Countries

Country profiles

All SEPA countries

The SEPA geographical scope covers 41 countries (the Western Balkans and Moldova were added in 2025). Turkey is not included in this number; it is a candidate country that submitted its letter of intent on 2 July 2026 and whose accession process is being tracked, shown faded/marked in the list below. Bosnia and Herzegovina also formally applied to join on 6 August 2026 (CBBH announcement); it is not yet within the scope and is not included in this number. To check a country, use the SEPA country lookup tool.

According to the European Payments Council's (EPC) current geographical-scope document, the SEPA schemes cover 41 countries: 27 EU members, 3 EEA countries outside the EU (Iceland, Liechtenstein, Norway) and 11 countries outside the EEA (Switzerland, Monaco, San Marino, Andorra, Vatican City, the United Kingdom, Albania, Montenegro, North Macedonia, Serbia, Moldova). Note: the EPC's headline country count and its detailed country/territory–IBAN-code table are not the same count; Gibraltar (with its own GI IBAN code) and some linked territories are shown separately in the detailed table and are not added again to this number. Geographical coverage does not mean that all banks in that country are operational.

Note: the list is only for SEPA countries + Turkey. Of the 26 countries using the euro, 21 are euro-area members and 4 (Andorra, Monaco, San Marino, Vatican City) use it under a monetary agreement with the EU. €* = Montenegro uses the euro unilaterally, without euro-area membership or a monetary agreement.