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Free QR-bill generator

Swiss QR-bill generator: free, no signup

Enter your address and IBAN, add the client and what you did, download the PDF with the QR payment part. Your normal Swiss IBAN works, at any bank. Or create just the payment part.

Swiss IBAN starting with CH.
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The generator in brief

What the QR-bill generator does

A full invoice with line items and VAT, or just the payment part, as a PDF. Amounts are rounded to 5 centimes; you can switch that off.

No account needed

No login, no email address. Fill in the form, download the PDF.

Any Swiss IBAN

PostFinance, UBS, Raiffeisen, ZKB, a cantonal bank or a neobank: your normal IBAN works.

Structured addresses

Separate street, postcode and town fields, as SIX requires. PDF in EN, DE, FR or IT.

Link valid 1 hour

The PDF is generated on a server in Zurich. The download link is valid for 1 hour.

Create a QR-bill in three steps

  1. Fill in your details and your client's: name or company, street, postcode, town and your IBAN; the same for the client, without an IBAN.
  2. Add the line items: description, quantity and unit price, on one or several lines. Optional: VAT (8.1%, 3.8% or 2.6%) with your VAT number, invoice number, date, language (English, German, French or Italian), currency, logo, notes, payment message and QR reference.
  3. Click "Generate Invoice", then open or download the PDF.

The link "Fill empty fields with test data and generate" shows you the result in ten seconds.

Only need the QR code or the payment part? Tick "QR Slip Only" in the options. If someone asked you for an Einzahlungsschein (payment slip): the QR payment part is today's Einzahlungsschein.

Before you send it: scan the code with your own banking app, without confirming the payment. Recipient, IBAN, amount and reference must match the invoice.

What the generator doesn't do: it needs an amount and a payer, so a client and at least one line item with a price. It makes one invoice per run and remembers nothing for next time. For blank slips without an amount, or for batches, use your bank's tool (table below) or invoicing software.

QR code for your PDF

Add a QR code to an existing invoice

Made your invoice in Word, Pages or Canva? Upload the PDF, enter IBAN and amount: the tool adds the A6 QR payment part to the last page. More about the tool

Create a QR-bill with your bank: what Swiss banks offer

The big banks have their own tools, usually only for their own accounts. As at 11 November 2026, checked on the banks' websites:

ToolFor which accountsWhat you get
Generator on this pageAny Swiss IBANFull invoice with line items, VAT and logo, or just the payment part; no signup
PostFinance QR generatorPostFinancePayment part with QR code and receipt; on the website or in e-finance
UBS QR portalUBS and Credit SuissePayment slips (also blank, for stock), full invoice with logo, Excel upload for batches; free, no login
Raiffeisen QR generatorRaiffeisenQR slip (payment part with receipt), amount optional; no full invoice
ZKBZürcher KantonalbankNo separate generator: order QR payment parts free of charge in eBanking (paper or PDF)

Your bank's tool is enough if you only need the payment part and your account is with that bank. If you need the invoice around it, with line items, a number and VAT, use the generator above or invoicing software.

Background

What is a Swiss QR-bill?

Also called a QR invoice, and since 1 October 2022 the only payment slip Swiss banks process: receipt on the left, Swiss QR Code with account, amount and reference on the right. Standard set by SIX.

What is a Swiss QR-bill
Reference types

Three types of QR-bill

Which one you use depends on your account. Most freelancers use the third.

QR-IBAN with QR reference (QRR)

For payees who match many payments automatically. The 27-digit QR reference identifies each payment. It needs a QR-IBAN and is meant for invoices in CHF.

IBAN with Creditor Reference (SCOR)

ISO 11649 reference starting with RF. Works with your normal IBAN, in CHF and EUR. Mostly used in international business.

IBAN without reference (NON)

What most freelancers and small businesses use. No QR-IBAN needed; the invoice number goes in the payment message.

Required details

What goes on a
QR-bill?

Two parts: the invoice itself, with the service and any VAT, and the QR payment part under the SIX standard.

On the invoice itself

If you're VAT-registered, Art. 26 of the VAT Act requires these details. Without VAT registration they're still standard practice. More under VAT for freelancers.

  • Name and address of the issuer
  • VAT number (if VAT-registered)
  • Name and address of the recipient
  • Date of the invoice and of the service
  • Description of the service or delivery
  • Amount and currency; VAT rate and VAT amount (for VAT-inclusive prices, the rate is enough)

On the QR payment part

Required and optional data under the SIX Implementation Guidelines. A template for the invoice part: Swiss invoice template.

  • IBAN or QR-IBAN of the payee
  • Payee's name and structured address (name, postcode, town and country required)
  • Payer's name and address, if known
  • Currency CHF or EUR; amount optional
  • With a QR-IBAN, the 27-digit QR reference is required; with a normal IBAN, no reference or a SCOR reference
  • Message of up to 140 characters, optional
  • Layout and dimensions under the SIX standard
Common mistakes

Five checks before you send the invoice

Most questions from clients come down to one of these.

  1. QR reference without QR-IBAN: The QR reference only works with a QR-IBAN. With a normal IBAN, use no reference or a SCOR reference.
  2. Address on one line: Since 22 November 2025 SIX only allows structured addresses. Street, number, postcode and town go in separate fields.
  3. Sending only the payment part: The payment part doesn't replace the invoice. Service, amount and any VAT belong on the invoice part.
  4. Duplicate numbers: Invoice numbers kept by hand get used twice sooner or later.
  5. PDFs left in your inbox: Business records must be kept for ten years (CO Art. 958f), not in an email folder.
Guide

QR-bill rules, example and printing

If account, address, amount and reference fit together, the payment goes through without a single question from your client.

The technical rules of the QR-bill

Structured addresses only. Since Implementation Guidelines 2.3 came into force on 22 November 2025, the QR-bill only accepts structured addresses (SIX, QR-bill). Street, house number, postcode, town and country each have their own field.

Version 2.4 from 14 November 2026. According to SIX, it brings no technical changes for invoices in Swiss francs. For invoices in euros, only a normal IBAN with a SCOR reference or a normal IBAN with a message will be possible from November 2027; until then, version 2.3 stays valid (SIX Implementation Guidelines 2.4). If you invoice in euros with a QR-IBAN today, plan the switch.

Swiss or Liechtenstein IBAN only. The payee account must be an IBAN starting with CH or LI. The generator on this page takes IBANs starting with CH. A foreign account can't go into the QR code; for those, write IBAN and BIC on the invoice in plain text.

The QR code measures 46 × 46 mm, black on white, with the Swiss cross (7 × 7 mm) in the middle. Too small, stretched or blurry, and the banking app can't read it.

The reference must match the account. The QR reference (27 digits) only works with a QR-IBAN (institution ID 30000 to 31999); SCOR and "no reference" work with a normal IBAN. More under QR-IBAN example.

CHF and EUR only. If you invoice in USD or GBP, send an invoice without a payment part and give IBAN and BIC in plain text.

QR-bill example

A fictional graphic designer in Bern invoices a bakery in Thun CHF 1'232.34. She has no QR-IBAN, so like most freelancers she uses "IBAN without reference".

FieldExample
FromLea Brunner Grafikdesign, Kramgasse 12, 3011 Bern
ToBäckerei Frei GmbH, Bahnhofstrasse 8, 3600 Thun
No. / date2026-041 / 8 September 2026, payable by 8 October 2026
ServiceFlyer and menu card, 12 h at CHF 95.00
AmountCHF 1'140.00 + VAT 8.1% CHF 92.34 = CHF 1'232.34
AccountCH93 0076 2011 6238 5295 7
Referencenone (NON), message "Invoice 2026-041"

How to read the payment part: it takes up the bottom 105 mm of the A4 page, with the receipt on the left and the payment part with the Swiss QR Code on the right. When scanned, the banking app must show exactly these values.

By email, send the PDF as it is. On paper, the payment part goes on white, perforated paper, printed at original size; PostFinance and Raiffeisen explicitly require this for printed invoices. Perforated QR paper is sold at the post office (Postshop) and in office supply stores.

A QR-bill template for Word or Excel?

A template only exists for the invoice part. The Swiss QR Code has to be calculated for each invoice, which Word and Excel can't do. Use an invoice template, save it as a PDF and add the payment part with the "QR code for your PDF" tool above.

Is the QR-bill mandatory?

No, there's no general legal obligation. Since 1 October 2022 the orange and red payment slips are no longer processed; the QR payment part replaced them. You can instead give your IBAN and account holder in plain text, and your client types in the transfer. With the QR code they pay faster and without typos. Not to be confused with eBill: that delivers the invoice straight into the client's e-banking and requires registration with the eBill network.

Check your QR-bill

A readable QR code isn't yet a valid QR-bill. Scan the PDF with your own banking app and compare recipient, IBAN, amount and reference. Templates you reuse should also go through the SIX validation portal.

Read more: how to write an invoice in Switzerland, what changed with the QR-bill in November 2025, VAT management, invoicing software for Switzerland, bexio alternative and Magic Heidi pricing.

SIX information checked on 11 November 2026, CH/LI IBAN rule on 12 November 2026. Invoice content: Art. 26 VAT Act.

For regular invoices

Invoicing every month? Stop starting from scratch.

The generator doesn't remember your clients or invoice numbers for next time. Magic Heidi keeps clients, numbers and payment status. 3 invoices and 3 expenses are free, then see pricing.

Set up once

Save your IBAN, address, logo and, if you have one, your VAT number.

Pick the client, add the work

Magic Heidi calculates VAT (8.1%, 2.6%, 3.8% or 0%) per line item and numbers invoices automatically.

Send and remind

Send the invoice by email; if it's overdue, payment reminders go out automatically.

Match payments

Connect your bank account or import your statement as CSV or Excel and see which invoice is paid.

Create a Swiss QR-bill with the Magic Heidi app on a smartphone
FAQ

Common questions about the Swiss QR-bill

How do I create a QR-bill for free?

With the generator at the top of this page: enter your address and IBAN, add the client and the service, download the PDF. No signup, and it works with any Swiss IBAN. If you only need the QR code for an existing invoice, upload your PDF in the second tool.

Do I need a QR-IBAN?

No. You only need a QR-IBAN if you work with the 27-digit QR reference, which is for automatic payment matching in accounting software. In every other case, the normal IBAN your bank already gave you is enough.

Can I use a foreign IBAN, for example from my bank back home?

No. The QR-bill only accepts IBANs starting with CH or LI. If you get paid to a foreign account, send an invoice without a QR payment part and write IBAN, BIC and account holder in plain text.

Is the QR-bill mandatory?

There's no legal obligation. But the orange and red payment slips haven't been processed since 1 October 2022, and the QR payment part replaced them. Without a payment part, you give IBAN and account holder in plain text and your client enters the transfer by hand.

Does the free generator store my data?

Your entries are sent to a server in Zurich to create the PDF. The download link is valid for 1 hour, so download your PDF straight away and keep it yourself.

Can I create a QR-bill without an amount?

The standard allows it, for donations for example: the payer enters the amount. The generator on this page is built for invoices and needs an amount and a payer, so it doesn't create blank slips. Slips without an amount are made in your bank's tool, for example at UBS or Raiffeisen.

How do I create a QR-bill with UBS, PostFinance or Raiffeisen?

UBS has its QR portal, free and without login, for UBS and Credit Suisse accounts. PostFinance offers its QR generator on the website and in e-finance, Raiffeisen a QR-bill generator; at ZKB you order QR payment parts in eBanking. These tools mostly create the payment part and work for that bank's accounts. The generator on this page works with any Swiss IBAN.

Does it work if I'm not VAT-registered?

Yes. The QR payment part has nothing to do with VAT. If you're not in the VAT register, leave VAT switched off in the generator and show no tax on the invoice.

Can I invoice in euros, and what about clients abroad?

The standard allows CHF and EUR; for euros, use your normal IBAN, not the QR-IBAN. For USD or GBP, send an invoice without a payment part. Clients abroad often can't scan the code with their banking app, so also write IBAN, BIC and your address on the invoice in plain text.

How does my client pay a QR-bill?

They open their banking app, choose "Scan QR code" and point the camera at the code. All payment details are filled in; they only confirm. The payment part also works at the post office counter. The payer's guide: paying a QR-code invoice.

What's the difference between an IBAN and a QR-IBAN?

A QR-IBAN has an institution ID between 30000 and 31999 in positions five to nine. You only need it for the 27-digit QR reference. With a normal IBAN the QR-bill works just the same, without a reference or with a SCOR reference.

What's the difference between a QR-bill and eBill?

A QR-bill is a PDF or paper invoice with a payment part your client scans. eBill delivers the invoice straight into the recipient's e-banking, but requires registration with the eBill network. For a freelancer with a few clients, the QR-bill is the simpler route.

Can I still create an orange or red payment slip?

No. They haven't been processed since 30 September 2022 and can no longer be ordered. Their replacement is the QR payment part, which you create with the generator above (tick "QR Slip Only" if you only need the slip).

Your next QR-bill, without retyping

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