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:
Finland (including Aland Islands)
France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part), Réunion and Saint Pierre and Miquelon)
Monaco (Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency)
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)
Spain (including Canary Islands and Ceuta en Melilla)
Vatican City State
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.
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.