Major Banks in Philippines

Philippines's banking system runs on PhilPaSS (Philippine Payment and Settlement System) and InstaPay (instant retail). The country's currency is the PHP. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Philippines.

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Philippines runs its domestic interbank settlement on PhilPaSS (Philippine Payment and Settlement System) and InstaPay (instant retail). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.

Top banks in Philippines: BDO Unibank (BNORPHMM, Makati), BPI (BOPIPHMM, Makati), Metrobank (MBTCPHMM, Makati), Land Bank (TLBPPHMM, Manila).

BDO Unibank — SWIFT/BIC BNORPHMM, headquartered in Makati. Largest Philippine bank; major OFW remittance receiver.

BPI — SWIFT/BIC BOPIPHMM, headquartered in Makati. Oldest Philippine bank; major retail / corporate.

Metrobank — SWIFT/BIC MBTCPHMM, headquartered in Makati. Top-three bank; strong remittance flows.

Land Bank — SWIFT/BIC TLBPPHMM, headquartered in Manila. Government bank; large agricultural lending.

If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.

Key facts

Country: Philippines (PH)
Currency: PHP
Domestic settlement: PhilPaSS (Philippine Payment and Settlement System) and InstaPay (instant retail)
Number of major banks listed: 4
Trackable on Ohmyfin: yes — free via UETR

Frequently asked questions

What are the major banks in Philippines?

The largest banks in Philippines include BDO Unibank, BPI, Metrobank, Land Bank.

What is the SWIFT code for BDO Unibank?

BDO Unibank's primary SWIFT/BIC is BNORPHMM (head office in Makati). Branches use 11-character extensions of this code.

How are domestic payments settled in Philippines?

PhilPaSS (Philippine Payment and Settlement System) and InstaPay (instant retail)

How do I track a SWIFT payment to or from Philippines?

Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Philippines (or the international intermediary) is currently holding the payment.

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Major Banks in Philippines

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