If you have paid an invoice in Europe recently, you have probably pointed your banking app at a small square and watched it fill in the payee, the IBAN and the amount by itself. I run ibanchecker.cash and I spent the last few weeks on both sides of those squares: generating them and reading them back. The format turned out to be far simpler than most people expect, and a couple of its rules surprised me even after years around IBANs.
What is actually in there
The standard is EPC069-12, published by the European Payments Council. German banks market the result as a GiroCode. There is no binary framing and no JSON. The payload is plain text, twelve elements separated by line breaks. This is the exact content of the code on the cover image:
Webajans Bilisim Ltd
DE89370400440532013000
