General information about SEPA

The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro.

SEPA allows for transactions to be carried out in Euros (EUR) between countries in the SEPA-zone. SEPA is fast, reliable, and cheap for clients to use that are located in the SEPA-zone and/or have access to bank accounts within the SEPA-zone.

SEPA consists of 34 countries: the 28 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland), Monaco, and San Marino.

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 Access to SEPA
Austria ✔︎
Belgium ✔︎
Bulgaria ✔︎
Croatia ✔︎
Cyprus ✔︎
The Czech Republic ✔︎
Denmark ✔︎
Estonia ✔︎
Finland ✔︎
France ✔︎
Germany ✔︎
Greece ✔︎
Hungary ✔︎
Iceland ✔︎
Ireland ✔︎
Italy ✔︎
Latvia ✔︎
Liechenstein ✔︎
Lithuania ✔︎
Luxembourg ✔︎
Malta ✔︎
Monaco ✔︎
Norway ✔︎
Netherlands ✔︎
Poland ✔︎
Portugal ✔︎
Romania ✔︎
San Marino ✔︎
Slovakia ✔︎
Slovenia ✔︎
Spain ✔︎
Sweden ✔︎
Switzerland ✔︎
United Kingdom ✔︎


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

For more information about SEPA, see here: