QR-IBAN + QR reference
Swiss method with a 27-digit reference.
QR-IBAN explained
QR-IBAN or IBAN for a QR invoice?
Choose the account that matches QR, SCOR or an unstructured message.
Create QR invoiceQR-IBAN or IBAN for a QR invoice?
The reference type determines whether a normal IBAN or QR-IBAN is required.
A QR reference requires a QR-IBAN; SCOR under ISO 11649 uses a normal IBAN.
Key points
IBAN + SCOR
International creditor reference.
IBAN + message
Payment without a structured reference.
How to proceed
- 1
Check the IBAN type.
- 2
Choose the matching reference.
- 3
Verify the QR invoice data.
Frequently asked questions
Is every Swiss IBAN a QR-IBAN?
No, it is assigned specifically by the bank.
Can QR reference be used with IBAN?
No, it requires QR-IBAN.
What can I use without QR-IBAN?
IBAN with SCOR or a message.
Specialist source: SIX – Swiss Payment Standards. This is general information, not tax or legal advice.
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