I mean if you get it in a mail and then use a qr code reader you should be able to skip the decode step if the qr code contents were included directly as a link. If the code does not contain a link, then using a qr code reader won’t help I think, and there will be no way to forward it to the correct banking app.

Look if you can directly share the image with your banking app.

Or see if the qr code scanner in your banking app can open a local image file.

They can’t even be bothered to add the link to the mail?