SEPA, an EU-driven effort aimed at standardizing transactions within the Eurozone, encompasses a variety of countries. The SEPA area comprises the 28 EU member states, along with four European Free Trade Association members: Iceland, Liechtenstein, Norway, and Switzerland. Additionally, Monaco, Andorra, San Marino, and the Vatican City State are also included in SEPA.
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
- Estonia
- Finland
- France
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Monaco
- Netherlands
- Portugal
- San Marino
- Slovenia
- Spain
- Vatican City State
Non-Eurozone countries where SEPA schemes are used solely for euro-denominated payments include:
- Bulgaria
- Croatia
- Czech Republic
- Denmark
- Hungary
- Iceland
- Liechtenstein
- Norway
- Poland
- Romania
- Sweden
- Switzerland
- United Kingdom (including Gibraltar)
- Guernsey
- Jersey
- Isle of Man