Slovenia

ISO SI · 3 schemes

Summary

UPN QR is Slovenia's national payment QR code standard, introduced April 3, 2017
Slovenia has a unique QR format incompatible with standard European EPC QR codes
Flik is the national instant payment system for P2P and merchant payments
All major Slovenian banks support UPN QR scanning in their mobile apps
Banking market is a duopoly: NLB (~31%) and OTP/Nova KBM (~31%) dominate

Banking landscape

Central Bank

Name: Banka Slovenije (Bank of Slovenia)
Website: https://www.bsi.si/

Major Banks (2024)

Rank	Bank Name	Total Assets (EUR)	Market Share	Parent Group
1	Nova Ljubljanska Banka (NLB)	~17,000 M	31.14%	NLB Group (Slovenia)
2	OTP banka d.d. (formerly Nova KBM + SKB)	16,750 M	30.73%	OTP Bank (Hungary)
3	Banca Intesa Sanpaolo	4,062 M	7.45%	Intesa Sanpaolo (Italy)
4	UniCredit Banka Slovenija	3,702 M	6.79%	UniCredit (Italy)
5	Addiko Bank	~1,500 M	~3%	Addiko Group
6	Gorenjska Banka	~1,200 M	~2%	AIK Banka (Serbia)

Market Structure: 12 banks (7 domestic, 5 foreign-owned) Concentration: Top 2 banks hold ~62% of the market (effective duopoly)

Banking Association

Name: Združenje bank Slovenije (ZBS) - Bank Association of Slovenia
Website: https://www.zbs-giz.si/
Role: Defines payment standards including UPN QR

Payment infrastructure

National Payment Systems

System	Operator	Type	Status
BIPS (Bankart Interbank)	Bankart	Batch clearing	Active
BIPS-IP	Bankart	Instant payments	Active (Q1 2020)
Flik	All banks via Bankart	P2P/P2M instant	Active (Q2 2020)
TIPS	ECB/Eurosystem	Pan-European instant	Connected

BIPS-IP (Instant Payments)

Operator: Bankart (national payment processor)
Components:
- BIPS-IP for commercial interbank instant payments
- Flik for P2P instant payments
- Flik for P2M (Point of Sale) payments
Max Amount: EUR 15,000 per transaction
Coverage: 24/7/365

Flik

Type: National instant payment scheme
Developed by: 15 Slovenian commercial and savings banks + Bankart
Catalyst: Banka Slovenije
Features:
- P2P transfers using mobile number or email
- POS payments via QR code or NFC
- Real-time settlement (seconds)
- Cross-bank interoperability
- No transaction fees

SEPA Compliance

SEPA Credit Transfer: Full compliance
SEPA Instant (SCT Inst): Full compliance via TIPS
Cross-border: All Slovenian banks are direct TIPS participants

QR code standards

UPN QR (Primary Standard)

Attribute	Value
Standard Name	UPN QR (Univerzalni Plačilni Nalog QR)
Barcode Type	QR Code (ISO 18004)
Operator	Bank Association of Slovenia (ZBS)
Introduced	April 3, 2017
Migration Completed	April 3, 2018
Use Case	All domestic payment slips and invoices
Adoption	100% of Slovenian banks

Technical Specifications

QR Version: V15
Encoding Mode: Binary
Error Correction: ECC_M
Character Set: ECI ISO-8859-2
Max Capacity: 411 characters

Data Structure

Field	Max Length	Required	Format/Regex
Lead	5	Yes	"UPNQR" header
Payer IBAN	19	No	SI IBAN no spaces
Deposit	1	Yes	"Y" or "N"
Withdrawal	1	Yes	"Y" or "N"
Payer Reference	26	No	Model + reference
Payer Name	33	No	ISO 8859-2
Payer Street	33	No	ISO 8859-2
Payer Place	33	No	ISO 8859-2
Amount	11	Yes	Leading zeros (e.g., 00000012350)
Payment Date	10	No	DD.MM.YYYY
Urgency	1	No	"Y" or "N"
Purpose Code	4	Yes	^[A-Z]{4}$ (e.g., OTHR)
Payment Purpose	42	No	Free text
Payment Deadline	10	No	DD.MM.YYYY
Recipient IBAN	19	Yes	SI IBAN no spaces
Recipient Reference	26	Yes	^[A-Z]{2}[0-9-]{1,24}$
Recipient Name	33	Yes	ISO 8859-2
Recipient Street	33	Yes	ISO 8859-2
Recipient Place	33	Yes	ISO 8859-2
Checksum	3	Yes	Control digits
Reserve	Variable	No	Up to capacity limit

Reference Format

Model: 2-letter prefix (e.g., SI00, SI99, RF)
Reference: Up to 24 characters (digits and dashes)
Examples:
- SI00 1234567890
- SI99 123-456-789
- RF18 5390 0754 7034

Sample QR Content

UPNQR
SI56012345678901234

N
N


JANEZ NOVAK
SLOVENSKA CESTA 1
1000 LJUBLJANA
00000012350

N
OTHR
PLACILO RACUNA 12345

SI56029876543210987
SI00 1234567890-2025
PODJETJE D.O.O.
TRZASKA ULICA 10
1000 LJUBLJANA
123

EPC QR (Secondary/Cross-border)

Attribute	Value
Type	QR Code
Standard	EPC 069-12
Use Case	Cross-border SEPA payments, fintech apps
Compatibility	Revolut, N26, Bunq, other EU neobanks

Note: UPN QR and EPC QR are not compatible. Converters exist (e.g., upn-epc-qr.si) to translate between formats.

Mobile payment apps

App Name	Bank	UPN QR Scan	Flik P2P	Flik POS	NFC Pay
NLB Klik	NLB	Yes	Yes	Yes	Yes
NLB Pay	NLB	Yes	Yes	Yes	Yes
MOJ@SKB / OTP	OTP banka	Yes	Yes	Yes	Yes
Intesa Sanpaolo Mobile	Intesa	Yes	Yes	Yes	Yes
UniCredit Mobile	UniCredit	Yes	Yes	Yes	Yes

Key Features (All Major Apps)

Scan and Pay: UPN QR code scanning
Flik Integration: P2P transfers via phone/email
Flik Pay: QR code payments at POS
NFC Payments: Contactless (Android)
Push Notifications: Transaction confirmations

NLB Klik Highlights

Most downloaded banking app in Slovenia
QR code payment shortcut
Repeat payment feature
Multi-account management

Third-party payment apps

App Name	Type	UPN QR	EPC QR	Flik	Bank Integration
Flik Pay (standalone)	Instant P2P/POS	Yes	No	Yes	All Slovenian banks
Revolut	Neobank	No	Yes	No	Via SEPA
N26	Neobank	No	Yes	No	Via SEPA
Google Pay	NFC Wallet	No	No	No	Limited banks
Apple Pay	NFC Wallet	No	No	No	All major banks

Interoperability Issue

Slovenian banks use UPN QR while European neobanks use EPC QR. Conversion tools are available but not seamless.

Schemes

Scheme	Type	Symbology	Adoption	Technical standard
UPN QR	Payment QR	QR Code	100%	`upn-qr`
Flik QR	Payment QR	QR Code	All banks	`flik`
EPC QR	Payment QR	QR Code	Secondary	`epc-qr`

Sources

Full country report

SI-slovenia.md

Schemes

Standards

Primary · 2

Mentioned · 3