The SEPA area comprises the 27 EU Member States, the EEA countries Iceland, Liechtenstein and Norway, and the following additional participating countries: Albania, Andorra, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Switzerland, the United Kingdom and Vatican City (Holy See).


SEPA payments are exclusively utilized for transactions denominated in euros. Consequently, the proportion of customers accessible via SEPA payments differs from one country to another.



Eurozone countries include:


  • Andorra
  • Austria
  • Belgium
  • Cyprus
  • Croatia
  • Estonia
  • Finland 
  • France 
  • Germany
  • Greece
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco 
  • Netherlands
  • Portugal 
  • San Marino 
  • Slovakia
  • Slovenia
  • Spain 
  • Vatican City State



Non-Eurozone countries participating in SEPA include:


  • Albania
  • Bulgaria
  • Czech Republic
  • Denmark
  • Hungary
  • Iceland
  • Liechtenstein
  • Moldova
  • Montenegro
  • North Macedonia
  • Norway
  • Poland
  • Romania
  • Serbia
  • Sweden
  • Switzerland
  • United Kingdom (including Gibraltar)