SEPA countries - Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Rumania, San Marino, Spain, Slovakia, Slovenia, Sweden, Switzerland, the Czech Republic, the Vatican City State. Current List of SEPA countries is available here:
Payments outside SEPA are processed under TARGET2 is the real-time gross settlement (RTGS) system owned and operated by the Euro system. TARGET stands for Trans-European Automated Real-time Gross settlement Express Transfer system. The current list of TARGET2 is available here:
SWIFT (Society for Worldwide Interbank Financial Telecommunication – International Interbank Information Transfer and Payment System) is a messaging system that operates in a network of financial institutions around the world.