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IBAN Structure Kosovo

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

Kosovo's IBAN has 20 characters in the format XKkk BBBB CCCC CCCC CCKK. After the country code XK and the check digits come a 4-digit bank code (including a branch identifier), the 10-digit account number and two national check digits. Kosovo uses the euro unilaterally as its currency but is neither an EU member nor a SEPA participant. Transfers from the euro area therefore run over classic SWIFT despite the euro currency — a BIC is required, and foreign-transfer fees can apply. The SEPA rate that applies within the euro area does not apply here.

Overview

CountryKosovo (XK)
IBAN length20 characters
FormatXKkk BBBB CCCC CCCC CCKK
Example IBANXK05 1212 0123 4567 8906

Visual breakdown

Example IBAN:

XK051212012345678906
Country codeCheck digitsBank codeAccount numberNational check digit(s)

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeXK2XK for Kosovo (ISO 3166-1)
Check digits052Two check digits per MOD-97
Bank code121244-digit bank code (incl. branch identifier)
Account number01234567891010-digit account number
National check digit(s)0622-digit national check digits

Example IBAN for Kosovo

The IBAN below illustrates the format for Kosovo. It is fictitious and shown for illustration only.

XK05 1212 0123 4567 8906

20 characters · Format XKkk BBBB CCCC CCCC CCKK

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Frequently asked questions

How many characters does an IBAN in Kosovo have?
An IBAN in Kosovo has exactly 20 characters. It consists of the country code XK, two check digits and the national account number (BBAN) with 16 characters.
How is a Kosovo IBAN structured?
The IBAN in Kosovo follows the format XKkk BBBB CCCC CCCC CCKK. XK is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: XK05 1212 0123 4567 8906.
What happens if I enter a wrong IBAN for Kosovo?
Thanks to the built-in check digits (MOD-97, ISO 7064), most typos in an IBAN are detected automatically. The bank rejects a malformed IBAN and the transfer is not executed. Always check an IBAN carefully against your records before you send a payment.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K