List of SEPA countries: 15 Euro Area countries: Belgium, Cyprus, Greece, Germany, Spain, France, Ireland, Italy, Malta, The Netherlands, Austria, Portugal, Finland, Luxembourg, Slovenia; 12 remaining EU countries: United Kingdom, Sweden, Denmark, Czech Republic, Estonia, Lithuania, Latvia, Hungary, Poland, Slovakia, Romania, Bulgaria; 4 EFTA countries (European Free Trade Association): Norway, Iceland, Liechtenstein, Switzerland