The SEPA zone consists of the 41 countries: EU member states together with the 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."