What is the SWIFT code for BDO Unibank?

The SWIFT/BIC code for BDO Unibank is BNORPHMM, identifying the bank's head office in Manila, Philippines. Use it as the receiver-bank BIC when initiating an international wire transfer.

Is BNORPHMM an 8- or 11-character SWIFT code?

BNORPHMM is an 8-character BIC — the bank's primary (head-office) code. An 11-character form would append a branch code (often XXX for the primary office).

Where do I find the SWIFT code for BDO Unibank?

It is shown on bank statements and in online banking, or you can ask BDO Unibank directly. You can also decode BNORPHMM in the SWIFT/BIC lookup on this site. Always confirm the code with the receiving bank before sending funds.

What's the difference between BNORPHMM and a routing number?

A SWIFT/BIC code identifies a bank for cross-border payments, while a routing number (ABA) is used for domestic US transfers. For an international wire to BDO Unibank, you need the SWIFT code; for a domestic US transfer you need the routing number.

Bank SWIFT code

BDO Unibank SWIFT Code — BNORPHMM

Manila, Philippines · BIC BNORPHMM

SWIFT / BIC

BNORPHMM

Bank code

BNOR

Country

Location

Branch

XXX (primary office)

Head office city

Manila

BIC length

8 characters (primary office)

What each part of BNORPHMM means

A SWIFT/BIC code is read left to right in four blocks.

BNOR

Bank code

4 letters — the institution (here, the bank prefix)

Country code

2 letters — ISO 3166 country

Location code

2 characters — city/region; a digit often means a test code

XXX

Branch code

3 characters — XXX marks the primary office

BDO Unibank branch code information

The bank-specific identifier on this page is the BNORPHMM BIC base. Its first four characters (BNOR) identify BDO Unibank; the next two (PH) identify Philippines; and the location block (MM) identifies the registered Manila office or processing centre. An eight-character BIC can be written as an eleven-character primary-office code by appending XXX: BNORPHMMXXX. This is the bank's own code pattern, not a generic routing number.

Code form	Meaning for BDO Unibank	When to use it
BNORPHMM	Registered Manila office BIC	Default when the beneficiary gives this code
BNORPHMMXXX	Primary office form with XXX suffix	Forms that require 11 characters
BNORPHMM + 3 letters/digits	A specific BDO Unibank branch BIC	Only after the receiving branch confirms the suffix

Branch suffixes are not safely guessable from a city name. Banks can change branch identifiers, merge offices, or route all inbound wires through a central office. Treat BNORPHMMXXX as the primary-office example and ask BDO Unibank or the beneficiary for any other eleven-character suffix.

How to use this SWIFT code

Use BNORPHMM as the receiver bank SWIFT/BIC code when initiating an international wire transfer to BDO Unibank. Combine it with the recipient's account number and full name. Double-check the code with BDO Unibank or the recipient before sending — branch-specific BICs can differ from the head-office code.

How to send an international wire to BDO Unibank

Ask the beneficiary for their legal name, full address, account number or IBAN, currency, and the exact BDO Unibank BIC. Keep the original spelling.
Choose an international wire or SWIFT payment in your bank's app. Enter BNORPHMM in the receiver-bank SWIFT/BIC field; use BNORPHMMXXX only if the form insists on eleven characters.
Enter the beneficiary account or IBAN without spaces, then provide the bank name (BDO Unibank), city (Manila), and country (Philippines) exactly as requested by the sending form.
Select the payment currency and charges option (OUR, SHA, or BEN). Check correspondent-bank instructions for USD, EUR, GBP, or other currencies because the intermediary can differ from the receiver BIC.
Review the confirmation screen character by character. A single wrong BIC letter, country code, account digit, or beneficiary name can trigger a repair, return, or compliance hold.
Save the payment reference and monitor the status. If the transfer is pending, contact the sending bank first with the reference; the receiver can then trace it with BDO Unibank.

Common BDO Unibank SWIFT mistakes

Head office is not a branch. The eight-character BIC and its XXX version identify the primary office. A branch-specific suffix must come from the beneficiary or BDO Unibank; do not invent one from a postcode.

Country letters matter. The country block in this BIC is PH. A visually similar code with another country block belongs to another legal entity and can send a payment down the wrong compliance route.

SWIFT is not an account number. The BIC identifies BDO Unibank; the IBAN or local account number identifies the customer. Both fields are required for most cross-border payments.

Do not rely on search snippets. Old directories may show a closed branch or an outdated correspondent. Confirm the current code on the beneficiary's statement or directly with BDO Unibank before releasing funds.

A practical checklist for BDO Unibank payments

Before submitting, compare the beneficiary's payment instructions with the BIC shown above, then validate the IBAN when the destination country supports IBAN. Check whether your bank needs an intermediary BIC, a purpose-of-payment code, tax information, or a supporting invoice. Keep a copy of the invoice and the transfer receipt. The receiving bank may ask for source-of-funds evidence, especially for a first payment, a large corporate amount, or a transfer involving a restricted currency. These checks are normal and do not mean the BIC is invalid.

Timing depends on currency, correspondent banks, holidays, cut-off times, sanctions screening, and whether the beneficiary details pass automated validation. A correct BIC cannot guarantee same-day delivery. If funds have not arrived after the quoted window, ask the sending bank for a SWIFT payment trace (often an MT103 or equivalent) and give that reference to BDO Unibank's receiving team.

Receiving money at BDO Unibank

A beneficiary can usually obtain the correct details from a monthly statement, a bank certificate, or the international-payments screen in online banking. Ask for the bank's legal name rather than a brand nickname, the registered city, the BIC, and the account identifier in the format used by the destination country. If the account is held by a company, request the exact registered name and address; a trading name can fail a name screening check even when the BIC is correct. For a personal account, use the name as printed on the identity document or bank record. Keep diacritics and middle names when the sending form supports them.

The BIC is a routing label, not proof that an account exists. It does not reveal the beneficiary, balance, currency, or branch address. Payment systems combine the BIC with account data, beneficiary details, amount, currency, and a purpose or reference. If a sender has only a bank name, stop and obtain the full instructions before sending. A directory result can be useful for identifying the bank prefix, but it should never be treated as a substitute for an account-specific confirmation. This is especially important when a bank has multiple legal entities in the same country or operates a subsidiary with a similar name.

Fees can be deducted by the sending bank, a correspondent, or the receiving bank. OUR generally asks the sender to cover charges, SHA splits them, and BEN deducts them from the beneficiary's amount; availability varies by bank and currency. Exchange rates are also set by the institutions processing the payment. Before confirming, compare the quoted fee, rate, expected arrival window, and the amount the beneficiary should receive. For recurring invoices, store the verified BIC and beneficiary record in your banking address book, but re-confirm it after a merger, account change, or unusual payment request. Fraudsters often send replacement instructions from a look-alike email address.

When a payment is returned, the reason is often a mismatched name, invalid account format, missing intermediary detail, unsupported currency, or a compliance review. Ask the sending bank for the exact reject or return code and the payment message reference. The beneficiary should ask BDO Unibank whether the funds reached an internal suspense account and what documents are needed for release. Do not send a second payment until the first one is traced; duplicate wires are difficult to recover and can create a second compliance review. Once the bank confirms the correction, resend only the fields that were wrong and keep the original reference with your records.

All Philippines SWIFT codes Open in SWIFT code lookup →

BDO Unibank SWIFT code FAQ

What is the SWIFT code for BDO Unibank?: The SWIFT/BIC code for BDO Unibank is BNORPHMM, identifying the bank's head office in Manila, Philippines. Use it as the receiver-bank BIC when initiating an international wire transfer.
Is BNORPHMM an 8- or 11-character SWIFT code?: BNORPHMM is an 8-character BIC — the bank's primary (head-office) code. An 11-character form would append a branch code (often XXX for the primary office).
Where do I find the SWIFT code for BDO Unibank?: It is shown on bank statements and in online banking, or you can ask BDO Unibank directly. You can also decode BNORPHMM in the SWIFT/BIC lookup on this site. Always confirm the code with the receiving bank before sending funds.
What's the difference between BNORPHMM and a routing number?: A SWIFT/BIC code identifies a bank for cross-border payments, while a routing number (ABA) is used for domestic US transfers. For an international wire to BDO Unibank, you need the SWIFT code; for a domestic US transfer you need the routing number.

⚠️ BIC data reflects the head-office code from public bank disclosures. Branch-specific SWIFT codes may differ — confirm with BDO Unibank for exact routing before sending funds.