DaveFlash My understanding of the laws around SEPA was that there was no need to have an entity in the particular country - as long as you’re a bank in any SEPA country you’re covered.
From documentation of an Irish bank:
The SCT scheme ensures customers can make electronic payments to any customer located anywhere in the SEPA zone using a single bank account (IBAN) and a uniform set of standards, rules and conditions. For example, an Irish customer with a holiday home in Spain can now pay all utility bills relating to the Spanish property from one domestic account in Ireland. Also, foreign nationals working in Ireland may have their salaries paid directly into their domestic account, eliminating the need to open many different bank accounts.
