Generate Random IBAN

Kosovo IBAN generator

IBANs in Kosovo have 20 characters and start with XK. The one below is random, follows the national structure and passes the MOD-97 check, so form validation accepts it. No bank issued it.

Format

XK051401389720547670

New IBAN
  1. Country XK
  2. Check digits 05
  3. Bank code 14
  4. Branch code 01
  5. Account number 3897205476
  6. National check 70
Generate a list Up to 100 IBANs, as CSV, JSON, SQL or plain text

In CSV, JSON and SQL, every IBAN segment (bank, branch, account, check digits) gets its own column.

MOD-97 valid

Realistic mode: real bank code, random account number. No bank issued this IBAN, but it could match a real account by chance. Never use it for payments.

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Paste an IBAN from any country to check its length, format and check digits.

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Kosovo IBAN format

Length, pattern and the position of each segment in XK IBANs, with a sample IBAN.

IBAN length 20
BBAN length 16
BBAN pattern 4n10n2n
Structure XKkk bb ss cccccccccc xx
Example, electronic XK051212012345678906
Example, print XK05 1212 0123 4567 8906
Letters in the BBAN None, digits only
National check digits Positions 19–20
IBAN check digits Always XK05
Source SWIFT IBAN Registry, Release 102 (June 2026)

Position by position

Segment Positions Length Example
Country 1–2 2 XK
Check digits 3–4 2 05
Bank code 5–6 2 12
Branch code 7–8 2 12
Account number 9–18 10 0123456789
National check 19–20 2 06

In the pattern, n stands for a digit, a for an uppercase letter and c for a letter or digit. The number before each letter is how many characters that block has.

National check digits

Besides the two IBAN check digits, XK IBANs carry national check digits inside the BBAN, at positions 19–20. They come from the domestic account number and follow a national rule.

They use ISO 7064 MOD 97-10, the same method as the IBAN check digits, applied to the digits in front of them: 98 minus the remainder of that number, times 100, divided by 97.

This generator calculates them with the official algorithm, in both modes, so validators that check them accept the IBANs on this page.

Because of this check, the whole BBAN always leaves the same remainder when divided by 97, so every valid XK IBAN has the same IBAN check digits: XK05.

Source: Central Bank of the Republic of Kosovo (BQK).

How national check digits work

Real bank codes in realistic mode

In realistic mode, the default, the generator takes the bank code from this list and keeps the account number random, so no bank issued these IBANs. With Realistic off, the bank code is random too.

Bank Bank code Branch code
ProCredit Bank 11 00
Raiffeisen Bank Kosovo 15 01
NLB Banka 17 00
Banka Kombëtare Tregtare 19 00
TEB 20 11
Banka për Biznes 13 00
Banka Ekonomike 14 01

What to test with XK IBANs

  • Accept exactly 20 characters for XK, after removing spaces, and reject 19 or 21.
  • Digits only after the check digits: a validator for XK should reject any letter there.
  • For a negative test of the national check, change the character at position 19 and recalculate the IBAN check digits (the validator suggests them). The IBAN then passes MOD-97 but fails the national check.
  • Ready-made invalid values for negative tests: XK051212012345678907 (last character changed, MOD-97 fails) and XK05121201234567890 (one character missing).
  • Bank directory checks: by default the generator uses real bank codes such as 15 (Raiffeisen Bank Kosovo), and random ones with Realistic off, so you can test a known and an unknown bank.

About IBANs in Kosovo

Kosovo IBANs are 20 characters long: a 2-digit bank code, a 2-digit branch code (00 for the main branch), a 10-digit account number and 2 national check digits, all numeric. The national check uses MOD 97-10, so the IBAN check digits are always 05. The format was registered in 2014 with XK, which is not an official ISO 3166 code. The IBAN is also mandatory for domestic transfers.

Questions about IBANs in Kosovo

How long is an IBAN in Kosovo?

20 characters: the country code XK, two check digits and a national part (BBAN) of 16 characters.

What does an IBAN from Kosovo look like?

For example XK05 1212 0123 4567 8906. That is the print format, in groups of four. Forms and files usually take it without spaces: XK051212012345678906.

Can Kosovo IBANs contain letters?

No. After the check digits, XK IBANs contain only digits: the BBAN pattern is 4n10n2n.

Where is the bank code in Kosovo IBANs?

The bank code, at positions 5–6: 12 in the registry example. The branch code is at positions 7–8 (12). By default (realistic mode) the generator uses real bank codes, such as 11 for ProCredit Bank.

Will a test IBAN for Kosovo pass validation?

It passes the checks most forms run: country code, length, character format and MOD-97 check digits. The national check digits inside the BBAN are computed with the official algorithm, so a validator that also checks them accepts this IBAN. In realistic mode, the default, the bank code is real too, so a bank directory check accepts it. An account lookup or a payee name check will not confirm it, because the account number is random.

Can I use a generated Kosovo IBAN to sign up for a service or receive money?

No. It is test data that no bank issued to you. Money sent to it is rejected or, if the number happens to belong to someone, reaches a stranger, and using it for a sign-up, a free trial or a direct debit is misuse. Your own IBAN is in your banking app and on your statements.

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