ValidateFin

Swiss QR-bill — normal IBAN with an ISO 11649 (SCOR) reference

The other half of the pairing rule: a normal IBAN (institution ID 00791, outside the QR-IID range) FORBIDS a QR reference and takes an ISO 11649 creditor reference (SCOR) — RF6518539007547034 — or none at all. Same bill, other account type, other reference: this is the distinction that decides whether a Swiss payment can be booked.

Swiss IG 2.3 / 2.4 — Valid

The other half of the pairing rule: a normal IBAN (institution ID 00791, outside the QR-IID range) FORBIDS a QR reference and takes an ISO 11649 creditor reference (SCOR) — RF6518539007547034 — or none at all. Same bill, other account type, other reference: this is the distinction that decides whether a Swiss payment can be booked.

Payment QR code (EPC / Swiss QR-bill) Swiss IG 2.3 / 2.4 Swiss QR-bill — SIX Implementation GuidelinesExpected result: Valid

What this file shows

The other half of the pairing rule: a normal IBAN (institution ID 00791, outside the QR-IID range) FORBIDS a QR reference and takes an ISO 11649 creditor reference (SCOR) — RF6518539007547034 — or none at all. Same bill, other account type, other reference: this is the distinction that decides whether a Swiss payment can be booked.

TotalCHF 1,949.75
SchemeSCOR
Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

SPC
0200
1
CH5800791123000889012
S
Robert Schneider AG
Rue du Lac
1268
2501
Biel
CH







1949.75
CHF
S
Pia-Maria Rutschmann-Schnyder
Grosse Marktgasse
28
9400
Rorschach
CH
SCOR
RF6518539007547034
Auftrag vom 08.07.2026
EPD

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

Payment QR code (EPC / Swiss QR-bill)

All sample fileshttps://validatefin.com/samples/qr/swiss-qr-bill-iban-scor.txt