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.
A map of the SEPA member states can be found below.
By Know-World - Own work, CC BY-SA 3.0, Link
| 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 | ✔︎ |
| France | EU | ✔︎ |
| Germany | EU | ✔︎ |
| Greece | EU | ✔︎ |
| Hungary | EU | ✔︎ |
| Iceland | EFTA | ✔︎ |
| Ireland | EU | ✔︎ |
| Italy | EU | ✔︎ |
| Kosovo | EU candidate | ✗ |
| Latvia | EU | ✔︎ |
| Liechenstein | 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 |
✗ |
| France | French Southern and Antarctic Lands, French Polynesia, New Caledonia, Wallis and Futuna |
✗ |
| Netherlands | Aruba, Caribbean Netherlands, Curaçao, Sint Maarten |
✗ |
| Norway | Svalbard, Jan Mayen |
✗ |
| United Kingdom | British Overseas Territories | ✗ |
For more information about SEPA, see here: