George transfers your money quickly to accounts all around the world. And knows how to handle transfers to SEPA countries and international transfers (non-SEPA) differently.
International Transfers (Non-SEPA)
Last Article Update 17.11.2025
George automatically changes the transfer type as soon as you:
- Enter an account from a non-SEPA country
- Use a currency other than EUR
After that, the transfer looks similar to a SEPA transfer - with some key differences. Here's how it works.
Single Euro Payments Area (SEPA)
The Single Euro Payments Area (SEPA) currently consists of 41 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 October 2025, the following countries are part of SEPA:
- 🇦🇱 Albania
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- 🇲🇩 Moldova
Monaco- 🇲🇪 Montenegro
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: a country with the Euro as currency is not automatically part of the SEPA area.
How to make an international (non-SEPA) transfer
App
1. From your overview, find the account you want to send from and tap "New Transfer".
2. Choose Manual Transfer, add a new recipient and enter their IBAN or account number.
3. If you choose an account from a non-SEPA country, George asks you to provide a BIC/SWIFT or bank code. Choose one and enter the details.
4. Enter an amount. You can also change currency. If you do, George also shows you the EUR value based on expected exchange rates.
5. George takes you to the transfer summary, where you can review and edit:
- Name and account number
- BIC/SWIFT or bank code
- Transfer amount: George also shows you the total amount (transfer amount + fees). Tap to see a breakdown.
- Execution date: If you don't change this, George tries to make the transfer as soon as possible.
6. George also lets you decide who should pay the transfer expenses. There are three options:
- Expenses are shared
- You pay
- The recipient pays
Tap "Expenses" to choose an option. Note that some may not be available to you.
7. You can now enter additional details if you want:
Recipient address. This can help a transfer go through quicker. If you provide one, George tells you which details you have to add.
Text: This lets you give the recipient more details.
8. Sign the transfer as usual. Or save and create another transfer.
Web
1. Start a new transfer. You have two options:
- From your Overview, find the account you want and click "New Transfer".
- Click "Your Products" in the header and pick an account to send from. Then, choose "New Order".
2. By default, George sets up a SEPA transfer. However, he updates the form right away if you:
- Enter a non-SEPA IBAN or account number
- Change currency from EUR
3. Enter a BIC/SWIFT or bank code.
4. You can now enter a recipient address. This is optional, but can make the transfer go through quicker.
5. Now enter an amount. George will show how much will go out of your account including fees.
6. George asks who should pay the expenses. There are three options:
- Divide expenses
- You pay
- The recipient pays
Some options may not always be available.
7. As with SEPA transfers, you can (if you want) add a text to provide more info.
8. You can tell George to transfer on a specific date. If you leave it empty, he will transfer as soon as possible.
9. Sign the transfer as usual. Or save and create another transfer.
Author: Samira El-Shamy