SEPA stands for Single Euro Payments Area. SEPA money transfer is a payment system that simplifies bank transfers denominated in EUR.
SEPA countries where EUR is the native/ local currency
When sending EUR to these countries, they are considered as native currency transfers.
| SEPA countries | IBAN Format | Remarks |
| Austria | AT | - |
| Belgium | BE | - |
| Estonia | EE | - |
| Finland | FI | - |
| France | FR | - |
| Germany | DE | - |
| Greece | GR | - |
| Ireland | IE | - |
| Italy | IT | - |
| Latvia | LV | - |
| Lithuania | LT | - |
| Luxembourg | LU | - |
| Malta | MT | - |
| Monaco | MC | - |
| Netherlands | NL | - |
| Portugal | PT | - |
| San Marino | SM | - |
| Slovakia | SK | Limited to Business Users of the tourism segment only |
| Slovenia | SI | Limited to Business Users of the tourism segment only |
| Spain | ES | - |
| Vatican City | VA | - |
SEPA countries where EUR is not the native/ local currency
You may send funds to these countries in the respective native currency or in EUR.
When sending EUR to these countries, they are considered as non-native currency transfers.
| SEPA countries | IBAN Format | Currency | Remarks |
| Bulgaria | BG | BGN | Limited to Business Users of the tourism segment only |
| Croatia | HR | HRK | - |
| Czech Republic | CZ | CZK | - |
| Denmark | DK | DKK | - |
| Hungary | HU | HUF | - |
| Norway | NO | NOK | - |
| Poland | PL | PLN | - |
| Sweden | SE | SEK | - |
| Switzerland | CH | CHF | - |
| United Kingdom | GB | GBP | - |