I am wondering if there is already an RFC for this, and if not if one is needed.
The idea is a URI / URL that identifies a bank account, and maybe a bit more relating to a specific payment...
What I would suggest is something like
Which would identify a bank account. Useful to share as a bank reference to set up new payee, etc.
I suspect it needs some extra, including a payment reference and amount, eg.
I am sure an RFC can be made for this. With the number of payment apps and new style bank accounts, this would be a useful feature for on-line banking payments. Avoiding retyping of bank details is important and useful.
I'd hope that on a phone it would say "Pay this from Monzo / Starling / Barclays / Lloyds" as a choice for the banking apps I have.
Is that a good idea?
It almost certainly needs, in addition to the IBAN itself, a number of optional tagged fields such as payee name, reference, amount, or some such.
Payment it should be pay:
P.S. Someone suggested EPC069-12 which is interesting, but to be honest a simple URL coded in a QR code sounds way more sensible.
If someone has experience making RFCs, let me know. I made a start (here).