BDO Unibank SWIFT Code: BNORPHMM

The SWIFT/BIC code for BDO Unibank is BNORPHMM. BNOR identifies BDO, PH stands for the Philippines, and MM is the Manila location code. This code handles international wire transfers to BDO accounts throughout the Philippines.

BDO Unibank is the Philippines' largest bank by total assets, total deposits, and market capitalization. It operates over 1,600 branches and 4,400 ATMs. The SM Group (Henry Sy family) is the controlling shareholder.

PHP Remittances and Overseas Worker Transfers

The Philippines receives roughly $35 billion in overseas remittances annually, making it one of the world's top remittance destinations. BDO captures a large share of these inflows through BNORPHMM. Major source corridors are the US, Saudi Arabia, UAE, Hong Kong, and Singapore.

Incoming PHP wires settle within 1 to 2 business days through the Philippine Clearing House Corporation (PCHC). BDO charges PHP 100 to PHP 200 for incoming international wire transfers. The bank converts USD, AED, SGD, and HKD at its daily posted retail rate.

BDO's Branch Network Across the Philippines

BDO's branch network covers every Philippine province, making it the go-to receiving bank for overseas Filipinos sending money home. The bank also handles BPO (business process outsourcing) industry payroll — the Philippines' BPO sector employs over 1.5 million people and generates $30+ billion in revenue.

For corporate clients, BDO processes trade-related wires for electronics assembly, agricultural exports (coconut, banana, pineapple), and services income. The bank's corporate banking SWIFT traffic skews heavily toward USD-PHP conversions.

How Slash fits in

Slash tracks PHP wire transfers through BDO and matches remittance and trade payment data across your Philippine banking relationships. USD-PHP conversion details are captured for cash flow reporting.

BDO Unibank SWIFT Code: BNORPHMM