IBAN format in Kosovo (XK)
An IBAN in Kosovo is 20 characters long and starts with XK. A valid example: XK05 1212 0123 4567 8906. Kosovo does not participate in SEPA.
IBAN structure in Kosovo
| Positions | Meaning | Length | Charset | In the example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | uppercase letters | XK |
| 3–4 | Check digits (IBAN) | 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 |
SEPA status
Kosovo does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
How do I check an IBAN?
Paste the number into the IBAN validator — it checks the MOD-97 checksum and the registered Kosovo length instantly, fully in your browser.
Check an IBAN for free →IBAN formats in other countries
FAQ — IBAN in Kosovo
How many characters does an IBAN in Kosovo have?
A Kosovo IBAN is exactly 20 characters: it starts with "XK", followed by 2 check digits and a 16-character national part (BBAN).
What does a Kosovo IBAN look like?
A valid example IBAN for Kosovo: XK05 1212 0123 4567 8906. This is the official sample from the IBAN registry — real accounts follow the same structure.
Is Kosovo in SEPA?
Kosovo does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
Where can I check an IBAN from Kosovo?
Use the free svcs.bg IBAN validator — it checks the MOD-97 checksum and the registered Kosovo length right in your browser; the number is never sent to a server.
What is inside a Kosovo IBAN?
After "XK" and the 2 check digits come: the bank code (2 digits), the branch code (2 digits), the account number (10 digits), the national check digit (2 digits).
The example IBAN is the official sample from the public IBAN registry (ISO 13616) and passes the MOD-97 check — it is not a real bank account.