What is the Kosovo IBAN format?

Kosovo IBANs start with XK, followed by 2 check digits, then a 16-character BBAN encoding the bank code, branch code, and account number.

Kosovo is not a SEPA member. International transfer fees and timelines apply.

Kosovo IBAN Format

Q: How long is a Kosovo IBAN?

A Kosovo IBAN is 20 characters long.

20-character IBAN · EUR Euro

A Kosovo IBAN is 20 characters long and always begins with the country code XK, followed by two check digits. The next 2 characters are the Bank Code. This is followed by the Branch Code (2 characters). The remaining 10 characters identify the individual account number. The Kosovo IBAN uses the EUR (Euro) and is not part of the SEPA zone, so international transfer fees and timelines apply.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Non-SEPA

Example IBAN

XK05 1212 0123 4567 8906

XK Country

05 Check Digits

12 Bank Code

12 Branch Code

0123456789 Account Number

06 Check Digits

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	XK
3–4	2	Check Digits	n	05
5–6	2	Bank Code	n	12
7–8	2	Branch Code	n	12
9–18	10	Account Number	n	0123456789
19–20	2	Check Digits	n	06

n = numeric only (0–9) a = alphabetic only (A–Z) c = alphanumeric (0–9, A–Z)

XK is a user-assigned ISO 3166-1 alpha-2 code for Kosovo, not officially assigned.

Validate a Kosovo IBAN

Paste a Kosovo IBAN below to check it.

Kosovo IBAN Regex Pattern

^XK\d{2}\d{2}\d{2}\d{10}\d{2}$

Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).

PHP

$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^XK\\d{2}\\d{2}\\d{2}\\d{10}\\d{2}$/', $iban)) {
    // Invalid Kosovo IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^XK\d{2}\d{2}\d{2}\d{10}\d{2}$/;
if (!pattern.test(iban)) {
  // Invalid Kosovo IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^XK\d{2}\d{2}\d{2}\d{10}\d{2}$'
if not re.fullmatch(pattern, iban):
    # Invalid Kosovo IBAN format

These snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.

How to Find Your Kosovo IBAN

Kosovo accounts are traditionally identified using: Bank Code (2n) + Branch Code (2n) + Account Number (10n) + Check Digits (2n). Your IBAN encodes these same components in the standardised international format.

1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
2
Bank statement — Your Kosovo IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most Kosovo banks display the IBAN prominently in account settings.
4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.

Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.

Sending Money to Kosovo

Kosovo is not a SEPA member. Transfers require both an IBAN and a BIC/SWIFT code. Expect 2–5 business days and a SWIFT correspondent fee (typically $10–$40 USD via a traditional bank). Using a specialist service like Wise or Revolut can significantly reduce these fees.

What to provide

Recipient's full name
IBAN (20 characters, starts with XK)
BIC / SWIFT code
Recipient's bank address (some banks)

Typical transfer time

2–5 days

Via SWIFT network. Specialist services (Wise, Revolut) are often faster and cheaper than traditional bank wires.

Kosovo uses EUR but is not an EU or SEPA member. Kosovo's country code XK is not an official ISO 3166-1 code but is widely accepted. Always include BIC for international transfers.

Compare transfer services for Kosovo

Specialist services typically charge significantly less than high-street banks for international transfers.

Wise — Low fees, real exchange rate ↗ Revolut — Fast transfers ↗

Central Bank

Central Bank of Kosovo

https://www.bqk-kos.org ↗

← Kazakhstan Kuwait →

Quick Facts

IBAN Length: 20 chars
Country Code: XK
Currency: EUR
SEPA: No
BBAN Format: 4n10n2n
IBAN Required: mandatory
Adopted: 2014