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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.

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    For whatever you want, free of charge

    Fee-Free Online Account

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

    You can get up to €760 during the first year just by using your account, and if you bring your savings too, you'll get up to €1,060!

    +€400 for bringing your paycheck.

    +€120 for using your card.

    +€120 for using Bizum.

    +€120 for direct debiting your bills.

    +€300 up to €1,060 if you maintain a balance of more than €10,000.

    Enter this code when you open your account before 10/20/2026.

    Copy code PLAN1060