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General information about SEPA
Last updated: 17 ліпеня 2026 г.
Prevent deposit delays
If required and shown in the deposit instructions, make sure your deposit includes a reference to your Krak Public account ID which starts with AA and is 16 characters long.
The Single Euro Payments Area (SEPA) is an initiative of the European Union that allows for fast, reliable and cheap e-transfers between bank accounts in the SEPA-zone.
SEPA consists of 36 countries:
- •
the 27 member states of the European Union,
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the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland),
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Andorra,
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United Kingdom,
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Monaco,
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San Marino,
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Vatican City.
Country | Category | Access to SEPA |
|---|---|---|
Andorra | — | ✔︎ |
Austria | EU | ✔︎ |
Belgium | EU | ✔︎ |
Bulgaria | EU | ✔︎ |
Croatia | EU | ✔︎ |
Cyprus | EU | ✔︎ |
The Czech Republic | EU | ✔︎ |
Denmark | EU | ✔︎ |
Estonia | EU | ✔︎ |
Finland | EU | ✔︎ |
Greece | EU | ✔︎ |
Hungary | EU | ✔︎ |
Iceland | EFTA | ✔︎ |
Ireland | EU | ✔︎ |
Italy | EU | ✔︎ |
Kosovo | EU candidate | ✗ |
Latvia | EU | ✔︎ |
Liechtenstein | EFTA | ✔︎ |
Lithuania | EU | ✔︎ |
Luxembourg | EU | ✔︎ |
Malta | EU | ✔︎ |
Monaco | — | ✔︎ |
Montenegro | EU candidate | ✗ |
Netherlands | EU | ✔︎ |
Norway | EFTA | ✔︎ |
Poland | EU | ✔︎ |
Portugal | EU | ✔︎ |
Romania | EU | ✔︎ |
San Marino | — | ✔︎ |
Slovakia | EU | ✔︎ |
Slovenia | EU | ✔︎ |
Spain | EU | ✔︎ |
Sweden | EU | ✔︎ |
Switzerland | EFTA | ✔︎ |
United Kingdom | — | ✔︎ |
Vatican City | — | ✔︎ |
All parts of a country are normally part of SEPA, but some countries have special territories which are not part of SEPA.
Country | Territory | Access to SEPA |
|---|---|---|
Cyprus | Northern Cyprus | ✗ |
Denmark | Faroe Islands, | ✗ |
Norway | Svalbard, | ✗ |
United Kingdom | British Overseas Territories | ✗ |