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The SEPA project represents the next major step towards closer European integration. SEPA will allow customers to make non-cash euro payments to any beneficiary located anywhere in the euro area using a single bank account and a single set of payment instruments. All retail payments in euro will thereby become “domestic”. There will no longer be any differentiation between national and cross border payments within the euro area.
The project is run by the banking industry which created for this purpose the European Payments Council (EPC) in 2002. The EPC has defined the new schemes, frameworks, rules and standards for euro payments. The implementation of SEPA is being undertaken by European banking communities and all other stakeholders. The European Central Bank (ECB) and the European Commission (EC) strongly support SEPA and with the EPC share a joint vision of the SEPA project .
For the national migration plans and SEPA indicator, see Migration
For an introduction to SEPA, see
Last updated: 6 March 2008
See below for links to non-commercial information on SEPA. Websites of commercial banks do also offer information.
The ECB maintains this directory.
Please send link proposals to ECB webmasters.