SEPA Members Countries

SEPA is a European payment rail, enabling banks and Fis to facilitate their clients payments in EUR within EEA member states (with some exceptions). SEPA was established for the purpose of unifying cross-border Euro transactions across participating countries. You can read more about SEPA in the following article

Countries in the SEPA Zone

SEPA currently includes 36 countries, covering both EU member states and a number of non-EU territories that have adopted SEPA standards.

EU Member States:
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Non-EU Countries and Territories:
Andorra
Iceland
Liechtenstein
Monaco
Norway
San Marino
Switzerland
United Kingdom*
Vatican City

💡 Note: The UK remains part of the SEPA scheme despite its exit from the European Union.

What This Means for You

If you or your business operates in any of the above regions, you can send and receive Euro payments through SEPA with lower costs and faster processing times compared to traditional international transfers.

All SEPA payments must be made in Euros and include a valid IBAN. Transfers between SEPA countries follow a unified set of rules, ensuring consistency and reliability across borders.

Need help with SEPA payments or setting up your Euro account? Our team is here to support you every step of the way.