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Payment Services Directive 2 (PSD2) and SEPA Countries

The Single Euro Payments Area (SEPA) countries that simplify bank transactions in Euro denomination.

PSD2 is a European Regulation that governs electronic payment services, below is the list of countries that are subject to this regulation. You will also find information on EU countries that uses Single Euro Payments Area (SEPA) to make cross-border payments.
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark 1
Estonia
Finland 2
France 3
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands 4
Norway
Poland
Portugal 5
Romania
Slovakia
Slovenia
Spain 6
Sweden
United Kingdom 7

SEPA countries

Andorra
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark 1
Estonia
Finland 2
France 3
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Monaco
Netherlands 4
Norway
Poland
Portugal 5
Romania
Saint Helena
San Marino
Slovakia
Slovenia
Spain 6
Sweden
United Kingdom 7
Vatican
Note on SEPA & Payment Services Directive 2 Countries
  1. Excluding the Faroe Islands.
  2. Including the Aland Islands.
  3. Including Martinique, Guadeloupe, French Guiana, Réunion, St Pierre et Miquelon, Mayotte, but excluding New Caledonia and Dependencies, French Polynesia, French Southern and Antarctic Territories, and the Wallis and Futuna Islands.
  4. Excluding Aruba and the Netherlands Antilles.
  5. Including Azores and Madeira.
  6. Including the Canary Islands, Ceuta and Melilla.
  7. Including Gibraltar, the Isle of Man, Guernsey, Jersey, but excluding Anguilla, Cayman Islands, Falkland Islands, South Georgia and the South Sandwich Islands, Montserrat, Pitcairn, Saint Helena and Dependencies, British Antarctic Territory, British Indian Ocean Territory, Turks and Caicos Islands, and the British Virgin Islands.

Please note: Andorra, Kosovo, Montenegro and Holy See (the Vatican City State) use the Euro as their domestic currency but do not belong to SEPA or fall under the Payment Service Directive.

The information provided on this page is true and complete as at the date of publication. It is intended as a general guide only.

Last updated: 24th April 2019

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