Land Bank of The Philippines SWIFT/BIC code

What TLBPPHMM means for a payment to Land Bank of The Philippines

TLBPPHMM and TLBPPHMMXXX are the short and the long form of the same SWIFT/BIC code, and both point to Land Bank of The Philippines in Manila. A SWIFT code shows every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. It comes up mainly for payments that cross a border and payments in foreign currencies.

Below we go through the practical side: receiving money at Land Bank of The Philippines, sending money abroad and how to verify the code before you hit send. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

What to give a sender who pays you at Land Bank of The Philippines

If you expect a payment from another country, send the payer everything they need in one go. What they need is: your name, account number or IBAN, TLBPPHMMXXX and in many cases your home address.

You can include Land Bank of The Philippines and its city too, because some payment forms have separate fields for them. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive is often less than the amount sent. Charges on incoming payments differ per bank – the price list of Land Bank of The Philippines tells you what applies. For business payments, you can state who bears the costs.

When will the money arrive at Land Bank of The Philippines?

There is no single answer: some land the same day or the next. Payments made late in the day or just before weekends and holidays often go out the next business day. Compliance checks by one of the banks may also add some delay, even when all details are correct.

If a transfer is delayed, ask the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide tracking online showing where the payment is.

The bank that sent the money can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to look at your statements to see a partial amount.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources. It can happen that information on this page is no longer current. Counts and locations come from our own dataset.

Use our data as a starting point, not as the final word: the recipient’s bank details come first. GoldexPay has no connection to Land Bank of The Philippines; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a message via the contact page.

Watch out for payment fraud

Be alert if someone unexpectedly wants you to send money to another account or a bank in another country. That TLBPPHMM is a real code does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Always confirm a change of bank details by phone. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Do not act before the money has really arrived.

What a transfer from Land Bank of The Philippines abroad really costs

A bank transfer abroad costs more than the listed fee. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank often uses a rate below the actual market rate.

The real cost is often in the rate: many banks convert at a rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares transfer providers side by side, showing the amount the recipient gets for the same amount sent. Choosing a specialist does not require leaving Land Bank of The Philippines – you pay the provider from your own account.

Why Land Bank of The Philippines has an 8- and an 11-character code

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six show the country and characters seven and eight indicate the location. That gives you TLBPPHMM.

XXX at the end of TLBPPHMMXXX does not stand for a placeholder or a mistake: it indicates the head office of Land Bank of The Philippines. Certain payment forms ask for 11 characters, and then you simply enter XXX behind TLBPPHMM.

Type the code in one piece, in capitals and without spaces, exactly as shown here. Pasting the code is safer than retyping it.

Choosing between the 6 SWIFT codes of Land Bank of The Philippines

We have 6 SWIFT/BIC codes for Land Bank of The Philippines in 6 cities. Next to the head office code TLBPPHMMXXX, there are codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use TLBPPHMMXXX. Only use a branch code when your contact explicitly asks for it.

The best way is to copy the code directly from the recipient’s invoice. Codes can change when banks reorganise, so do not rely on old paperwork.

Paying into Land Bank of The Philippines in PHP

Accounts at Land Bank of The Philippines are usually held in PHP, the national currency of Philippines. Money sent in a different currency is converted into PHP, and whoever converts it chooses the rate. You rarely see a separate line for the conversion.

Who converts the payment makes a difference, because each party uses its own rate. In many cases you pay less if you send PHP straight away through a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The PHP rate fluctuates constantly, so the amount you see is usually only valid for a short time. On larger amounts, even small gap in the rate can be worth more than the fee.

Verifying the SWIFT code of Land Bank of The Philippines

Ask the recipient to copy their account details straight from their banking app. When the code you were given does not match TLBPPHMM or TLBPPHMMXXX, do not guess: check with the recipient or with Land Bank of The Philippines directly.

A wrong SWIFT code may lead to delays, a returned payment or additional charges along the way. Do not forget the account number: a mistake there can be more difficult to undo than a wrong BIC.

Most online banking apps validate the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the payee name against the account before you confirm; take any warning seriously. When you pay someone new, many people send a small amount first before sending the rest.