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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  • Fee-Free Online Account

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

    Get up to €760 just for using your account. During the first year, you could earn up to €63.33 a month for doing the usual things with your account: Bizum, shopping with the card, paying a bill or getting your paycheck. You could get up to €760!

    Enter this code when you open your account before 09/30/2025:

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  • For young people between 18 and 29 years of age.
    • €0 for account administration and maintenance.
    • €0 annual debit card fee.
    • No need to deposit your paycheck.

    No fees if you use your card once a month (withdraw money, pay for purchases, etc.).