The European Payment Council established SEPA credit and debit transfers as a way to improve international payment processing and set standards within SEPA and its 36 member countries. Service providers must be formal participants in the SEPA scheme in order to use SEPA credit and debit transfers.
Countries that do not belong to the list of 36 member countries are not in SEPA (Non SEPA countries list).
| EU/EEA SEPA Countries | Non-EEA SEPA Countries |
| Austria | Andorra |
| Belgium | Monaco |
| Bulgaria | San Marino |
| Croatia | Switzerland |
| Cyprus | United Kingdom |
| Czech Republic | Vatican City State |
| Denmark | |
| Estonia | |
| Finland | |
| France | |
| Germany | |
| Greece | |
| Hungary | |
| Iceland | |
| Ireland | |
| Italy | |
| Latvia | |
| Liechtenstein | |
| Lithuania | |
| Luxembourg | |
| Malta | |
| Netherlands | |
| Norway | |
| Poland | |
| Portugal | |
| Romania | |
| Slovakia | |
| Slovenia | |
| Spain | |
| Sweden | Non-EEA Territories: Saint-Pierre-et-Miquelon, Guernsey, Jersey, Isle of Man |
Special territories which are not part of SEPA countries list 2022 (Non-SEPA countries list):
| Cyprus: Northern Cyprus is excluded. |
| Denmark: the Faroe Islands and Greenland are excluded. |
| France: the French Southern and Antarctic Lands, French Polynesia, New Caledonia and Wallis and Futuna are excluded. |
| Netherlands: Aruba, the Caribbean Netherlands, Curaçao and Saint Martin are excluded. |
| Norway: Svalbard and Jan Mayen are excluded. |
| United Kingdom: British Overseas Territories are excluded, save for Gibraltar and the Crown dependencies. |