SEPA (Single Euro Payments Area) allows customers to make cashless Euro payments to any account located within the SEPA zone under the same basic conditions, rights, and obligations, regardless of location.
Below is the full list of SEPA countries (as of August 2025):
EU Member States (using EUR or other local currency)
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
Non-EU Countries and Territories in SEPA
- Andorra
- Iceland
- Liechtenstein
- Monaco
- Norway
- San Marino
- Switzerland
- United Kingdom*
- Vatican City
Note: SEPA payments must be made in EUR. Even if your account holds a different currency, the actual payment must be sent in euros to be considered a SEPA payment.
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- What Countries Are Part of the SEPA Zone?
- Under what name will my transfer show to the recipient?
- What does the "Pending" or "Rejected" status mean for my transaction?
- Why was my transaction rejected?
- Can I cancel a transaction/payment after I send it?
- How do I transfer funds locally?
- How do I make repeat payments?
- How do I make bulk payments?
- How to use your IFX (Bank) wallet
- How to transfer funds internally (from one wallet to another)