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General information about SEPA

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.
CountryCategoryAccess to SEPA
Andorra—✔︎
AustriaEU✔︎
BelgiumEU✔︎
BulgariaEU✔︎
CroatiaEU✔︎
CyprusEU✔︎
The Czech RepublicEU✔︎
DenmarkEU✔︎
EstoniaEU✔︎
FinlandEU✔︎
GreeceEU✔︎
HungaryEU✔︎
IcelandEFTA✔︎
IrelandEU✔︎
ItalyEU✔︎
KosovoEU candidate✗
LatviaEU✔︎
LiechensteinEFTA✔︎
LithuaniaEU✔︎
LuxembourgEU✔︎
MaltaEU✔︎
Monaco—✔︎
MontenegroEU candidate✗
NorwayEFTA✔︎
PolandEU✔︎
PortugalEU✔︎
RomaniaEU✔︎
San Marino—✔︎
SlovakiaEU✔︎
SloveniaEU✔︎
SpainEU✔︎
SwedenEU✔︎
SwitzerlandEFTA✔︎
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.

CountryTerritoryAccess to SEPA
CyprusNorthern Cyprus✗
DenmarkFaroe Islands, Greenland✗
NorwaySvalbard, Jan Mayen✗
United KingdomBritish Overseas Territories✗

For more information about SEPA, see here: