SEPA is an area in which consumers, companies and other economic actors are able to make and receive payments in Euro, whether within or across national borders, with the same basic conditions, rights and obligations, regardless of their location within the EE.

Click on information leaflet prepared by the European Central Bank. 

SEPA Components

1. Credit Transfers

2. Direct Debits

Information regarding SEPA Direct Debits will be available online soon.

3. Card Payments

There is no discrimination between national and cross-border payments as each card holder will be able to use one card at any ATM or POS (Point of Sale) all over the euro area, with the same basic conditions.

4. Cash

It aims the smooth operation of cash in the banking industry in order to further harmonise National Central Banks’ cash services.


CONTACT US 800 00 800 / (+357) 2212 8000 EMAIL US