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ZBP: the Polish 2D payment code

The ZBP code is the 2D payment code recommended by the Polish Bank Association (Związek Banków Polskich). It stores the recipient's account, the amount in grosze, the name and the transfer title as one line of text in a QR code. Support differs between Polish banking apps.

Last updated 7 November 2026

At a glance

Country
Poland
Currency
PLN
Defined by
Polish Bank Association (Związek Banków Polskich)
Barcode
QR code
Content
Nine fields separated by a vertical bar

Make a ZBP code in Scanay

Pick the country, fill in the details, and Scanay checks every field as you type and draws a code that banking apps can read.

  • Share it by link, embed it on a page, send it by e-mail or download it
  • One place for all seven standards, with the right fields for each country
  • Included in the free trial and in the subscription
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You need a Scanay account to make codes. No card to start.

What is inside a ZBP code

The text has nine fields separated by |. The last three are reserved and stay empty.

NIP
The recipient's tax ID, ten digits. It is optional.
Country
Always PL.
Account
The 26-digit NRB, the part of the Polish IBAN after PL.
Amount
In grosze, at least six digits, so 199.00 is 019900.
Name and title
The recipient name (20 characters) and the transfer title (32 characters).

Details that often go wrong

  • Not every Polish banking app reads the code. Test with the apps your customers use.
  • The vertical bar is the separator, so it is removed from names and titles.
  • The format counts in grosze, not zloty. Do not write a decimal point.

Using it in your Shopify store

Scanay makes the code for every order automatically and puts it into your Shopify order e-mails, so you never type these details yourself. It picks the right standard from the country of the order.

The setup guide takes about ten minutes, or start the free trial.

Questions

Do I need a NIP?

No. It is optional. Fill it in if you want the recipient's tax ID in the code.

Why does my banking app not read the code?

Support for the code is not universal. Check the app, and offer the account number and title in text as well.

Other standards

  • UPN QR: The QR code on Slovenian payment slips, read by Slovenian banking apps.
  • HUB3: The PDF417 barcode on Croatian payment slips, read by Croatian banking apps.
  • QR Platba: The short, readable QR code for Czech bank transfers, supported by Czech banking apps.
  • PAY by square: The compressed QR code used for Slovak bank transfers and invoices.
  • MNB QR: The payment QR code defined by the Hungarian central bank, with a validity date.
  • EPC QR: The European QR code for SEPA credit transfers in euro, also known as GiroCode.

Scanay is not affiliated with the organisations that define these standards. The descriptions summarise their public specifications; check the specification itself for binding details.

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