Last Article Update 10.03.2025
George transfers your money quickly to accounts all around the world. By doing so, George differentiates between transfers within the SEPA area and international transfers (non-SEPA).
While preparing your transfer, there are some things you should keep in mind so your money arrives at the desired destination, whether it's abroad or within the SEPA area but in a currency other than EUR.
The Single Euro Payments Area (SEPA) currently consists of 36 countries, amongst them all 27 EU member states. SEPA's goal is to unify cashless payments in Euro amongst those within the area. A SEPA transfer works the same way as a domestic transfer. The country doesn't need to have EUR as a currency to take part in SEPA, as long as the transfer is done in EUR.
Of course, that means that if an international transfer even within the SEPA area is done in another currency than EUR, it automatically becomes a foreign transfer (non-SEPA). Also, transfers to countries outside of SEPA will always be foreign transfers (non-SEPA).
As of 2022, the following countries are part of SEPA:
Andorra
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France (incl. overseas departments)
Germany
Greece
Hungary
Iceland
Ireland 
Italy
Latvia
Liechtenstein
Lithuania
Luxemburg
Malta
Monaco
Netherlands
Norway
Poland
Portugal (incl. Azores and Madeira)
Romania
San Marino
Slovakia
Slovenia
Spain (incl. Canary Island, Ceuta and Melilla)
Sweden
Switzerland
Vatican
United Kingdom (incl. Gibraltar, Guernsey, Jersey, Isle of Man)
Please note that Greenland and the Faroe Islands are not part of the SEPA area. This also applies to Kosovo and Montenegro: though they do have the EURO as their countries' currency, they are not part of the SEPA area.
1. From your overview, look for the account from which you want to send money internationally and click on "New transfer.
2. The transfer form now opens. As default, George sets up a SEPA transfer. This will change as soon as you enter an IBAN or account number that is outside the SEPA region. Or if you enter a currency other than EUR.
3. As when preparing a regular SEPA transfer, select the recipient account and, of course, the amount.
4. As you can see, George now displays additional fields such as address details. Since there are expenses for foreign transfers, you can decide who will accept them: You, the recipient, or you both share them equally. If you fully or partially accept them, you can also select an account that George should charge for the expenses.
5. Now you can also enter either a text or a payment reference. This input, however, is optional.
6. In the next step, you can either save this transfer for later, save the transfer and immediately prepare a new one, or sign it right away.
Author: Samira El-Shamy