The primary SWIFT code for Philippine National Bank (PNB) is PNBMPHMMXXX, used for the main office in Manila. However, PNB also uses different SWIFT codes for specific divisions and services, so it’s important to confirm the exact branch or department before making an international transfer.
🔎 How to Use These Codes
- For general transfers: Use PNBMPHMMXXX unless instructed otherwise.
- For treasury-related transactions: Use PNBMPHMMTOD.
- For other branches/divisions: PNB may assign unique SWIFT codes. Always verify with the recipient or directly with PNB before sending funds.
⚠️ Important Notes
- SWIFT vs. Fees: While SWIFT is the global standard for international transfers, banks often charge high fees and may offer less favorable exchange rates. Services like Wise (formerly TransferWise) can be cheaper alternatives for cross-border payments. Bank Codes
- Double-check with PNB: Because codes vary by service, confirm with your recipient or PNB’s customer service to avoid delays or misrouted transfers.
- Format reminder: SWIFT codes are typically 8–11 characters long. The first 4 identify the bank, the next 2 the country, the next 2 the location, and the last 3 (optional) the branch.
✅ Actionable Tip: If you’re sending money to a PNB account, ask the recipient for the exact SWIFT code of their branch or division. Using the wrong code can delay or block your transfer.