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Q: What does a Kosovo IBAN look like?

A Kosovo IBAN follows this format: XK05 1212 0123 4567 8906. The first two letters (XK) identify the country, followed by two check digits, then the BBAN.

Q: Is Kosovo part of SEPA?

No, Kosovo is not part of SEPA. International transfers to Kosovo are processed through the SWIFT network.

Akif Hazarvi

Kosovo IBAN

XK·EUR

The International Bank Account Number (IBAN) for Kosovo is 20 characters long and is used to identify bank accounts for international transactions via the SWIFT network.

A Kosovo IBAN begins with the country code XK and two check digits, followed by the 16-character BBAN (Basic Bank Account Number). The Kosovo BBAN encodes a 2-character bank code, followed by a 2-character branch code, followed by a 10-character account number, followed by a 2-character national check digit. International transfers to Kosovo are processed in EUR via SWIFT, typically taking 1–3 business days. Always include the full 20-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

20 chars

Currency

EUR

SEPA

No

Banks

5+

Example IBAN

Electronic format

XK051212012345678906

Print format

XK05 1212 0123 4567 8906

IBAN structure for Kosovo

A Kosovo IBAN is 20 characters long and consists of the following components:

Country code

XK

Check digits

05

Bank code

2 chars

Branch code

2 chars

Account number

10 chars

National check digit

2 chars

Total length20 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Kosovo:

Bank code2 characters

^[0-9]{2}

Branch code2 characters

^[0-9]{2}

Account number10 characters

^[0-9]{10}

National check digit2 characters

^[0-9]{2}

Major banks in Kosovo

5 banks in Kosovo that support IBAN-based international transfers:

R

Raiffeisen Bank Kosovo

B

Banka Kombetare Tregtare Sh.a

P

Procredit Bank Kosovo (formerly Micro Enterprise Bank, Pristina, Kosovo

N

Nlb Prishtina Sh.a.

T

Teb Sha

Understanding IBAN in Kosovo

What is the IBAN format in Kosovo

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Kosovo

IBAN in Kosovo consists of 20 characters: 2 letter country code 2 digit check number 2 characters from the bank's bank code 2 digit code for the bank branch 10 digit code for the bank account number 2 digit code for national code

Do you need an IBAN in Kosovo

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Kosovo, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

How many characters is a Kosovo IBAN?

A Kosovo IBAN is exactly 20 alphanumeric characters long, starting with the country code "XK" followed by two check digits and the domestic bank account details (BBAN).

What does a Kosovo IBAN look like?

A Kosovo IBAN follows this format: XK05 1212 0123 4567 8906. The first two letters (XK) identify the country, followed by two check digits, then a 2-character bank code, and a 2-character branch code, and a 10-character account number, and a 2-character national_check_digit.

Is Kosovo part of SEPA?

No, Kosovo is not part of the SEPA (Single Euro Payments Area). International transfers to Kosovo are processed through the SWIFT network, which may take longer and cost more than SEPA transfers.

How do I find my IBAN in Kosovo?

You can find your Kosovo IBAN on your bank statement, in your online banking portal, or by contacting your bank directly. The IBAN is typically printed on the front or back of your bank card in many countries. You can also use our IBAN calculator tool to generate it from your domestic bank details.