Philippine National Bank SWIFT/BIC code

What PNBMPHMM means for a payment to Philippine National Bank

Whether a recipient gives you PNBMPHMM or PNBMPHMMXXX, it is the same identifier for Philippine National Bank in Philippines. Every bank on the SWIFT network uses these codes to direct international transfers to the right institution. It comes up mainly when dealing with transfers between countries.

This page is meant to help people who receives money at an account at Philippine National Bank. The BIC names an institution, never a single account, which is why you always need the account number too.

8 or 11 characters: PNBMPHMM versus PNBMPHMMXXX

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code. Combined, those parts make up PNBMPHMM.

Many payment forms work with either length. If a form asks for eleven characters, enter PNBMPHMMXXX.

Enter the code in one piece, in capitals and without separators. Pasting the code is safer than typing it by hand, because one wrong letter changes the bank.

Getting paid from abroad into a Philippine National Bank account

Someone abroad who wants to pay you will ask for a few details from you – incomplete details often cause delays. The basics are: your name, account number or IBAN, PNBMPHMMXXX or PNBMPHMM and often your home address.

Some sending banks also ask for the address of Philippine National Bank in Manila; it does no harm to include it. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always land for the full amount. Fees for incoming transfers vary per bank; check the price list of Philippine National Bank. On invoices, you can state who bears the costs to avoid a shortfall.

Tracking a transfer to or from Philippine National Bank

There is no fixed delivery time for international payments: many arrive within a day while others need several business days. Payments made after the cut-off time or just before a weekend or public holiday usually start a business day later. Compliance checks on larger or unusual payments may also cause a delay, even when all details are correct.

When a payment takes longer than expected, ask the sending bank about the tracking status. Money transfer services often provide tracking in their app showing how far the payment has got.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it rather than Philippine National Bank. Ask the sender for the payment receipt including the reference.

A note on our data

This directory is based on public sources and is updated regularly. Institutions reorganise, close branches and change codes – a directory can be a step behind. Counts and locations are from our own dataset and may differ from what Philippine National Bank publishes.

Before any payment of any size, always confirm the code with Philippine National Bank or the recipient. GoldexPay is independent of Philippine National Bank, we only compare transfer services. If you notice a mistake, we welcome a message via the contact page.

International transfers from Philippine National Bank: the real cost

The price of an international transfer has several parts, and the transfer fee is only the most visible one. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate.

The real cost is often in the rate: many banks convert at a rate with a margin built in. Check their rate with the mid-market rate; the gap is what conversion costs you.

Specialised transfer providers often use rates closer to the mid-market rate. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. You can still use your account at Philippine National Bank to fund the transfer, while a cheaper service handles the conversion.

Before you send: check the Philippine National Bank code

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match PNBMPHMM or PNBMPHMMXXX, stop and ask: check with the recipient or with Philippine National Bank directly.

Mistakes in the BIC tend to be annoying more than disastrous: often the payment comes back, minus fees. An error in the IBAN or account number is more serious.

A validity check in your banking app only tells you that the code is valid. More and more banks check the payee name with the account before you confirm; take any warning seriously. For a first payment, some people start with a small test amount before sending the rest.

Philippine Peso (PHP) and conversion costs

The national currency in Philippines is the Philippine Peso (PHP). When you pay money in a different currency, the amount gets converted somewhere along the way. Each conversion costs something.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Often you pay less if you send PHP straight away via a transfer service with a good rate.

Exchange rates change all the time, and some providers let you lock in a rate. On larger amounts, a seemingly small gap in the rate adds up quickly.

Which of the 2 codes of Philippine National Bank do you need?

Our directory lists 2 SWIFT/BIC codes for Philippine National Bank in 1 cities. Besides the head office code PNBMPHMMXXX, there are codes for individual branches and departments.

In most cases there is no need to look up a branch: transfers sent to PNBMPHMMXXX reach Philippine National Bank without problems. A branch code only makes sense when the account holder specifically asks for it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to change than the head office code.

Watch out for payment fraud

A common scam goes like this: you receive a message saying that a supplier now has a new bank account. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. When money has already gone to the wrong account, call your bank right away.

Fraud can also target the receiver. Someone claims to have sent too much and asks you to refund the difference via a different route. A payment confirmation from the sender is no proof; only your own account shows what has arrived.