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. You can browse every SWIFT code in Kosovo for free. Timing matters too: transfers do not settle on Kosovo bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Kosovo IBAN?
Kosovo IBANs are exactly 20 characters long, starting with XK followed by 2 check digits.
Is Kosovo part of SEPA?
No, Kosovo is not a SEPA country. Transfers are routed as 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.
What is the structure of a Kosovo IBAN?
After the country code and check digits, a Kosovo IBAN contains: 2n bank, 2n branch, 12n account, 2n check.