Kosovo IBAN at a Glance
| Country | Kosovo (XK) |
| Length | 20 characters |
| Structure (after XK + check digits) | 2n bank, 2n branch, 12n account, 2n check |
| Example IBAN | XK05 1212 0123 4567 8906 |
| SEPA member | No |
The example above is the published ISO registry sample for Kosovo. It passes checksum validation but is not a real account.
How to Read a Kosovo IBAN
Every IBAN starts the same way: the first two letters are the country code (XK) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Kosovo's domestic account format: 2n bank, 2n branch, 12n account, 2n check.
For an international transfer to Kosovo you will typically need this IBAN plus the bank's SWIFT/BIC code, which you can verify with our SWIFT Code Checker.
Frequently Asked Questions
How long is a Kosovo IBAN?
Exactly 20 characters, always starting with XK.
Is Kosovo part of SEPA?
No. Transfers are routed as standard international SWIFT payments.
Can I validate a Kosovo IBAN without sending it anywhere?
Yes, use the checker above. Validation runs in your browser using the ISO 7064 mod-97 algorithm; the IBAN never leaves your device.