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  • Our Solutions
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SEPA Countries

SEPA Countries (List of countries)

The Single Euro Payments Area (SEPA) has built a scope for secure, consistent, and quick payment transactions in and across Europe. With the SEPA credit transfer and the SEPA direct debit, economic operators in Europe can carry out transactions subject to the same conditions. SEPA payments will make Europe’s banking industry more efficient as well as cheaper. Businesses and people residing in the participating SEPA countries can process their payment transactions regardless of where they are in Europe. In this way, a single marketplace for retail payments will be created in the Single Euro Payments Area, enabling better services for customers. The SEPA countries differ in IBAN formats, ISO codes and partly by their currencies for payment transactions. The ISO codes are used in the BIC and are two-digit country codes which, with SEPA, will become indispensable for national and international payment transactions.

SEPA Membership and Special Cases

The SEPA countries include the 28 EU member states (Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom), the three EEA countries Iceland, Norway, and Liechtenstein as well as Switzerland and Monaco.

SEPA standardises payment transactions in the euro currency within the participating countries in Europe. This not only creates a better overview but also adds a considerable value for banks and companies. The SEPA countries that do not use the euro currency have to adhere to the competitive conditions of the euro payment area. However, a special case applies to Switzerland and Monaco, as these countries are bound by the SEPA rulebooks but not by the EU regulations and directives.

SEPA Countries in the European Union (EUR and without EUR):

SEPA countries (euro): Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.
SEPA countries (without euro): Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden, and the United Kingdom.

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      pci pci dss software hosted in germany
      • A credit getting swiped in an online bankingHow to Secure Your Payments in 2023
        March 21, 2023
        As e-commerce booms throughout Europe, selling online can be a great way to reach more customers. In 2022, 75% of people in the EU shopped online. [Read more…]
      • Currency exchange, money transfer concept, economy and financial backgroundHow to Use Payment Automation in Cross-border Payments in 2023
        March 20, 2023
        Clarity into payments is highly desirable. Even more so for cross-border payments. Having visibility into what payments are coming in and going out [Read more…]
      • woman upset over payment failure5 Pain Points of E-commerce Payments and How to Address Them in 2023
        March 14, 2023
        Despite making the digital transition, many small and medium businesses (SMEs) struggle when dealing with core payment issues. True, payment [Read more…]

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