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In total, 34 countries are part of the Single Euro Payments Area:
Please note: Andorra, Kosovo, Montenegro and the Vatican City use the Euro as their domestic currency but do not belong to SEPA.
1 Including the Åland Islands.
2 Including Martinique, Guadeloupe, French Guiana, Reunion, Saint Martin, Saint Pierre and Miquelon, Mayotte, and Saint Barthelemy.
3 Including Azores and Madeira.
4 Including the Canary Islands, Ceuta and Melilla.
5 Including Gibraltar, Guernsey, Jersey and Isle of Man
The SEPA vision is one of a harmonised European-wide standard payments environment using mandatory and consistent ISO 20022 XML messaging. Eventually, it will bring significant savings to companies by driving down transaction costs and cross-border charging practices.
Further benefits include:
The four main SEPA instruments are:
Key milestones that have been delivered for SEPA to date include:
Find out more about SEPA by talking to your Relationship Director.
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