SEPA Zone Countries And Territories

What is SEPA?

SEPA creates a fast, safe and efficient borderless payment system throughout the SEPA countries and territories.

What currencies are covered under SEPA?

SEPA covers euro transactions.

Please see below list of SEPA zone countries and SEPA zone territories

EU member states

Austria	Germany	Poland
Belgium	Greece	Portugal
Bulgaria	Hungary	Romania
Czech Republic	Ireland	Slovakia
Croatia	Italy	Slovenia
Cyprus	Latvia	Spain
Denmark	Lithuania	Sweden
Estonia	Luxembourg
Finland	Malta
France	Netherlands

Other countries and territories that are part of the SEPA Zone

Aland Islands	Madeira
Azores	Martinique
Canary Islands	Mayotte
French Guiana	Monaco
Gibraltar	Norway
Guadeloupe	Reunion
Iceland	Saint Barthelemy
Liechtenstein	Saint Martin

Non-EEA countries and territories that are part of the SEPA Zone

Albania	Saint Pierre and Miquelon
Andorra	San Marino
Guernsey	Serbia
Isle of Man	Switzerland
Jersey	Vatican City
Moldova	United Kingdom
Monaco
Montenegro
North Macedonia

Serbia will be part of SEPA from 4 May 2026.

While the United Kingdom is no longer an EU state or EEA country, it will remain a Single Euro Payments Area (SEPA) reachable country.

All of the above countries and territories are part of the SEPA zone, however not all financial institutions in these countries are SEPA participants.

Sustainability

MyMortgage tool