Complete List of Bank Codes and SWIFT Codes Philippines in 2026

If you’re sending money online in the Philippines, you’ll often need two things: bank codes and SWIFT codes. Whether you’re transferring through GCash, Maya, online banking, or receiving international remittances, these codes make sure your money reaches the right account.

This 2026 guide lists the complete and updated codes of major Philippine banks, helping Filipinos avoid delays, failed transfers, or long verification steps.

Complete List of Bank Codes and SWIFT Codes Philippines in 2026

What Are Bank Codes and SWIFT Codes?

Bank Codes

Bank codes in the Philippines are usually 9-digit numeric codes used for ACH transactions like GCash Cash-In, Maya transfers, PayPal withdrawals, or online bill payments.

SWIFT Codes

SWIFT codes, also known as BIC codes, are used for international remittances or sending/receiving money from abroad. These codes help identify the exact bank branch receiving the funds.

Complete List of Bank Codes in the Philippines

Complete List of SWIFT Codes in the Philippines

Tips for Smooth Bank Transfers in 2026

• Double-check the bank code or SWIFT code to avoid delays.
• For PayPal withdrawals, always match your name exactly as written on your bank account.
• If transferring from abroad, ask if the sending bank requires an IBAN (Philippine banks do NOT use IBAN).
• Monitor your bank’s maintenance schedules to prevent failed transactions.

Banking doesn’t have to be complicated. With this complete list of bank codes and SWIFT codes in the Philippines for 2026, you’ll have everything you need for local and international transfers. Save this guide, share it with family abroad, and check out more finance tips on lifeguide.ph.

International money transfers can feel overwhelming, especially when you’re dealing with strict banking requirements and unfamiliar codes. One of the most important details you need is the SWIFT Code of your bank. Whether you’re receiving money from abroad, sending funds to a family member overseas, or processing global business payments, having the correct SWIFT Code makes the transaction smooth and hassle-free.

In this guide, we prepared the updated list of Philippine bank SWIFT Codes for 2026 to help Filipinos skip confusion and complete their remittances without delays.

H2: What Is a SWIFT Code?

A SWIFT Code (also known as Bank Identifier Code or BIC) is an 8 to 11-character code that identifies a specific bank when sending or receiving money internationally. Think of it as a bank’s international ID. Without it, your funds may be delayed or sent to the wrong bank.

SWIFT Code contains eight to 11 characters format:

• Bank Code – Four letters
• Country Code – Two letters
• Location Code – Two letters or two digits
• Branch Code – Last three characters

Why You Need a SWIFT Code

SWIFT Codes are required when:

• Receiving remittances from abroad
• Sending money internationally
• Setting up global payroll or business payments
• Using foreign apps or platforms that require banking details

Entering the wrong code may cause:

• Delayed transfers
• Rejected transactions
• Misrouted funds

Complete List of Philippine Bank SWIFT Codes for 2026

Below is the updated list of major banks in the Philippines and their SWIFT Codes:

Bank SWIFT Codes in the Philippines

Tips Before Sending International Transfers

To avoid any hassle, make sure to:

• Double-check the SWIFT Code with your bank
• Confirm the correct branch name and address
• Provide your full name as shown in your bank account
• Check for transfer fees and expected arrival times
• Ensure your account number is complete and accurate

For more money-saving guides, check out other helpful articles on lifeguide.ph.

If you’re sending money online, claiming remittances, or setting up your payroll account, knowing the bank codes in the Philippines for 2026 makes everything easier. These bank codes are used for fund transfers, bills payment, and online banking, especially when using services like GCash, Maya, or your bank’s mobile app. To help Filipino users avoid delays and failed transfers, here’s an updated and easy-to-read guide to the complete list of bank codes in Philippine banks for 2026.

What Are Bank Codes in the Philippines?

Bank codes are short numeric identifiers assigned to each bank. They’re used for:

• Online fund transfers
• Remittance processing
• Payroll setup
• Auto-debit payments
• Bills payment through apps

These codes prevent errors and help the system route your money to the right bank.

When Do You Use These Bank Codes?

You will need bank codes when:

• Setting payroll accounts with employers
• Transferring funds via Instapay or Pesonet
• Receiving remittances
• Using fintech apps that require bank code selection
• Paying bills through bank apps
• Updating auto-debit arrangements

Tips to Avoid Errors When Using Bank Codes

• Always choose the exact bank name to avoid abbreviations.
• Double-check the branch (for some banks that require it).
• Make sure the account number format matches the bank type.
• For online apps, check if the platform uses bank code or SWIFT code.
• Save frequently used bank codes in your notes for faster transfers.

Complete List of Bank Codes in the Philippine Banks 2026

Whether you’re sending money to family, receiving your salary, or depositing through online banking, knowing the Philippine bank codes for 2026 saves time and prevents transaction errors.

Looking for more money tips? Check out our updated banking and finance guides on lifeguide.ph.

Are you sending or receiving money from the Philippines in 2025? Whether you’re processing a local bank transaction or an international fund transfer, knowing the correct SWIFT codes is essential. These codes ensure your money reaches the right destination quickly and securely.

What is a SWIFT Code?

SWIFT, which stands for the Society for Worldwide Interbank Financial Telecommunication, assigns each bank a unique code. It’s similar to a bank-specific address. When sending money overseas, you include your bank’s SWIFT code along with other information to help lead the money to its intended destination.

In summary, SWIFT codes function similarly to international postal codes for banks, guaranteeing that your money reaches the correct bank in another area of the world.

What is the purpose of the SWIFT Code?

This identification procedure is typically assisted by the utilization of various terms, including Business Identifier Code (BIC), BIC code, SWIFT-BIC, or SWIFT ID.

These designations relate to the unique alphanumeric numbers provided to financial institutions to ensure the authentication and security of financial transactions during interbank communications.

SWIFT Code contains eight to 11 characters format:

• Bank Code – Four letters
• Country Code – Two letters
• Location Code – Two letters or two digits
• Branch Code – Last three characters

Bank SWIFT Codes in the Philippines