SEPA consists of the following member states:

27 Member States of the European Union (EU)

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (incl. Åland islands), France (incl. oversea territories of French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy, French part of Saint Martin, Saint Pierre and Miquelon), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal (incl. Azores and Madeira), Romania, Slovakia, Slovenia, Spain (incl. Canary Islands), Sweden

3 countries of the European Economic Area (EEA)

Iceland, Liechtenstein, Norway

11 non-EEA countries, to which the geographical scope has been extended

Albania, Andorra, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia*, Switzerland, United Kingdom (Incl. Gibraltar, Guernsey, Jersey and Isle of Man), Vatican City State

*SEPA Payments to Serbia

Serbia is now part of the SEPA payment schemes. Euro payments to Serbian accounts are not yet available in the Bank of Ireland mobile app, as we continue to make the necessary updates to support this.

In the meantime, you can continue to process euro payments to Serbian accounts at our branches, as you do today.

From 6 May 2026, any fees related to these payments will be waived.

Further information can be found on the European Payments Council (EPC) website