Banka Kombëtare Tregtare (BKT) SWIFT code is the official identifier for BKT Albania, the country’s oldest and one of the largest banks. The 8-character version is NCBAALTX, while the extended 11-character version is NCBAALTXXXX. Sometimes it is shown as NCBAALTX XXX, but the correct format is always NCBAALTXXXX without spaces.
The registered head-office address for this SWIFT code is:
Banka Kombëtare Tregtare Sh.A., Rruga e Vilave, Lunder 1, Tirana, Albania.
A SWIFT/BIC code is structured into four main parts:
- NCBA → bank code (Banka Kombëtare Tregtare)
- AL → country code (Albania)
- TX → location code (Tirana)
- XXX → branch code (head office)
From this structure, NCBAALTX identifies Banka Kombëtare Tregtare in Tirana. Adding XXX makes it the complete 11-character head-office SWIFT code: NCBAALTXXXX.
Quick reference (copy-ready):
- 8-character SWIFT/BIC: NCBAALTX
- 11-character SWIFT/BIC: NCBAALTXXXX
- Bank: Banka Kombëtare Tregtare Sh.A. (BKT Albania)
- Address: Rruga e Vilave, Lunder 1, Tirana, Albania
- Usage: International transfers to or from BKT Albania accounts
When to use it
Use the Banka Kombëtare Tregtare SWIFT code whenever you are sending funds internationally to a BKT Albania account or receiving money from abroad.
Common mistakes to avoid
- Writing spaces in the SWIFT code (always use NCBAALTXXXX, not “NCBAALTX XXX”).
- Confusing BKT Albania with NCBA Bank (Kenya, Uganda, or elsewhere) due to similar SWIFT prefix.
- Using only the 8-character version when the 11-character code is required by your transfer form.
Step-by-step guide to making a transfer with BKT Albania SWIFT code
- Confirm the recipient’s account name and BKT Albania account number.
- Enter the SWIFT code: NCBAALTX (8-character) or NCBAALTXXXX (11-character).
- Provide the official address: Rruga e Vilave, Lunder 1, Tirana, Albania.
- Select your transfer currency (EUR, USD, GBP, etc.).
- Decide how fees will be covered (sender, recipient, or shared).
- Clearly indicate the purpose of payment (e.g., tuition, business, remittance).
- Double-check all details before submission.
- Save your transfer confirmation and provide the reference to the beneficiary.
Final checklist
✔ Recipient’s details correct
✔ Correct SWIFT code entered (NCBAALTX or NCBAALTXXXX)
✔ Bank address included if required
✔ Purpose of payment clearly indicated
✔ Fees arrangement agreed
By using the Banka Kombëtare Tregtare SWIFT code correctly, you ensure that your international transactions are processed securely, efficiently, and without delays.
