We often refer to SEPA countries in our articles, so it seems necessary to recall the list of countries that participate in the SEPA system.
SEPA stands for Single Euro Payments Area, and SEPA Money Transfer is an initiative of European Union countries and governments that simplifies bank transfers denominated in EUR.
In 2026, SEPA has 36 Member States: Germany, Austria, Belgium, Great Britain, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Greece, Hungary, Republic Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovenia, Slovakia, Spain and Sweden, the 3 EEA countries Norway, Liechtenstein, Iceland , as well as Switzerland and Monaco.
Most SEPA payments are settled the next day and since 2017 banks have implemented Instant SEPA, which allows payments up to EUR 15,000 to be made within 10 seconds.
List of SEPA countries in EUR in 2026
Here is a list of countries in the SEPA zone that use the euro as their main currency.
| Country | IBAN/BIC code |
|---|---|
| Andorra | AD |
| Austria | AT |
| Belgium | BE |
| Monaco | CM |
| Cyprus | CY |
| Estonia | EE |
| Spain & Canary Islands | ES |
| Finland & Aland Islands | FI |
| France | FR |
| Greece | GR |
| Croatia | HR |
| Ireland | IE |
| Gibraltar | IM |
| Italy | IT |
| Lithuania | LT |
| Luxemburg | LU |
| Latvia | LV |
| Malta | MT |
| The Netherlands | NL |
| Germany | OF |
| Portugal & Azores & Madeira | PT |
| Slovakia | SK |
| San Marino | SM |
| Slovenia | SO |
List of SEPA countries outside the EURO zone in 2026
Several countries are members of the SEPA system but do not use the euro in local currency nor are they members of the European community, such as Switzerland and United Kingdom for example:
| Country | IBAN/BIC code | Currency Code |
|---|---|---|
| Bulgaria | BG | BGN |
| Czech Republic | CZ | CZK |
| Denmark | DK | DKK |
| Gibraltar | IM | GIP |
| Hungary | HU | HUF |
| Iceland | IS | ISK |
| Liechtenstein | LI | CHF |
| Norway | NO | NOK |
| Poland | PL | PLN |
| Romania | OR | RON |
| Sweden | SE | SEK |
| Switzerland | CH | CHF |
| United Kingdom | UK | GBP |
Philippe is the founder of Neo-banques.ch, a website specializing in the analysis of Swiss online banks and neobanks. For several years, he has been testing and comparing the main solutions on the market, including Yuh, Alpian, Neon, Zak, Wise, Revolut, and N26, for both personal and professional use. His approach is based on hands-on experience, fee analysis, feature comparison, and the overall quality of the day-to-day user experience.
