SWIFT/BIC codes in Kosovo

Bank SWIFT codes for Kosovo

Here you will find the SWIFT/BIC codes of 11 banks in Kosovo. Every code identifies an institution or one of its branches and tells other banks where an international payment should go.

Look for the recipient’s bank below and open its page for the full list of codes and the details a transfer needs. Further down you can read how a code from Kosovo is put together, how to send money there at a fair price and how to check a code before you pay.

The cheapest way to send money to Kosovo

What you pay for a payment to Kosovo has several parts, and the fee on your screen is only one of them. On top of a fixed fee, correspondent banks may take a cut, and when the money is converted the bank often applies a rate below the actual market rate.

The markup on the rate tends to be the biggest cost item, even though it is not listed as a fee. A simple test: set the rate you get against the mid-market rate and look at the difference.

Specialised transfer providers frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares what recipients in Kosovo receive across services.

Receiving money in Kosovo from abroad

Someone abroad who wants to pay you will ask for a few details from you, and missing ones are a common cause of delays. Give them the account holder’s name, your account number or IBAN, the BIC of your bank and your address, which some banks require.

Look up your bank in the list on this page – your bank statement is the final word. It helps to add the name and city of your bank as well, since some payment forms ask for it.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. Make clear with the sender who pays which costs before the money is sent.

The largest SWIFT network in Kosovo: Teb Sha

In our directory, Teb Sha holds the largest number of SWIFT/BIC codes of all banks in Kosovo. The head office uses TEBKXKPRXXX – the code most transfers need.

The number of codes says something about how it registers branches and services than about how big it is. If not a branch code is given, the head office code TEBKXKPRXXX works for transfers to this bank.

How SWIFT codes from Kosovo are built

Bank identifier codes use one international format: 8 characters. Characters one to four identify the bank, the fifth and sixth characters are the country code and the next two give the location.

For banks in Kosovo, letters five and six show the two-letter ISO code of Kosovo – that is the quickest way to spot one. Codes with other letters in that position come from another country.

The last three characters, if present, stand for a specific branch; XXX is used for the head office. In most cases the head office code is what you need, unless the recipient gives you a branch code.

How reliable is this list?

The best place to find the right code remains a document from the bank itself, such as a statement or the account page in online banking. When the code you were given does not match the code listed here, stop and ask – contact the recipient or their bank.

We collect bank codes from public sources and check them from time to time. Institutions reorganise, change names and retire codes. Treat this list as a starting point. GoldexPay is a comparison service for money transfers.

Scammers regularly send fake invoices carrying changed bank details from what looks like a familiar address. Always verify a change of bank details by phone.

Paying a bank in Kosovo from abroad

To pay into Kosovo you almost always need a SWIFT/BIC code – Kosovo is not a SEPA country. Without the BIC, most banks will not send the transfer at all.

Depending on the country, the account is identified by a domestic account number rather than an IBAN, sometimes with an extra bank or branch code. Check with the recipient exactly which details their bank requires for payments from abroad. On the way to Kosovo, a transfer can go through correspondent banks that take a fee.

The Euro (EUR) and conversion costs

The currency of Kosovo is the Euro (EUR). If you send another currency, it has to be converted at some point: by your bank, an intermediary or the receiving bank.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Check what EUR the recipient gets via different services. Exchange rates move during the day.

How long does a transfer to Kosovo take?

There is no fixed answer for payments to Kosovo: many arrive the same day or the next. Payments made after the cut-off time or just before a weekend or public holiday usually start a business day later.

When a payment takes longer than expected, the sender should contact the sending bank. Keep your transfer receipt – you will need it if something goes wrong.