Kosovo IBAN: format, length and checker
A Kosovo IBAN starts with XK and has 20 characters. Kosovo is not part of SEPA.
Runs in your browser: nothing is sent to us. Checks length and the ISO 7064 mod-97 checksum.
Structure
| Country code | XK (2 letters) |
| Check digits | 2 digits (mod-97) |
| National account number (BBAN) | 16 characters |
| Total length | 20 |
| SEPA | no |
Check IBANs automatically
The IBAN check API validates IBANs for invoicing, payout and onboarding flows (0.001 USDC per call), and names the bank for Dutch IBANs. Pair it with the company check and sanctions screening.
Questions
How many characters does a Kosovo IBAN have?
20 characters: the country code XK, two check digits, and a 16-character national account number (BBAN).
Is Kosovo in SEPA?
No, Kosovo is not in SEPA; transfers use international payment rails.
Does a valid checksum mean the account exists?
No. The mod-97 checksum catches typos; it does not confirm the account or its holder. In the Netherlands, your bank's name check (Verificatie van Betalingsontvanger) matches the holder.