Can I pay in Swedish kronor or Polish zloty through SEPA?
No. SEPA credit transfers are euro payments. Sweden, Poland and the other SEPA countries with their own currency can send and receive euros through SEPA, but a payment in kronor or zloty goes through that country's own system or by SWIFT.
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
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.
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