General information about SEPA

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

SEPA consists of 36 countries:

  • the 28 member states of the European Union
  • the 4 member states of the European Free Trade Association (Iceland, Liechtenstein, Norway, and Switzerland)
  • Andorra,
  • Monaco,
  • San Marino,
  • Vatican City.

A map of the SEPA member states can be found below. 

Location of SEPA

 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
Norway EFTA ✔︎
Netherlands EU ✔︎
Poland EU ✔︎
Portugal EU ✔︎
Romania EU ✔︎
San Marino ✔︎
Slovakia EU ✔︎
Slovenia EU ✔︎
Spain EU ✔︎
Sweden EU ✔︎
Switzerland EFTA ✔︎
United Kingdom EU ✔︎
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,
France French Southern and Antarctic Lands,
French Polynesia,
New Caledonia,
Wallis and Futuna
Netherlands Aruba,
Caribbean Netherlands,
Sint Maarten
Norway Svalbard,
Jan Mayen
United Kingdom British Overseas Territories

For more information about SEPA, see here: