What is the IBAN format for Kosovo?

The Kosovo IBAN is 20 characters long and starts with the country code XK followed by 2 check digits and the BBAN (Basic Bank Account Number). Kosovo is not a SEPA member; international transfers use the SWIFT network.

How long is a Kosovo IBAN?

A Kosovo IBAN is exactly 20 characters long. This fixed length is defined by the ISO 13616 standard and is the same for all Kosovo bank accounts.

What does a Kosovo IBAN look like?

A valid Kosovo IBAN always starts with XK, followed by 2 check digits, then the BBAN fields specific to Kosovo. Example: XK051212012345678906 This is a test IBAN for format illustration only.

Is Kosovo part of the SEPA zone?

No, Kosovo is not a SEPA member. International transfers to Kosovo banks are sent via the SWIFT network using the IBAN and a BIC/SWIFT code.

IBAN Format

🇽🇰 Kosovo IBAN Format

20 characters · Euro (EUR) · SWIFT only

Example IBAN

X

K

Country

Check Digits

Bank Code

Account No.

Check Digits

Grouped Example

XK05 1212 0123 4567 8906

Format String

XKkk nnnn nnnn nnnn nnnn

k=check · n=digit · A=letter · c=alphanumeric

Field Breakdown

Country Code

2 charsISO 3166-1 alpha-2 country code (XK)

Check Digits

2 charsMOD-97-10 check digits per ISO 13616

Bank Code

4 digits4-digit bank identifier

Account No.

10 digits10-digit account number

Check Digits

2 digits2-digit check digits

Country Details

Country🇽🇰 Kosovo

Country code (ISO 3166-1)XK

IBAN length20 characters

CurrencyEuro (EUR)

SEPA memberNo

SWIFT transfersYes

Transfer networkSWIFT only

Validate a Kosovo IBAN

Enter any XK IBAN for MOD-97 check digit verification and bank lookup.

Valid IBAN

Try Another Country

Frequently Asked Questions

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