The SEPA Zone: Which countries are a part of SEPA?

The Single Euro Payments Area (SEPA) is an EU initiative to harmonise payments across the Eurozone.


Which countries are part of SEPA?

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

SEPA countries map

SEPA payments are only used for euro-denominated transactions. For this reason, the percentage of customers reachable by SEPA payments varies on a country-by-country basis.

Eurozone countries

In Eurozone countries, all bank accounts that were previously reachable through a national scheme are now reachable via the SEPA payment schemes:

  • Austria
  • Belgium
  • Cyprus
  • Estonia
  • Finland1
  • France2
  • Germany
  • Greece
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco3
  • Netherlands
  • Portugal4
  • San Marino3
  • Slovakia
  • Slovenia
  • Spain5
1. Including Aland Islands
2. Including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part), Réunion and Saint Pierre and Miquelon
3. Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency.
4. Including Azores and Madeira
5. Including Canary Islands and Ceuta en Melilla

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 Kingdom6

6. Including Gibraltar

SEPA and GoCardless

GoCardless is the online Direct Debit specialist. Merchants can collect and manage their SEPA Direct Debit payments from any of the countries in the SEPA zone, using our online dashboard or simple REST API.

To find out more about collecting Direct Debit payments across Europe, or to register your interest with GoCardless, check out our GoCardless Europe page.

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