SEPA stands for Single Euro Payments Area. It is an initiative of the European Union countries and governments that simplifies bank transfers denominated in EUR. Some SEPA countries use EUR as their main currency, while some other countries have their own local currencies on top of EUR.
SEPA countries where EUR is the native/ local currency
- When sending EUR to these countries, they are considered as native currency transfers.
| SEPA Countries | Currency | IBAN Format | Notes |
|---|---|---|---|
| Austria | EUR | AT | |
| Belgium | EUR | BE | |
| Denmark | EUR | DK | |
| Estonia | EUR | EE | |
| Finland | EUR | FI | |
| France | EUR | FR | |
| Germany | EUR | DE | |
| Greece | EUR | GR | |
| Ireland | EUR | IE | |
| Italy | EUR | IT | |
| Latvia | EUR | LV | |
| Lithuania | EUR | LT | |
| Luxembourg | EUR | LU | |
| Malta | EUR | MT | |
| Monaco | EUR | MC | |
| Netherlands | EUR | NL | |
| Portugal | EUR | PT | |
| San Marino | EUR | SM | |
| Slovakia | EUR | SK | |
| Slovenia | EUR | SI | |
| Spain | EUR | ES | |
| Vatican City | EUR | VA |
SEPA countries where EUR is not the native/ local currency
- You may send funds to these countries in the respective native currency or in EUR.
- When sending EUR to these countries, they are considered as non-native currency transfers.
| SEPA Countries | Currency | IBAN Format | Notes |
|---|---|---|---|
| Bulgaria | BGN | BG | |
| Croatia | HRK | HR | |
| Czech Republic | CZK | CZ |
|
| Denmark | DKK | DK |
|
| Hungary | HUF | HU | |
| Norway | NOK | NO | |
| Poland | PLN | PL | |
| Romania | RON | RO | local currency is not available |
| Sweden | SEK | SE | |
| Switzerland | CHF | CH | |
| United Kingdom | GBP | GB |
