Which territories are in SEPA?
The EPC's list includes EU outermost regions and territories such as the Canary Islands, the Azores, Madeira, the Åland Islands and the French overseas regions, plus Gibraltar, Guernsey, Jersey, the Isle of Man and Saint-Pierre-et-Miquelon. Accounts in the French overseas regions use French IBANs, and accounts in Guernsey, Jersey and the Isle of Man use GB IBANs.
The wider picture
The key points from the guide this answer comes from:
- SEPA covers 41 countries: the 27 EU member states; Iceland, Liechtenstein and Norway; and 11 countries outside the EEA, including the UK and Switzerland.
- SEPA payments are always in euros, even to the SEPA countries that keep their own currency, such as Sweden, Poland, the UK or Switzerland.
- The newest members are Albania, Montenegro, North Macedonia and Moldova, from 5 October 2025, and Serbia, from May 2026.
- Inside the EEA, an IBAN and the payee's name are enough. When either bank is in a non-EEA SEPA country, the payer's bank can also ask for the BIC.
More questions on this
- Is the UK still in SEPA?
- Is Switzerland in SEPA?
- Can I pay in Swedish kronor or Polish zloty through SEPA?
The full guide
SEPA covers 41 countries: the 27 EU member states, Iceland, Liechtenstein and Norway, and 11 countries outside the EEA, from Albania to the UK and Switzerland. Payments are in euros everywhere, and a company with a euro IBAN can be paid from any of them.
Read Which countries are in SEPA? All 41, with their IBAN codes and currencies, with its sources.
General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.
Get started
Open a business account built on stablecoins.
Named USD, EUR, GBP and AED accounts in your company's name, with USDC and USDT in and out. Apply online; our compliance team reviews applications in 1 to 5 business days.