SEPA stands for Single Euro Payments Area. As of January 2022, SEPA has 36 member-states: Andorra, Austria, Belgium, Britain, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Republic of Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Poland, Portugal, Romania, San Marino, Slovenia, Slovakia, Spain, Sweden, Switzerland, Vatican City & the 3 EEA countries of Norway, Liechtenstein, Iceland.