IBAN
IBAN in Kosovo
A Kosovo IBAN has 20 characters. See its structure field by field, a valid example, and check or calculate an IBAN.
At a glance
- Length
- 20 characters
- Starts with
- XK
- Example (electronic)
- XK051212012345678906
- Example (print)
- XK05 1212 0123 4567 8906
- SEPA
- No — payments go by SWIFT
- Bank code
- 2 digits, positions 5–6
Structure, field by field
XK051212012345678906
| Positions | Field | Length | Type | Example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | letters | XK |
| 3–4 | Check digits | 2 | digits | 05 |
| 5–6 | Bank code | 2 | digits | 12 |
| 7–8 | Branch code | 2 | digits | 12 |
| 9–18 | Account number | 10 | digits | 0123456789 |
| 19–20 | National check digit | 2 | digits | 06 |
Calculate a Kosovo IBAN
Where to find it
On the account holder’s bank statement, in their online or mobile banking under account details, or on the invoice of a supplier who wants to be paid by transfer. If you only have the bank code and account number, ask the bank for the IBAN (or use the calculator above where it is offered), then confirm it with the beneficiary.
Questions
- How many characters is a Kosovo IBAN?
- 20, always starting with XK. In print it is written in groups of four: XK05 1212 0123 4567 8906.
- Can I pay a Kosovo IBAN by SEPA?
- No. Kosovo is outside SEPA: payments go by SWIFT, and you need the bank’s SWIFT/BIC code with the IBAN.
- Does a valid IBAN mean the account exists?
- No. The check digits prove the number is well-formed, which catches almost every typo. Only the beneficiary’s bank can confirm the account is open and in their name.
Paying an IBAN in Kosovo?
See the fee and the exchange rate before you confirm, and the day the money should arrive.