS QR Portal
Can I really create a QR payment slip at UBS for free?
Yes. The UBS QR Portal is free for invoice issuers with a UBS or Credit Suisse account and works without a login.
Is the old payment slip still valid?
No. The old red and orange payment slips were replaced by the QR-bill. If you need a payment slip today, you create a QR payment part.
Do I need a QR-IBAN?
Only for the QR reference (QRR). For invoices without a reference or with a SCOR reference, your normal IBAN is enough. You get the QR-IBAN for your UBS account for free in the QR Portal.
What changes from 14 November 2026?
With SIX version 2.4 (from 14 November 2026), the QR-IBAN is meant for CHF invoices only. You issue euro invoices with a normal IBAN, with a SCOR reference or without a reference. Version 2.3 remains valid until November 2027.
Can I add my logo and process many invoices at once?
Yes. The "complete invoice" variant includes logo and letterhead. For many invoices, fill in the Excel template from the portal (one invoice per row from row 8) and upload it.
What paper do I print the payment part on?
On white, perforated paper of 80–100 g/m². Don't shrink the payment part: the QR code must stay 46 × 46 mm.
How do I check a QR-bill from other software?
With the UBS checker. Among other things, it shows you whether the structured address is used.
Invoicing regularly? No portal copy-paste
Magic Heidi creates Swiss QR-bills with clients, numbers and payment status in one place. 3 invoices and 3 expenses free, no credit card.
