---
title: "Which countries are in SEPA? The full list of 41, and what it means for USDC to EUR payouts"
seoTitle: "Which countries are in SEPA? Full list of 41 countries"
description: "SEPA covers 41 countries: the EU 27, Iceland, Liechtenstein, Norway, Switzerland, the UK, four microstates, and five Balkan and Eastern states. Full list."
date: "2026-10-09"
updated: "2026-10-09"
category: "payments"
author: "BlindPay Team"
faq:
  - q: "How many countries are in SEPA?"
    a: "41. The European Central Bank says the Single Euro Payments Area consists of 41 European countries, with the count current as of 22 May 2025, when Serbia was added. The area includes all 27 EU member states, the three other EEA countries, Switzerland, the United Kingdom, Andorra, Monaco, San Marino, Vatican City, Albania, Moldova, Montenegro, North Macedonia, and Serbia."
  - q: "Is the UK still in SEPA after Brexit?"
    a: "Yes. The United Kingdom is part of the SEPA geographical scope even though it left the EU, so UK banks that adhere to the SEPA schemes can send and receive euro credit transfers. SEPA is about euro payments, so a SEPA transfer to a UK account arrives in euros. Whether the account can hold euros depends on the bank and account type."
  - q: "Do all SEPA countries use the euro?"
    a: "No. 21 EU countries use the euro as of 2026, after Bulgaria joined on 1 January 2026. Andorra, Monaco, San Marino, Vatican City, and Montenegro also use it. The other SEPA members, such as Poland, Sweden, Switzerland, Norway, and the UK, keep their own currencies but still exchange SEPA payments in euros."
  - q: "Is Serbia part of SEPA?"
    a: "Yes. The European Payments Council added Serbia to the SEPA geographical scope on 22 May 2025, making it the 41st member, according to the National Bank of Serbia. Serbian banks began operating under the SEPA Credit Transfer scheme in May 2026, with the central bank and 18 of the 19 banks in the country adhering."
  - q: "Can I convert USDC to EUR and pay a bank account in any SEPA country?"
    a: "You can pay any country your provider lists as a destination. BlindPay's SEPA payouts convert USDC to EUR and pay bank accounts in 40 listed countries, with about 1 business day as the documented estimate. A few destinations accept individual beneficiaries only, so check the payment methods reference before you add a business account."
  - q: "What bank details do I need for a SEPA payout?"
    a: "An IBAN and BIC, the beneficiary's legal name, and an address with city, postal code, and country. On BlindPay, the IBAN's country code must match the beneficiary country, and the account class must be individual or business. Getting the legal name right matters because many SEPA banks now check the payee name before the transfer goes through."
---

SEPA, the Single Euro Payments Area, covers 41 countries as of 2026: the 27 EU member states, Iceland, Liechtenstein, Norway, Switzerland, the United Kingdom, Andorra, Monaco, San Marino, Vatican City, Albania, Moldova, Montenegro, North Macedonia, and Serbia. Every SEPA payment is in euros, but only some of these countries use the euro at home.

That gap matters when you pay out from stablecoins. A USDC to EUR payout can reach a bank in Warsaw or Zurich over SEPA, but the recipient's account may convert it again. Here is the full list, sorted so you can tell which is which.

**Key takeaways**

- SEPA has 41 member countries. Serbia was the most recent addition, on 22 May 2025.
- 26 SEPA countries use the euro at home: 21 EU members plus Andorra, Monaco, San Marino, Vatican City, and Montenegro.
- 15 SEPA countries keep their own currency but still send and receive SEPA payments in euros.
- The UK and Switzerland are in SEPA even though they are not in the EU.
- A stablecoin payout API can convert USDC to EUR and pay SEPA bank accounts directly. Check the provider's destination list, not just the SEPA list.

> **Definition:** The **Single Euro Payments Area (SEPA)** is the set of European countries where banks follow common rules for euro credit transfers and direct debits, so a euro payment to another member country works like a domestic one. The European Central Bank describes it as letting people make cashless euro payments anywhere in the EU and to some non-EU countries ([ECB](https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html)).

## Which countries are in SEPA in 2026?

There are 41, grouped below by how they relate to the EU and whether they use the euro at home. The ECB states the SEPA region consists of 41 European countries, with that count current as of 22 May 2025 ([ECB](https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html)).

| Country | Group | Uses the euro at home |
| --- | --- | --- |
| Austria | EU | Yes |
| Belgium | EU | Yes |
| Bulgaria | EU | Yes (since 1 January 2026) |
| Croatia | EU | Yes |
| Cyprus | EU | Yes |
| Czechia | EU | No |
| Denmark | EU | No |
| Estonia | EU | Yes |
| Finland | EU | Yes |
| France | EU | Yes |
| Germany | EU | Yes |
| Greece | EU | Yes |
| Hungary | EU | No |
| Ireland | EU | Yes |
| Italy | EU | Yes |
| Latvia | EU | Yes |
| Lithuania | EU | Yes |
| Luxembourg | EU | Yes |
| Malta | EU | Yes |
| Netherlands | EU | Yes |
| Poland | EU | No |
| Portugal | EU | Yes |
| Romania | EU | No |
| Slovakia | EU | Yes |
| Slovenia | EU | Yes |
| Spain | EU | Yes |
| Sweden | EU | No |
| Iceland | EEA, not EU | No |
| Liechtenstein | EEA, not EU | No |
| Norway | EEA, not EU | No |
| Switzerland | Non-EEA | No |
| United Kingdom | Non-EEA | No |
| Andorra | Non-EEA microstate | Yes |
| Monaco | Non-EEA microstate | Yes |
| San Marino | Non-EEA microstate | Yes |
| Vatican City (Holy See) | Non-EEA microstate | Yes |
| Albania | Non-EEA | No |
| Moldova | Non-EEA | No |
| Montenegro | Non-EEA | Yes |
| North Macedonia | Non-EEA | No |
| Serbia | Non-EEA | No |

The count adds up as 27 EU members, 3 other EEA countries, and 11 non-EEA countries. The SEPA schemes also cover some territories with ties to these countries, which the ECB notes alongside the 41.

## Which SEPA countries use the euro, and which don't?

26 of the 41 use the euro at home. The other 15 keep their own currency and use SEPA only for payments made in euros.

Inside the EU, 21 member states use the euro. Bulgaria became the 21st on 1 January 2026, per the [ECB](https://www.ecb.europa.eu/press/pr/date/2026/html/ecb.pr260101~c830245e42.en.html). The six EU members outside the euro area are Czechia, Denmark, Hungary, Poland, Romania, and Sweden.

Outside the EU, the European Union lists Andorra, Monaco, San Marino, Vatican City, and Montenegro among the non-EU countries that use the euro, some by agreement and some by their own decision ([European Union](https://european-union.europa.eu/institutions-law-budget/euro/euro-internationally_en)). Everyone else in the table above has a national currency.

Why it matters for a payout: SEPA guarantees the euro transfer, not the currency the recipient ends up holding. Paying a Swedish account in euros can trigger a conversion at the recipient's bank unless the account holds euros. Ask recipients in non-euro SEPA countries whether their account is a euro account before you promise an amount in their local currency.

## Which country joined SEPA most recently?

Serbia is the newest member. The European Payments Council added it to the SEPA geographical scope on 22 May 2025, which brought the total to 41.

The National Bank of Serbia reports that Serbian banks began operating under the SEPA Credit Transfer scheme in May 2026, with the central bank and 18 of the 19 banks in the country adhering ([National Bank of Serbia](https://nbs.rs/en/scripts/showcontent/index.html?id=21592)).

Joining the scope is not the same as live payments. Banks in a new member country adhere to the schemes over time, so reachability can lag the official date for months.

## How does a USDC to EUR payout reach a SEPA bank account?

The stablecoin converts to euros and is sent as a SEPA credit transfer to the recipient's IBAN. The recipient sees an ordinary euro bank transfer.

1. **Add the recipient's bank account** with IBAN, BIC, legal name, address, and account class (individual or business).
2. **Request a payout quote** in USDC. You can quote by the USDC you send, or by the exact EUR amount the recipient should get. [Receiver-side quotes](/resources/more/pay-exact-local-amount-receiver-side-quote) explains the difference.
3. **Execute before the quote expires.** SEPA quotes can expire sooner than the usual 5 minutes, so read the expiry from each quote.
4. **Track the payout** by webhook until it completes.

The network choices, IBAN fields, and timing details live in [how to off-ramp USDC to euros over SEPA](/resources/more/how-to-off-ramp-usdc-to-euros-sepa). If you are comparing SEPA with other instant schemes, [instant payment systems by country](/resources/more/instant-payment-systems-by-country) puts them side by side.

## Which SEPA countries can BlindPay pay out to?

BlindPay's SEPA payouts convert USDC to EUR and pay bank accounts in 40 countries, listed in the [payment methods reference](/docs/kb/payment-methods#sepa-destinations) as of October 2026.

Those destinations are Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Holy See, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom.

A few facts from BlindPay's docs worth knowing before you build:

| Item | BlindPay SEPA payout detail |
| --- | --- |
| Funding stablecoin | Native USDC, from Polygon, Ethereum, Arbitrum, Base, Solana, or Stellar ([changelog](/changelog/2026-06-06-sepa-multi-chain-eur-quotes-and-offramp)) |
| Estimated delivery | About 1 business day ([bank accounts docs](/docs/bank-accounts)) |
| Minimum | 11 USDC when quoting by sender amount, 10 EUR when quoting by receiver amount ([payouts docs](/docs/payouts)) |
| Beneficiary types | Individual and business; Austria, Estonia, Finland, France, Lithuania, Norway, and Portugal are individual-only for now |
| Required details | IBAN, BIC, legal name, address line, city, postal code, country; the IBAN country must match the beneficiary country |
| Pricing | Fees vary by rail and network and are shown in the live quote; there is no public static rate card |

Get the beneficiary's legal name exactly right. European banks increasingly check the payee name before a credit transfer goes through, which [verification of payee in instant payments](/resources/more/verification-of-payee-instant-payments) explains.

## Is a SEPA payout from stablecoins a crypto payment?

Not from the recipient's side. The recipient gets euros in a bank account through a normal SEPA transfer, and the stablecoin leg happens before the bank leg.

That is the core idea in [blockchain payments vs crypto payments](/resources/more/blockchain-payments-vs-crypto-payments): the blockchain is the settlement path, and the money that arrives is ordinary currency. If your recipients are in Latin America instead, the [Latin America payout cheat sheet](/resources/more/latin-america-payout-cheat-sheet) does the same job this page does for Europe.

## What to do next

Sort your European recipients into euro and non-euro SEPA countries, and ask the non-euro ones whether they hold a euro account. Then check every destination against your provider's list and its individual-only rules before you add business beneficiaries.

Read the [BlindPay payment methods reference](/docs/kb/payment-methods#sepa-destinations) and request a SEPA quote by EUR amount to see what a recipient in your top country would receive.