In Australia, Beaufort Fiduciaries Pty Ltd (ACN 162 139 871, AFSL No. 545124) provides wholesale clients with access to derivatives where the underlying assets are digital assets. Derivatives are complex, regulated financial products that are difficult to understand and may not be suitable for inexperienced investors. For eligibility, terms and conditions click here. Krak Pay is offered by Bit Trade Australia Pty Ltd (ACN 163 237 634), Authorised Representative of Flexewallet Pty Ltd (AFSL 448066). This information is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you and read the relevant disclosure documents before making any decision.

General information about SEPA

Last updated: July 1, 2026
Prevent deposit delays

If required and shown in the deposit instructions, make sure your deposit includes a reference to your Kraken Public account ID which starts with AA and is 16 characters long.

The Single Euro Payments Area (SEPA) is an initiative of the European Union that allows for fast, reliable and cheap e-transfers between bank accounts in the SEPA-zone.

SEPA consists of 36 countries:

  • •

    the 27 member states of the European Union,

  • •

    the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland),

  • •

    Andorra,

  • •

    United Kingdom,

  • •

    Monaco,

  • •

    San Marino,

  • •

    Vatican City.

Country

Category

Access to SEPA

Andorra

—

✔︎

Austria

EU

✔︎

Belgium

EU

✔︎

Bulgaria

EU

✔︎

Croatia

EU

✔︎

Cyprus

EU

✔︎

The Czech Republic

EU

✔︎

Denmark

EU

✔︎

Estonia

EU

✔︎

Finland

EU

✔︎

Greece

EU

✔︎

Hungary

EU

✔︎

Iceland

EFTA

✔︎

Ireland

EU

✔︎

Italy

EU

✔︎

Kosovo

EU candidate

✗

Latvia

EU

✔︎

Liechtenstein

EFTA

✔︎

Lithuania

EU

✔︎

Luxembourg

EU

✔︎

Malta

EU

✔︎

Monaco

—

✔︎

Montenegro

EU candidate

✗

Netherlands

EU

✔︎

Norway

EFTA

✔︎

Poland

EU

✔︎

Portugal

EU

✔︎

Romania

EU

✔︎

San Marino

—

✔︎

Slovakia

EU

✔︎

Slovenia

EU

✔︎

Spain

EU

✔︎

Sweden

EU

✔︎

Switzerland

EFTA

✔︎

United Kingdom

—

✔︎

Vatican City

—

✔︎


All parts of a country are normally part of SEPA, but some countries have special territories which are not part of SEPA.

Country

Territory

Access to SEPA

Cyprus

Northern Cyprus

✗

Denmark

Faroe Islands,
Greenland

✗

Norway

Svalbard,
Jan Mayen

✗

United Kingdom

British Overseas Territories

✗


For more information about SEPA, see here:

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