The SEPA zone consists of the 28 EU member states together with the four members of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland). Monaco Andorra, San Marino, and the Vatican City State are also part of SEPA.

Countries that allow SEPA payment schemes:

Eurozone countries

Andorra

Austria

Belgium

Cyprus

Estonia

Finland (including Aland Islands)

France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part), Réunion and Saint Pierre and Miquelon)

Germany

Greece

Ireland

Italy

Latvia

Lithuania

Luxembourg

Malta

Monaco (Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency)

Netherlands

Portugal (including Azores and Madeira)

San Marino (Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency)

Slovakia

Slovenia

Spain (including Canary Islands and Ceuta en Melilla)

Vatican City State

Non-Eurozone countries

In non-eurozone countries, the SEPA schemes are only used for euro-denominated payments. Reachability is only required for euro-denominated bank accounts. For payments made in the local currency, national schemes should continue to be used.

Bulgaria

Croatia

Czech Republic

Denmark

Hungary

Iceland

Liechtenstein

Norway

Poland

Romania

Sweden

Switzerland

United Kingdom (including Gibraltar)

Guernsey, Jersey, and Isle of Man

If you try to enter an IBAN that is not supported by SEPA payment, the following error will appear: The IBAN is out of the SEPA zone.

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