UPI QR · Bank account
UPI QR Code for a Bank Account
Every UPI payment lands in a bank account. Use the UPI ID linked to that account, or if you only have the account number and IFSC, the generator can build a code from those instead.
This uses UPI's bank-account address (account@IFSC.ifsc.npci). Most UPI apps accept it, but test it with a ₹1 payment from a different phone before you print. If you have a UPI ID, use that instead.
Logo in the middle (optional)
Stays on your device. Square logos look best.
Standee colour
Everything happens in your browser. We don't see or store your UPI ID, and the code works with every UPI app for as long as your UPI ID does.
Enter your account number and IFSC and your code appears here.
Want to know who paid?
A UPI Payment Form code asks for a name or invoice number before the UPI app opens, so every payment arrives with a reference.
See the Payment Form QRHow to make it
- Step 1
Choose how to identify the account
Pick "UPI ID" if the account is linked to a UPI app, or "Account + IFSC" if it isn't.
- Step 2
Enter the details
For bank details, type the account number and the branch's 11-character IFSC, which is printed on your chequebook and passbook.
- Step 3
Add the account holder's name
Payers see it before confirming, so use the name on the account.
- Step 4
Test with ₹1 before printing
Pay ₹1 from a different phone and confirm it reaches the right account.
UPI ID or account number: which to use
If the account is linked to any UPI app, use its UPI ID. It's the standard way to receive money, every app handles it, and the payer sees your verified name.
If the account isn't linked to UPI (a second current account, a trust or society account), the generator uses UPI's bank-account address instead: the account number and IFSC written as account@IFSC.ifsc.npci. Most UPI apps accept it, but not every app treats it the same way, which is why the ₹1 test matters.
How to find which bank account a UPI ID pays into
In your UPI app, open your profile and look at the bank accounts listed. Each one has its own UPI ID, and the one marked as primary is used for receiving by default. If you want money in a different account, pick that account's UPI ID for your QR code.
Common uses
- Society maintenance and association fees collected into the society's own account.
- Schools, coaching classes and trusts that receive fees into a current account.
- Freelancers who keep business payments separate from their personal account.
Stay safe with UPI QR codes
- You never scan a QR code or enter your UPI PIN to receive money. Anyone asking you to do that is trying to take money, not send it.
- Check that the money arrived in your bank app or SMS, not on a screenshot the customer shows you. Screenshots are easy to fake.
- Look at your printed code now and then. A common trick is sticking a different QR code over a shop's real one.
Frequently asked questions
Can I make a UPI QR code without a UPI ID?
Yes, from the account number and IFSC. The code uses UPI's bank-account address (account@IFSC.ifsc.npci). Most UPI apps accept it, but test with ₹1 before printing because support varies between apps.
Where do I find my IFSC code?
It's printed on your chequebook and passbook, shown in your net banking, and listed on the RBI website for every branch. It is 11 characters, such as SBIN0001234.
Is it safe to put my account number on a QR code?
An account number and IFSC only let people send money to you, not take it. They are the same details you'd write on an invoice for a bank transfer.
Whose name does the payer see?
Most apps show the name registered with the bank for that account or UPI ID, which is why the name you type should match it.