Guide
SEPA Countries List
The EPC's 2026 reference covers 41 SEPA countries. Review EU, EEA, UK, Swiss, and non-EU scope plus dated changes and country-level limits.
Current official SEPA reference
This guide is checked against EPC List of SEPA Scheme Countries v8.0, issued 2025-12-24. The EPC's current scope overview lists 41 countries; associated territories can appear under those country entries.
Last verified: 2026-08-15. Next review: 2026-11-15.
Use the Check a country's SEPA status tool for the browser-local country reference result.
All 41 countries in the current EPC scope
SEPA scheme scope covers 41 countries. BankCodeKit publishes IBAN format pages for 15 of them; the rest are listed here for scope reference only. Read the publication criteria for the reviewed country-page set.
| Country | ISO 3166-1 code | Scheme group | In scope since | IBAN format page |
|---|---|---|---|---|
| Albania | AL | non-EEA | 2024-11-21 | — |
| Andorra | AD | non-EEA | — | — |
| Austria | AT | EU | — | View format |
| Belgium | BE | EU | — | View format |
| Bulgaria | BG | EU | — | — |
| Croatia | HR | EU | — | — |
| Cyprus | CY | EU | — | — |
| Czech Republic | CZ | EU | — | — |
| Denmark | DK | EU | — | View format |
| Estonia | EE | EU | — | — |
| Finland | FI | EU | — | — |
| France | FR | EU | — | View format |
| Germany | DE | EU | — | View format |
| Greece | GR | EU | — | — |
| Hungary | HU | EU | — | — |
| Iceland | IS | EEA non-EU | — | — |
| Ireland | IE | EU | — | View format |
| Italy | IT | EU | — | View format |
| Latvia | LV | EU | — | — |
| Liechtenstein | LI | EEA non-EU | — | — |
| Lithuania | LT | EU | — | — |
| Luxembourg | LU | EU | — | — |
| Malta | MT | EU | — | — |
| Moldova | MD | non-EEA | 2025-03-06 | — |
| Monaco | MC | non-EEA | — | — |
| Montenegro | ME | non-EEA | 2024-11-21 | — |
| Netherlands | NL | EU | — | View format |
| North Macedonia | MK | non-EEA | 2025-03-06 | — |
| Norway | NO | EEA non-EU | — | View format |
| Poland | PL | EU | — | View format |
| Portugal | PT | EU | — | View format |
| Romania | RO | EU | — | — |
| San Marino | SM | non-EEA | — | — |
| Serbia | RS | non-EEA | 2025-05-22 | — |
| Slovakia | SK | EU | — | — |
| Slovenia | SI | EU | — | — |
| Spain | ES | EU | — | View format |
| Sweden | SE | EU | — | View format |
| Switzerland | CH | non-EEA | — | View format |
| United Kingdom | GB | non-EEA | — | View format |
| Vatican City State | VA | non-EEA | — | — |
A country-level entry does not establish that a particular bank has joined an EPC scheme or that a specific transfer route is reachable.
Verified SEPA scope changes
- 2024-11-21: The EPC announced the inclusion of Albania and Montenegro in the SEPA payment-scheme geographical scope, bringing the scope to 38 countries. EPC inclusion notice for Albania and Montenegro .
- 2025-03-06: The EPC added Moldova and North Macedonia to the geographical scope, bringing the scope to 40 countries. EPC SEPA timeline .
- 2025-05-22: The EPC included Serbia in the SEPA payment-scheme geographical scope, bringing the scope to 41 countries. EPC Serbia inclusion notice .
- 2026-05-04: The EPC publication calendar set this as Serbia's earliest operational-readiness date; the National Bank of Serbia announced operational SEPA payments on 2026-05-05. EPC 2026 publication calendar ; National Bank of Serbia operational notice .
Who uses country scope as a first reference
Users checking whether a country or territory appears in SEPA reference data before reviewing IBAN and BIC details.
SEPA countries by group
| Group | Examples | What it means |
|---|---|---|
| EU SEPA countries | Germany , France , Italy , Spain , Netherlands | Country-level SEPA context; bank, account, provider, and payment-type checks are still separate. |
| EEA non-EU SEPA countries | Norway , Iceland, Liechtenstein | Can appear in SEPA scope without being EU member states. |
| Non-EU / non-EEA SEPA countries | United Kingdom , Switzerland , Monaco, San Marino | SEPA scope does not mean EU or EEA legal status, and does not prove payment readiness. |
| SEPA territories | Jersey, Guernsey, Isle of Man and similar entries | Treat as country- or territory-level reference data, not bank-level readiness. |
Use the SEPA Country Checker for country-level lookup, then compare IBAN, BIC and SWIFT code roles before relying on payment details.
What SEPA country lookup means
A SEPA country lookup checks whether a country or territory appears in local EPC-based SEPA reference data. It is country-level context, not account-level confirmation.
Lookup reference data and published pages are separate
BankCodeKit can keep a broader SEPA lookup table while publishing only selected country pages that have complete IBAN guide content. A missing page does not mean a country or territory is outside the local SEPA lookup data.
How to use SEPA country context
Use SEPA country status to understand whether a destination is in the general SEPA scope, then check the actual payment requirements with the bank or provider.
EU, EEA, and non-EU SEPA status
SEPA scope can include EU countries, EEA countries outside the EU, selected non-EU countries such as the United Kingdom and Switzerland, and listed territories. Treat each result as country-level reference context only.
- EU country: may appear in SEPA reference data, but bank and account eligibility still need separate confirmation.
- EEA non-EU country: may appear in SEPA reference data even when the local currency is not EUR.
- Non-EU SEPA country: the United Kingdom, Switzerland, Monaco, San Marino, and similar entries can appear in country-level scope without proving EU or EEA status.
- Territory entry: Jersey, Guernsey, Isle of Man, and similar territory references should be treated as country- or territory-level reference data, not bank-level readiness.
Why country status is not enough
A country can be listed in SEPA while a specific bank, account, payment type, or provider workflow still has additional requirements or restrictions.
Practical SEPA lookup example
If a recipient provides a German IBAN, you can use country context and format tools together before verifying the real details.
- Check Germany in the SEPA Country Checker.
- Review the Germany IBAN format page for country code DE and length 22.
- Check the provided IBAN format locally in the browser.
- Confirm payment requirements with the bank, provider, or recipient.
What a country listing cannot prove
Format checks only. This guide does not confirm account existence, ownership, bank reachability, or payment success. Read the detailed disclaimer for the full limitation list.
- SEPA country status does not confirm that a specific account exists.
- SEPA country status does not confirm account ownership.
- SEPA country status does not confirm bank-level SEPA participation or that a bank supports a specific payment.
- SEPA country status does not confirm payment readiness or payment success.
FAQ
What is included in the SEPA Countries List?
The list groups EU, EEA non-EU, other non-EU, and territory entries found in local EPC-based reference data. It provides country-level context only and does not verify an individual bank account.
Are all SEPA countries in the EU?
No. SEPA country-scope reference data can include EU countries, EEA countries outside the EU, selected non-EU countries, and territories.
Is Norway in SEPA?
Norway appears in the local SEPA country reference data as an EEA country. This does not confirm a specific bank, account, provider workflow, or payment success.
What are SEPA territories?
SEPA reference data can include territories such as Jersey, Guernsey, and the Isle of Man. Treat those entries as territory-level scope only, not proof of bank participation, account eligibility, or payment readiness.
Can the UK or Switzerland appear in SEPA country data?
Yes. SEPA country-scope reference data can include countries outside the EU. A country match still does not confirm a specific bank, account, SEPA Instant support, or payment success.
Sources for SEPA Countries List
Public references for SEPA Countries List are linked below; detailed standard scope, review methods, and licensing boundaries are documented on the Sources and Updates page.
Matching the cited format and reference data for SEPA Countries List does not confirm account existence, ownership, bank reachability, or payment success. Read the detailed disclaimer.
Reference data reviewed: 2026-07-17 Next scheduled data review: 2026-10-17 Sources: European Payments Council SEPA scheme countries list Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network confirmation.