The countries included in the SEPA area can be grouped into three categories to make them easier to find, as follows:

❶⠀Euro area countries: i.e. Austria, Belgium, Cyprus, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain and Slovenia;

❷⠀ Non-euro area countries: Bulgaria, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Romania, Slovakia, Sweden and United Kingdom;

❸⠀Member statesof the European Economic Area (EEA): Iceland, Liechtenstein, Norway, Switzerland and Monaco.

❗⠀Every payment made in the SEPA area that meets the conditions will be settled through a special system without going through the correspondence banks.

❗⠀SEPA will also extend to the following territories, which are considered part of the European Union (Art. 299 Treaty of Rome): Martinique, Guadeloupe, French Guiana, Reunion, Gibraltar, Azores, Madeira, Canary Islands, Ceuta and Melilla and the Aland Islands. 😃