SEPA stands for Single Euro Payments Area. SEPA was introduced by the European Council to streamline the European payments structure. With SEPA, bank transfers can be done from any European checking account to any other European checking account. SEPA Direct Debit makes it possible to collect recurring payments easily.
The following countries and territories belong to the SEPA area:
| Country/territory | BIC code | IBAN code | Currency |
| Åland Islands | FI | FI | EUR |
| Andorra | AD | AD | EUR |
| Austria | AT | AT | EUR |
| Azores | PT | PT | EUR |
| Belgium | BE | BE | EUR |
| Bulgaria | BG | BG | BGN |
| Canary Islands | ES | ES | EUR |
| Croatia | HR | HR | HRK |
| Cyprus | CY | CY | EUR |
| Czech Republic | CZ | CZ | CZK |
| Denmark | DKK | DKK | DKK |
| Estonia | EE | EE | EUR |
| Finland | FI | FI | EUR |
| France | FR | FR | EUR |
| Frech Guiana | GF | FR | EUR |
| Germany | DE | DE | EUR |
| Gibraltar | GI | GI | GIP |
| Greece | GR | GR | EUR |
| Guadeloupe | GP | FR | EUR |
| Guernsey | GG | GB | GBP |
| Hungary | HU | HU | HUF |
| Iceland | IS | IS | ISK |
| Ireland | IE | IE | EUR |
| Isle of Man | IM | GB | GBP |
| Italy | IT | IT | EUR |
| Jersey | JE | GB | GBP |
| Latvia | LV | LV | EUR |
| Liechtenstein | LI | LI | CHF |
| Lithuania | LT | LT | EUR |
| Luxembourg | LU | LU | EUR |
| Madeira | PT | PT | EUR |
| Malta | MT | MT | EUR |
| Martinique | MQ | FR | EUR |
| Mayotte | YT | FR | EUR |
| Monaco | MC | MC | EUR |
| Netherlands | NL | NL | EUR |
| Norway | NO | NO | NOK |
| Poland | PL | PL | PLN |
| Portugal | PT | PT | EUR |
| Réunion | RE | FR | EUR |
| Romania | RO | RO | RON |
| Saint Barthélemy | BL | FR | EUR |
| Saint Martin (French part) | MF | FR | EUR |
| Saint Pierre and Miquelon | PM | FR | EUR |
| San Marino | SM | SM | EUR |
| Slovakia | SK | SK | EUR |
| Slovenia | SI | SI | EUR |
| Spain | ES | ES | EUR |
| Sweden | SE | SE | SEK |
| Switzerland | CH | CH | CHF |
| United Kingdom | GB | GB | GBP |
| Vatican City State | VA | VA | EUR |
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