Sepa

SEPA (Single Euro Payments Area) is a system created by the European Union to make sending and receiving euro (€) payments easier across Europe. The countries included in SEPA are: -

• All 27 EU countries (plus associated territories)
• 3 European Economic Area (EEA) countries: Iceland, Norway and Liechtenstein
• 11 non-EEA countries including: -
  • Albania
  • Andorra
  • Moldova
  • Monaco
  • Montenegro
  • North Macedonia
  • San Marino
  • Serbia (from May 2026)
  • Switzerland
  • United Kingdom
  • Vatican City State

SEPA replaces local euro payment systems with one standard set of rules. This means faster and easier euro transfers, same conditions for payments across borders as within your own country & secure and efficient transactions for both individuals and businesses.