Raiffeisen and the QR-bill (independent guide): creating a QR-bill, finding your QR-IBAN, the structured address

The summary below comes from Raiffeisen's page “QR-facture pour les entreprises” (QR-bill for businesses) and from its generator, read in French on 10 and 11 November 2026; the wording is ours, translated from the French. Raiffeisen often refers to “your Raiffeisen bank”, meaning the local Raiffeisen bank where you hold your account: it provides the QR-IBAN and the pre-printed slips, and it is the one to ask about conditions.

Raiffeisen's QR-bill generator is a public page of its website (raiffeisen.ch/qr-rechnung/fr.html), in French, German and Italian. Raiffeisen writes that it creates one or several QR-bills, for printing or sending by e-mail. When we read the form on 10 November 2026, it asked for the IBAN, the name, street, number, postcode, town and country in separate fields, then the currency, the amount, a message and a reference; the payer's address was optional. You then chose the QR payment part alone or on an A4 page, the language of the slip (German, French, Italian or English) and the separation line: with scissors for a PDF sent by e-mail, without a line for a slip which, according to Raiffeisen, must be printed on white perforated paper.

Raiffeisen presents the generator as a self-service tool: entering complete and correct data is the user's sole responsibility, and wrong or missing data can lead to payments being refused. The tool makes the QR payment part (receipt and payment part), not the complete invoice with its lines and VAT. On the pages we read, Raiffeisen shows no price and does not say whether it is reserved for its customers.

Raiffeisen's generator and Fele-facture are two separate tools. Fele-facture's free generator also makes the payment part in the structured format (type S) from the name, postcode, town and IBAN (amount optional), with a Raiffeisen IBAN as with any Swiss bank, without an account. If you invoice every week, with quotes, VAT, numbering and reminders, invoicing software saves you retyping everything: the Fele-facture app creates the QR-bill by voice or from a photo of a work report, from the Independent plan (CHF 15 a month).

According to Raiffeisen, your Raiffeisen bank provides your QR-IBAN directly; it is visible in your e-banking and confirmed to you in writing. On its QR-bill page, Raiffeisen does not say in which e-banking menu it appears, nor whether there are fees: ask your Raiffeisen bank.

A QR-IBAN is not required for a QR-bill: Raiffeisen also lists the variants IBAN without reference and IBAN with Creditor Reference. What sets the QR-IBAN apart from a normal IBAN, Raiffeisen writes, is its QR-IID, a specific identifier of the institution. The difference, when it is worth having and how to recognise one: our QR-IBAN guide.

1. Check which type the QR-bill is. The free QR-bill checker reads the QR code (camera, photo or PDF) and shows S or K, without sending anything.

2. If it is K, ask the issuer for a new QR-bill in the structured format (type S), for the same amount: since 22 November 2025, version 2.3 of the SIX QR-bill guidelines has only allowed type S in a new QR-bill. On the pages we read on 10 and 11 November 2026, Raiffeisen gives no end date for paying the old format; other banks have set one (UBS, for example, has refused it since 1 October 2026: UBS and the QR-bill). The dates of each bank are on our page QR-bill dates bank by bank.

3. If it is S and the payment is still refused, the cause probably lies elsewhere: Raiffeisen points out that the QR reference can only be used with a QR-IBAN; also check line 21 (the payer's address, if it is filled in). If in doubt, contact your Raiffeisen bank.

According to SIX, version 2.4 of the QR-bill guidelines is valid from 14 November 2026, and from that day the structured (or hybrid) address is the rule for all payments under the Swiss Payment Standards; in the QR-bill itself, only the structured address is allowed. SIX also states that the SIC release of 13 November 2026 waives address validation, and that payment orders with unstructured addresses may still be received.

Raiffeisen advises checking the data and the QR code before sending QR-bills, and names four ways: its MobileSCAN app in test mode, the SIX validation platform, the official grid to check where the QR code sits on a printed slip, and a test invoice addressed to yourself.

If your invoices come from a Word or Excel template or old software (our examples, not Raiffeisen's), do the line-5 test on a recent invoice. Do it also on any old pre-printed slips you still have: line 5 must read S.

Scan the QR code of the invoice with an app that shows the text of the code (not a bank's app). The text starts with “SPC”, “0200”, “1”, then the IBAN. Line 5 is a single letter: S, structured address, the invoice is compliant; K, combined address, the old format, the payment part has to be redone. If the payer's address is in the QR code, line 21 gives its address type and must also read S; if it is empty, the payment part carries no payer address, which is allowed.

Fele-facture's checker does this test for you, in the browser, without sending or storing anything; it is also a good check for a PDF made with Raiffeisen's generator.

This section is for businesses that send payment files from accounting software, not for paying a QR-bill in e-banking. According to Raiffeisen (French page read on 10 November 2026), the transition period for moving to the 2019 version of the ISO 20022 standard runs until 13 November 2026; from that date, the 2009 version is no longer supported, and payments and account information in the old format can no longer be processed. Raiffeisen advises checking with your software provider whether a migration is planned, agreeing the switch of camt reports to the 2019 version with your corporate client adviser and, if you use EBICS, moving to EBICS 3.0 first.

Fele-facture has no link to Raiffeisen: the app creates the invoice, and the payment goes through your customer's bank. Fele-facture QR-bills carry address type S in line 5: the library that builds the QR code (swissqrbill) writes no other type. The QR payment part is included from the Independent plan (CHF 15 a month) or during the 14-day trial; the Free plan produces invoices without a QR payment part.

With a normal Raiffeisen IBAN, the invoice goes out without a reference or with an RF reference. With a Raiffeisen QR-IBAN, each invoice gets a QR reference built from its number. On its QR-bill page, Raiffeisen mentions no reference prefix set by the bank; if your bank gives you one, enter it in Settings › My business, in the field for the reference prefix set by your bank (optional), which appears as soon as a QR-IBAN is entered.

From the Independent plan, “Payments received” reads, on your device, a camt.053/054 or CSV statement exported from your e-banking and suggests which invoices have been paid: it is not a connection to the bank.