Two IBANs on the invoice – not a mistake
We occasionally receive calls regarding a supposed error on our invoices: the QR code contains a different IBAN to the number for manual bank transfers.
This is not an oversight, but is precisely as intended by the Swiss payment standard. Both numbers belong to the same account – the difference lies in their function:
- QR-IBAN (in the QR code): Is linked to a fixed reference number. This ensures your payment is automatically allocated to the correct invoice – no queries, no manual effort required.
- Standard IBAN: Use this if you’re transferring the amount manually and don’t want to type in the long reference code.
In short:
- If you scan the QR code → use the QR-IBAN.
- If you’re making a manual transfer → the standard IBAN is sufficient.
In both cases, your money will reach the same destination.
Further information:
- Technical definition: SIX as the official standards body
- Quick guide: UBS – Frequently asked questions about QR invoices
As always, we’re happy to help
if you have any questions.
Your PC CADDIE team
