The Single Euro Payments Area (SEPA) is the uniform payment area within Europe. A total of 36 countries throughout Europe are SEPA countries, including all 27 member states of the European Union.

SEPA country list with euro (ISO country code):

• Andorra (AND)
• Austria (AT)
• Belgium (BE)
• Cyprus (CY)
• Estonia (EE)
• Finland (FI)
• France (FR)
• Germany (DE)
• Greece (GR)
• Ireland (IE)
• Italy (IT)
• Latvia (LV)
• Lithuania (LT)
• Luxembourg (LU)
• Malta (MT)
• Monaco (MC)
• Netherlands (NL)
• Portugal (PT)
• San Marino (SM)
• Slovakia (SK)
• Slovenia (SI)
• Spain (ES)
• Vatican City (VAT)

SEPA country list without euro (ISO country codes):

• Bulgaria (BG), ISO currency code: BNG
• Croatia (HR), ISO currency code: HRK
• Czech Republic (CZ), ISO currency code: CZK
• Denmark (DK), ISO currency code: DKK
• Hungary (HU), ISO currency code: HUF
• Iceland (IS), ISO currency code: ISK
• Liechtenstein (LI), ISO currency code: CHF
• Norway (NO), ISO currency code: NOK
• Poland (PL), ISO currency code: PLN
• Romania (RO), ISO currency code: RON
• Sweden (SE), ISO currency code: SEK
• Switzerland (CH), ISO currency code: CHF
• United Kingdom (GB), ISO currency code: GBP

In the SEPA payment area, payments are processed according to a standardized procedure. Both the SEPA credit transfer and the SEPA direct debit help to ensure that there are no longer any significant differences between domestic and cross-border payments. This makes payment transactions within the SEPA countries easier and faster.

In the SEPA system, the traditional bank account number is replaced by the IBAN, the so-called International Bank Account Number. The IBAN can be calculated from the sort code and the account number.

The SEPA scheme offers many possibilities for a pan-European digital settlement process with a software solution like SEPA-Transfer.

As a focused banking tool, SEPA-Transfer can store IBANs in transfer templates and import payment data from various data sources such as Excel or read it in from a database. Organize SEPA mandates and retrieve them for recurring payments with just a few clicks. Thanks to SEPA's standardized procedures, collective transfers or collective direct debits are also possible - even scheduled on a specific date.