๐ช๐บ What is SEPA?
SEPA (Single Euro Payments Area) is a payment integration initiative of the European Union designed to simplify bank transfers in euros. It allows consumers, businesses, and public administrations to make and receive cashless payments in euros under the same basic conditions, rights, and obligations.
๐ SEPA Member Countries (Updated 2025)
SEPA currently covers 38+ countries, including the EU, EEA, and several non-EU nations that have adopted the standards.
Eurozone Members (Use the Euro)
๐ฆ๐น Austria
๐ง๐ช Belgium
๐ญ๐ท Croatia
๐จ๐พ Cyprus
๐ช๐ช Estonia
๐ซ๐ฎ Finland
๐ซ๐ท France
๐ฉ๐ช Germany
๐ฌ๐ท Greece
๐ฎ๐ช Ireland
๐ฎ๐น Italy
๐ฑ๐ป Latvia
๐ฑ๐น Lithuania
๐ฑ๐บ Luxembourg
๐ฒ๐น Malta
๐ณ๐ฑ Netherlands
๐ต๐น Portugal
๐ธ๐ฐ Slovakia
๐ธ๐ฎ Slovenia
๐ช๐ธ Spain
Non-Eurozone Members (Do not use the Euro)
๐ง๐ฌ Bulgaria
๐จ๐ฟ Czech Republic
๐ฉ๐ฐ Denmark
๐ญ๐บ Hungary
๐ณ๐ด Norway
๐ต๐ฑ Poland
๐ท๐ด Romania
๐ธ๐ช Sweden
๐จ๐ญ Switzerland
๐ฎ๐ธ Iceland
๐ฑ๐ฎ Liechtenstein
Non-EU SEPA Members & Microstates
๐ฌ๐ง United Kingdom
๐ฆ๐ฉ Andorra
๐ป๐ฆ Vatican City
๐ธ๐ฒ San Marino
๐ฒ๐จ Monaco
๐ฆ๐ฑ Albania
๐ฒ๐ช Montenegro
๐ซ Territories Excluded from SEPA
While most territories of member countries are included, the following specific regions are excluded from the SEPA scheme:
| Country | Excluded Territories |
|---|---|
| ๐ฉ๐ฐ Denmark | Faroe Islands, Greenland |
| ๐ซ๐ท France | French Polynesia, New Caledonia, Wallis and Futuna, French Southern and Antarctic Lands |
| ๐ณ๐ฑ Netherlands | Aruba, Curaรงao, Sint Maarten, Caribbean Netherlands (Bonaire, Sint Eustatius, Saba) |
| ๐ณ๐ด Norway | Svalbard, Jan Mayen |
| ๐จ๐พ Cyprus | Northern Cyprus |
๐ถ Jurisdictions Using the Euro (Non-SEPA)
The following jurisdictions use the Euro as their official currency but are currently NOT part of the SEPA network:
๐ฝ๐ฐ Kosovo
๐ฌ๐ง Akrotiri and Dhekelia (UK Sovereign Base Areas in Cyprus)