Which countries are a part of SEPA?

SEPA (Single Euro Payments Area) consists of countries where individuals and businesses can make and receive euro payments across borders under the same basic conditions, rights, and obligations. SEPA includes:

EU Member States

1. Austria
2. Belgium
3. Bulgaria
4. Croatia
5. Cyprus
6. Czech Republic
7. Denmark
8. Estonia
9. Finland
10. France
11. Germany
12. Greece
13. Hungary
14. Ireland
15. Italy
16. Latvia
17. Lithuania
18. Luxembourg
19. Malta
20. Netherlands
21. Poland
22. Portugal
23. Romania
24. Slovakia
25. Slovenia
26. Spain
27. Sweden

EEA Member States (European Economic Area)

1. Iceland
2. Liechtenstein
3. Norway

Non-EU Territories and Countries

1. Switzerland
2. Monaco
3. San Marino
4. Andorra
5. Vatican City

Territories Specially Included

Some non-EU territories of EU countries are also part of SEPA, such as:

1. Guernsey
2. Isle of Man
3. Jersey
4. Mayotte
5. Saint Pierre and Miquelon

These regions are included because their local currency is tied to the euro or they are connected to the EU banking system.