Kosovo IBAN format
| Country code | XK |
|---|---|
| IBAN length | 20 characters (2 country letters, 2 check digits, 16-character BBAN) |
| Structure | XKkk bbss cccc cccc cccck = check digits, b = bank code, s = branch/sort code, c = account number, x = national check digits or other |
| Registry BBAN format | 4!n10!n2!n (e.g. 8!n = exactly 8 digits; a = letters; c = letters or digits) |
| Format example | XK25 1234 5678 9012 3456Illustrative only: right structure and valid check digits, not a real account. |
| SEPA | No – Kosovo is not one of the core SEPA countries. Payments are usually sent as international (SWIFT) transfers; check the EPC list of SEPA countries for the latest status. |
What the parts mean
| Positions | Characters | Meaning |
|---|---|---|
| 5–8 | 4 digits | Bank code |
| 9–18 | 10 digits | Account number |
| 19–20 | 2 digits | Account number (continued) |
Paying an IBAN in Kosovo
For international transfers your bank will usually ask for the BIC/SWIFT code of the receiving bank too. Accounts are usually in euro.
Writing the IBAN in groups of four (XK25 1234 …) is the usual print format; online banking and payment files use it without spaces.