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

*Serbia becomes reachable to send and receive payments from May 2026

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