How will the arrival of QR-bills impact your monthly personal loan payments?

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QR-bills will replace orange and red payment slips

Many of you have been receiving QR bills for some time. These QR bills will replace the orange and red payment slips as of September 30, 2022.

Indeed, from October 1st, 2022, these payment slips will disappear entirely and it will no longer be possible to pay your monthly private credit installments with them.

The QR-bill is a new and efficient alternative, as it will be easier and faster to enter your bills. As far as your preferred payment channel is concerned, you don’t have to worry about it because it will be possible to pay at the post office counter with your Mobile Banking application or by e-banking.

How do QR bills work ?

Simple, fast, and efficient!

The most suitable way is to scan the QR code with your phone via Mobile Banking. You can also do it from a computer using an optical reader. This way, the payment information for your private loan will be displayed automatically in your e-banking and you will not have to enter it manually.

Here is an example of a QR-bill

QR-bills are composed of two sections:

  • The receipt

This part contains the main information of the payment section. Once the invoice is paid, it will be the proof of payment.

  • The payment section

This section contains the information needed to proceed with the payment. You will also find a QR code in which all the payment information is digitally integrated, such as the name of your bank, your address, and the amount of your monthly credit payment.


Figure 1: Example of the QR-invoice – fictitious customer

Is it still possible to enter the payment information manually?

From a computer via e-banking or from your phone with Mobile Banking, you can do so in 5 steps:

  1. Enter the IBAN
  2. Enter the name and address of the bank with which you have taken out a consumer credit
  3. Mention the reference number
  4. Enter the amount to be paid which corresponds to your monthly personal loan payment
  5. Mention any communication if indicated

You can also pay QR bills at your bank or post office. As with payment slips, you will be given the receipt as proof of payment.

However, don’t forget to replace your standing order. All standing orders based on a red or orange payment slip must also be changed and corrected with the new references found on the QR bill.


The introduction of QR bills will have no impact on your credit contract, the number of your monthly payments, or the amount of your credit. It is only the payment method that will change. You can find more information about the introduction of QR bills here.

MultiCredit guides you to good practice when it comes to paying your monthly installments

With our simplified procedures and sound advice, you’ll be able to realize your plans by getting the ideal financing. You can easily estimate your budget with our calculator.

Choosing MultiCredit means opting for :

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Don’t hesitate to contact our consumer credit experts for more information and to finance your project.

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The article was written by Enver Kutlu and Ivan Popovic

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