SEPA

The Single Euro Payments Area (SEPA) is an area in which consumers and companies can make national and cross-border collections and payments, under the same basic conditions and with the same rights and obligations, regardless of their location.

SEPA helps to make payments between different European countries more efficient, faster and secure, in particular, transfers, direct debits, and card transactions.

SEPA includes 34 countries: 28 EU member states along with Iceland, Liechtenstein, Monaco, Norway, San Marino, and Switzerland.

The countries included in the Single Euro Payment Area are: Germany, Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, the United Kingdom, the Czech Republic, Romania, and Sweden, plus Iceland, Liechtenstein, Monaco, Norway, San Marino, and Switzerland.

Back to Glossary

You might also be interested in

  • Fee-Free Online Account

    • €0 for administration and maintenance of the account, without conditions.
    • €0 for issuance and maintenance of the Aqua Debit Card.

    Up to €1,200 and no fees, it's all upsides!

    You can get up to €600 during the first year just by using your account, and if you bring your savings too, we'll double it to €1,200!

    +€100 for using your card.

    +€100 for bringing your bills to the account.

    +€400 for bringing your paycheck.

    Double your total up to €1,200 if you maintain a balance of more than €20,000

    Enter this code when you open your account before 5/20/2026:

    Copy code PLAN1200