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Doc 782 sepa has now 38 countries #296

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Doc 782 sepa has now 38 countries #296

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doc-782-sepa-has-now-38-countries
racene-swan May 2, 2025
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fixup! doc-782-sepa-has-now-38-countries
racene-swan May 2, 2025
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8 changes: 4 additions & 4 deletions docs/topics/payments/index.mdx
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Expand Up @@ -194,18 +194,18 @@ Swan will verify that your offer is compliant.

## About SEPA {#sepa}

The [Single Euro Payments Area (SEPA)](https://www.europeanpaymentscouncil.eu/about-sepa) is a payment network used to **transfer funds in euros in 36 countries**.
The [Single Euro Payments Area (SEPA)](https://www.europeanpaymentscouncil.eu/about-sepa) is a payment network used to **transfer funds in euros in 40 countries**.
One of SEPA's primary goals is to **harmozine payments** across these countries, making it **easy to use cashless payment methods** anywhere you are in and around Europe.
SEPA is regulated by the European Payments Council (EPC).

Swan uses the SEPA Credit Transfer, SEPA Instant Credit Transfer, SEPA Direct Debit payment methods for all transactions not executed internally between Swan accounts.

### SEPA countries and territories {#sepa-locations}

SEPA countries and territories include both European Union (EU) and non-EU members.
SEPA countries and territories include European Union (EU), European Economic Area (EEA), and non-EU members.

* **EU members**: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland (including the Aland Islands), France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthelemy, French Saint Martin, Reunion, and Saint Pierre and Miquelon), Germany, Greece, Hungary, Republic of Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal (including Madeira and Azores), Romania, Slovenia, Slovakia, Spain (including Ceuta, Melilla, and the Canary Islands), and Sweden.
* **Non-EU members**: Andorra, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, United Kingdom (including Gibraltar), and Vatican City State/Holy See.
* **EU/EEA members**: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (including the Aland Islands), France (including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthelemy, French Saint Martin, Reunion, and Saint Pierre and Miquelon), Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal (including Madeira and Azores), Romania, Slovakia, Slovenia, Spain (including Ceuta, Melilla, and the Canary Islands), and Sweden.
* **Non-EU members**: Albania, Andorra, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Switzerland, United Kingdom (including Gibraltar), and Vatican City State/Holy See.

:::note SEPA official list
SEPA's scope with all of these countries and territories depends on licensing and local regulations.
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