Features/What are the countries in the SEPA area?

The SEPA area, composed of 34 countries, consists of: 19 European Union countries that use the euro: Italy, Austria, Belgium, Cyprus, Estonia, France, Finland, Greece, Germany, Ireland, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain; 9 European Union countries that use a currency other than the euro domestically, but still conduct transactions in euros: Bulgaria, Denmark, Great Britain, Poland, Czech Republic, Romania, Sweden, Hungary, Croatia; 3 countries outside the European Union but within the European Economic Area: Iceland, Liechtenstein, Norway; 3 countries outside both the European Union and the European Economic Area: Monaco, Switzerland, and San Marino