SWIFT/BIC codes in Philippines: banks starting with A

Philippines: banks and their SWIFT/BIC codes

Our directory lists 411 banks and financial institutions in Philippines and 456 SWIFT/BIC codes between them. A SWIFT code tells the banks handling a transfer which institution should receive the money.

Select a bank below to view the head office code and its other codes, plus practical notes for sending and receiving money. Below the list you can read how codes from Philippines are built, how to send money to Philippines without overpaying and how to check a code before you pay.

Check the code before you pay

Have the recipient copy their bank details directly from their online banking. A wrong code may lead to a delay, a payment being sent back or extra fees, so compare it with the list on this page.

We collect bank codes using public sources and check our list from time to time. Banks merge, change names and retire codes – a directory can be a step behind. Treat this list as a reference; the recipient’s bank details are leading. GoldexPay is a comparison site for money transfers, not a bank.

Fraudsters often send payment requests carrying changed bank details from what looks like a familiar address. A real SWIFT code says nothing about whether a request is genuine: criminals use real codes too.

SWIFT codes in Philippines: banks under :letter

Here you see a filtered list: just banks in Philippines whose name begins with :letter. The totals on this page cover all 411 banks.

Some banks are listed under their official name, which may start with words like Bank or Banco. The full overview for Philippines remains available if you cannot find the bank here.

Asiatrust Bank and its SWIFT codes

In our data, Asiatrust Bank has the most SWIFT/BIC codes in Philippines. Its head office code is ATDBPHM1XXX.

The number of codes tells you more about how it registers branches and services than about its size. Unless the recipient asks for a branch, ATDBPHM1XXX is fine for a payment to Asiatrust Bank.

Philippines and the Philippine Peso

Most accounts in Philippines are typically held in PHP, the local currency. If you send another currency, it has to be converted somewhere along the way.

Who converts the money matters, because each party uses its own rate. Often you pay less if you send PHP directly via a transfer service with a good rate so the receiving bank does not need to convert again. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Sending money to Philippines for less

What you pay for a transfer to Philippines is made up of several parts. On top of a fixed fee, correspondent banks may deduct a charge, and when the money is converted the bank often uses a less favourable rate than the actual market rate.

That exchange rate margin tends to be the biggest part of the cost. An easy check: put the rate you get against the mid-market rate and look at the difference.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. GoldexPay compares these providers next to each other so you can see what actually arrives in Philippines for the same amount sent.

What a sender needs to pay you in Philippines

A sender in another country will ask for several details from you – incomplete details often cause delays. In practice that means: your name as your bank knows it, your account number or IBAN, the SWIFT/BIC code of your bank and sometimes your postal address.

Your bank’s code appears in the list on this page but always compare it with your own bank details. It helps to add your bank’s name and city as well because some forms have separate fields for it.

What lands in your account can be lower than the amount sent. Correspondent banks can take a fee, your bank may charge for incoming payments, and when currencies differ, an exchange rate margin comes on top. Agree with the sender who pays which costs, especially for larger amounts.

SWIFT transfers to Philippines

For Philippines you will almost always need a SWIFT/BIC code – Philippines is not a SEPA country. Without the BIC, most banks cannot send the transfer at all.

Not every country uses IBAN numbers; in that case the local account number is used instead. Ask the recipient which details their bank needs for incoming international payments – many banks give clear instructions for this. Before it arrives, a payment can go through intermediary banks that take a fee.

What the letters in a Philippines BIC mean

Every SWIFT/BIC code consists of eight or eleven characters in a fixed order. First comes four letters for the bank, then two letters for the country and two characters for the location.

No matter which bank, every code from Philippines have the same fifth and sixth letters. When those two letters do not match Philippines, you are looking at a bank somewhere else, so check again.

When a code ends in XXX, it means the head office and the short version works just as well. Use a branch code only if the recipient explicitly gives you one – otherwise stick with the head office.

Transfer times to Philippines

There is no single delivery time for payments to Philippines: some arrive within a day, others take several business days. Transfers sent late in the day or on weekends and holidays often start a business day later.

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