BDO Correspondent Banks for Sending Money to the Philippines

November 2, 2010 · Filed Under Banks, BDO, OFW 

Updated April 7, 2013

Here’s a list of BDO correspondent banks for Filipinos, OFWs and other persons abroad who want to send money to the Philippines through a WIRE TRANSFER or TELEGRAPHIC TRANSFER to a BDO account.

In many cases, wire transfers or telegraphic transfers are more expensive than other remittance or money transfer services, so if there are no valid reasons why you need to use wire transfers, check if there are other ways to send money to the Philippines in your place of work, business or residence. These money transfer services could be cheaper, and also faster, and at the same time as secure and as safe as the banks.

If you’re sending to a BDO client, you can check if there are BDO Remit partners or BDO remittance agents in your area. Other options are MoneyGram and Wells Fargo ExpressSend, which are both BDO partners. You can also use Western Union if you’re depositing to a BDO account.

If you need to use a WIRE TRANSFER to send money to a BDO account, you need the following information:

  • BDO Swift Code is BNORPHMM.
  • Name of your recipient, spelled exactly the same as the name on his/her BDO account
  • BDO account number of your recipient
  • Address of your recipient
  • Address of the BDO branch of your recipient (some banks require complete address; others require just the country and city)
  • Your name
  • Your address
  • Your bank account number (Most banks require that you have an account with them before you can send a wire transfer.)
  • Amount to be sent
  • Telephone numbers of both sender and recipient (required by some banks)

BDO Correspondent Banks

CITY BANK Currency
New York Citibank NA U.S. Dollars
New York Deutsche Bank Trust Company Americas     U.S. Dollars
New York JPMorgan Chase Bank NA U.S. Dollars
New York Standard Chartered Bank U.S. Dollars
New York The Bank of New York Mellon U.S. Dollars
New York Wells Fargo Bank U.S. Dollars
San Francisco   Bank of America NA U.S. Dollars
London Barclays Bank PLC British Pounds
London HSBC Bank PLC British Pounds
London Citibank NA Swiss Francs
Frankfurt Deutsche Bank AG Euros
Frankfurt Standard Chartered Bank (Germany) Euros
Toronto Royal Bank of Canada Canadian Dollars
Melbourne Australia and New Zealand Banking Group Australian Dollars
Tokyo Standard Chartered Bank Japanese Yen
Tokyo Wells Fargo Bank Japanese Yen
Singapore Oversea-Chinese Banking Corp. Ltd. Singaporean Dollars
Hong Kong Banco De Oro Unibank Inc. Hongkong Dollars

Here are the Swift Codes or BIC Codes for the banks above:

Correspondent Bank Swift Code or BIC Code
Citibank, New York CITI US 33
Deutsche Bank, New York BKTR US 33
JPMorgan Chase, New York CHAS US 33
Standard Chartered, New York SCBL US 33
Bank of New York Mellon, New York IRVT US 3N
Wells Fargo, New York PNBP US 3N NYC
Bank of America, San Francisco BOFA US 6S
Barclays Bank,London BARC GB 22
HSBC, London MIDL GB 22
Citibank, London CITI GB 2L
Deutsche Bank, Frankfurt DEUT DE FF
Standard Chartered, Frankfurt SCBL DE FX
Royal Bank of Canada, Toronto ROYC CA T2
Australia and New Zealand, Melbourne     ANZB AU 3M
Standard Chartered, Tokyo SCBL JP JT
Wells Fargo, Tokyo PNBP JP JX
Oversea-Chinese Banking, Singapore OCBC SG SG
Banco De Oro, Hong Kong BNOR HK HH

BIC means Bank Identifier Code. This is the code for the bank in financial transactions done through telecommunication systems.

The Swift Code consists of 8 or 11 characters. SWIFT refers to Society of Worldwide Interbank Financial Telecommunication, an organization that assigns codes to track wire transfers.

Related Articles:
BDO Kabayan Savings, BDO Remit Cash Card for OFWs
Use of BDO Kabayan ATM and BDO Debit ATM Cards Outside the Philippines
BDO Remittance Partners in California
BDO Remittance Partners in London, England, Other Cities
BDO Remittance from Australia — Money Transfer to the Philippines



66 Responses to “BDO Correspondent Banks for Sending Money to the Philippines”

  1. Rhej on February 12th, 2013 11:45 am

    good morning po.. just want to ask how long would my third party account enrollment be activated. Already activated via a code at atm, but it’s not yet activated online. Need to send money asap. God bless

  2. Nors on February 13th, 2013 9:44 pm

    Hi Rhej, sorry I’m not sure now how long you have to wait. Before, it took me 24 hours I think. If you need to send now, and the activation is taking long, you better deposit over the counter. There’s a fee for interregional deposit. God bless too

  3. GWEN on March 5th, 2013 8:07 pm

    Please helped me i had a money transfer from australia, he sent it last february 25th 2013,, its 7 days now and its not on my account on BDO.. Please helped me how to sort out this matter, i try to call the BDO and its said they dont know when it will on my account since the bank in australia is not correspondents on BDO..

    if its possible i can still recieve the funds?
    how many days more i will wait?

    please helped me,


  4. Nors on March 6th, 2013 12:22 am

    Hi Gwen, as long as your sender wrote your banking details correctly, you will receive your funds. It might take a longer time if he used wire transfer at a bank which is not a BDO correspondent. A third bank will be used. It could be a 3rd bank in the U.S. If 10 or 12 days have passed and you don’t have your money yet, tell your sender so he can ask his bank.
    If you can, suggest to your sender to use remittance companies affiliated with BDO.

  5. Nicole on April 1st, 2013 7:53 pm

    Hello po

    I opened a kabayan account in Phils. before I went here to dubai. I would transfer money to the said account. How much would be the charge of BDO on every transaction-deposit?

  6. Nors on April 1st, 2013 9:29 pm

    Hi Nicole, BDO gets its share from its remittance partners, so it depends on the remittance company. Remittance fees range from 18 to 28 dirhams.

  7. aizer on April 20th, 2013 9:34 am

    Hello po ask ko lang po kng galing qatar magsend for instance saturday po then magsend thru bdo accounts hindi napo ba kailangan mag clearing or sabihin 2 working days pa bago matanggap or ma withdraw ang money?or directly could be received once pgdeposit in just a min. makuha na po ba? kasi sabado kasi ngaun dito ask ko lang po thanx.

  8. Nors on April 20th, 2013 11:54 am

    Hi aizer, I think it will take until Monday before your remittance can be available if you remit to a bank account. If the money is needed today, I suggest you use Western Union for cash pickup. Fee might be 25 qatar riyals

  9. sha on April 30th, 2013 2:18 pm

    hi po ask ko lng pg 9am time sa jeddah dineposit un pera sa acct.ko sa bdo possible ba na mamayang gabi mawithdraw ko na?

  10. Nors on April 30th, 2013 9:35 pm

    Hi sha, I hope you already inquired at the atm and the money is there already. It depends on the remittance company used. Puedeng within the hour, within the day or the next day.

  11. jerlie on May 8th, 2013 8:39 pm

    good evening po..ask ko lng po kung panu po makakapag sent ng pero bank to bank .kasi po asa norway po ung mag papadala . .anu po ba ang kailangan .salamat po

  12. Nors on May 9th, 2013 6:12 am

    Hi jerlie, if your sender likes bank-to-bank, what he will do is to request for a wire transfer at his bank. Send him the BDO swift code = BNORPHMM , your BDO account name, account no., and branch.

  13. Joy on May 10th, 2013 4:06 am

    Hi, good day!

    I’m working in Saudi Arabia, I’d like to know if there’s a way to open an BDO account here in Jeddah KSA?

  14. Nors on May 10th, 2013 6:38 am

    Hi Joy, here are BDO Remit desk offices and remittance partner companies in Saudi Arabia Ask them about opening a BDO Kabayan account.

  15. jerlie on May 17th, 2013 4:38 pm

    gandang hapon po . kng mag sent po ba saakin ung nasa norway kailangan pa po ba na my account siya sa bdo para mKa pag sent po siya saakin ng pera…salamat po …

  16. Nors on May 17th, 2013 9:17 pm

    Hi jerlie, yes, your sender can send you money through BDO even if your sender has no BDO account, or even if you have no BDO account. Ang mangyayari is you will pick up the cash at BDO. Your sender can send through Moneygram or Coinstar.
    If your sender has a bank account in Norway and you also have a bank account, he/she can also send you money through wire transfer. You will send your bank name, account name, account no., type of account, swift code and branch.

  17. Editha on May 23rd, 2013 7:14 pm

    Hi Nors,

    Gud day, ask ko lng po aside from the money remitances here my bank here ADCB have free service from money transferr from there online banking, hw much nmn po ang charge from BDO like correspondence charge and how long,

  18. Nors on May 24th, 2013 1:41 am

    Hi Editha, wire transfers might be more convenient for you, as you can do this online if your bank allows online application for wire transfers, but I think wire transfers from UAE to the Philippines is more expensive than using BDO remittance partners. One reason is that BDO does not have a correspondent bank in UAE, so a third bank will be used, and this means another layer of fees. List of BDO remittance partners in UAE

  19. Glen on May 24th, 2013 5:32 pm

    Good Day! Ako po ay nsa Jubail KSA, ask lng po ako kung pano mag open ng savings account at kung anong bangko. Tnx!

  20. Nors on May 25th, 2013 7:33 am

    Hi Glen, BDO is offering its Kabayan account abroad. Al Zamil in Jubail is in the list of BDO remittance partners in KSA Just ask Al Zamil if it offers BDO Kabayan opening. Bring your IDs, passport and iqama.

  21. Jane on June 13th, 2013 12:54 am

    Hello Good evening po! Mayroon po kumalat na balita sa FB tungkol sa isang BDO branch kung saan me may savings account, Im working abroad at nasa akin po ang passbook ko. Natatakot po ako sa balita mahirap din pong mag ipon ng cash dito sa abroad di rin po safe. Tanong ko po paano ko po matitiyak na totoo o tsismis lang ang balita. If mag tanong me sa branch tungkol dito possible ba na magsabi sila ng totoo. Sa pagkakaalam ko malaking company bank ang BDO possible kayang magsara? Plese reply in my personal email address. Thanks

  22. Jane on June 13th, 2013 1:23 am

    Good evening!Im one of BDO bank depositor presently work here in abroad. I just want to clarify regarding some issue that scatteredin FB it said that one branch of BDO where I have an account was closed soon for the reason that they said one the employee of the bank embezzled million of cash. Please help us how we can clarify this issue, if we talk to the personnel of the said bank branch is that possible that they will tell the throught if ever how will we know that BDO is secure please reply in my personal email account mentioned above. Thanks Iam so bottered regarding this issue.. please help us….

  23. Nors on June 13th, 2013 7:38 am

    Hi Jane, I have not heard of that rumor. If that employee embezzled millions of pesos, BDO can cover that. Remember the US financial crisis in 2008 when Lehman Brothers collapsed, and BDO invested millions in dollars in this investment firm? BDO lost millions, in US dollars, but it did not collapse. It even grew faster and surpassed both BPI and Metrobank. It now has more than 1 trillion pesos in total assets.
    Besides, your deposit is insured with the PDIC up to 500k. If something happens, PDIC will cover your BDO deposits up to 500k (if you have several BDO accounts, the balances are added together).

  24. wayne on June 25th, 2013 12:01 am

    low po ask q lang po kung ang BDO kbyan saving account pwde po ba akong mag deposit sa HSBC account dito sa brunei??

  25. Nors on June 25th, 2013 2:19 pm

    Hi wayne, do you mean depositing to your BDO Kabayan in the Phil using your HSBC account in Brunei? Puede, pero you’ll pay a higher remittance fee because bank wire transfer will be used, and HSBC Brunei is not a BDO correspondent bank. Here’s a list of BDO remittance partners in Brunei.

  26. Berna on July 12th, 2013 12:58 am


    Ask ko lng. I am expected a money from Australia. I send my dollar account and swift code and other details from my bdo dollar account. Ask ko Lang kung automatic bang macoconvert from aud to usd na pinadala? Or babalik sa sender yung money?

    Thank you for your reply.

  27. Nors on July 13th, 2013 6:50 pm

    Hi Berna, foreign remittances are automatically converted into pesos when they’re deposited into peso accounts, so I think your AUD remittance will be automatically converted into US dollars since your account is a USD account. To be sure, please call BDO 631-8000

  28. Toni on July 30th, 2013 4:39 pm

    Hi! Ano po requirements pag magwwire transfer ng pera from Botswana to BDO here in Philippines? At saka magkano po kaya yung fee?

  29. Nors on July 31st, 2013 8:49 am

    Hi Toni, can you go to this BDO remittance partner? UAE Exchange Botswana, Riverwalk Shopping Centre Branch Unit No III, River Walk Shopping Centre, PO Box AD749, Gaborone, Botswana. Kapag wire transfer, it’s more expensive because the bank there will send the money through one or 2 banks to remit to BDO. Magtanong ka rin kung allowed ang Western Union diyan to send money out of Botswana.

  30. Rose on August 31st, 2013 11:30 pm

    Hi good evening! Just wanna ask lang po kung affiliated ng Chase Bank of Harbor Blvd. in Costa Mesa and BDO Phil.? i mean pwede ba mgsend ng money ung chase bank account holder through BDO?

  31. Nors on September 1st, 2013 6:21 pm

    Hi Rose, hindi siya correspondent ng BDO, although yong New York branch ng JPMorgan Chase ay BDO correspondent. Pero puede ka pa ring mag-wire transfer from your Chase bank; meron lang dagdag sa remittance fees kasi gagamit ng third bank (BDO correspondent bank). Other BDO remittance partners are Wells Fargo, Lucky Money and Moneygram.
    If you like, you can use XOOM and transact online. My U.S. employer has been paying my monthly salary through XOOM for almost 2 years now. You can check out XOOM

  32. arvie on September 6th, 2013 5:35 pm

    Hi po, ask ko lang po sana if BDO Cash card can accept remittance via abroad? Thanks po..

  33. Nors on September 6th, 2013 5:54 pm

    Hi arvie, yes, puede, basta hindi yan payroll cash card. Sabihin mo rin yong limit ng load ng card mo, kung 10k or 25k, baka sobra ang ipadala niya, hindi maideposit.

  34. yejoh on October 1st, 2013 5:59 am

    good day… my husband send money last wednesday from barclays bank to my bdo account..i just want to know how long will it takes? what exact day i will receive the amount…thank u…

  35. Nors on October 1st, 2013 10:34 am

    Hi yejoh, sori I can’t give the exact date. It might take 3 to 5 business days or more, since this is a wire transfer. Is this from London? This should be fast since Barclays in London is a BDO correspondent bank.

  36. yejoh on October 1st, 2013 4:01 pm

    yes my husband send the money from barclays bank at england last wednesday…may i know if when its possible will i receive the amount…? thank you..

  37. anne on October 26th, 2013 1:51 am

    Makukuha ko po ba agad ung pera na ipinadala sa akin galing saudi gamit ang cash card ko?

  38. Nors on October 26th, 2013 7:20 am

    Hi anne, check the atm the next day. Or within 3 days.

  39. kepoi on November 1st, 2013 4:05 pm

    Hello po. Magtatanong po sana ako kung saan ang address ng Wells Fargo at Standard Chartered Bank sa tokyo japan? Balak ko po sana mag padala ng pera sa BDO account ng misis ko. at mag kano po charge nila kung magpapadala ako ng 140,000 yen? at ilang araw po bago nya matanggap? Maraming salamat po.

  40. Nora on November 1st, 2013 7:43 pm

    Hi kepoi, click this list of BDO remittance partners in Japan About rates, I’m not sure, but based on research, the remittance fee for 42,000 yen ranges from 1,000 to 2000 yen. If through banks, it will take 2 to 5 days.

  41. elvie u. on November 2nd, 2013 12:42 am

    Hello po, yesterday oct31 nagsend nang money yung husband ko from jeddah, to my bdo savings account, hanggang ngayon nov1 wala pa, posible bang may connection ang holidays dito sa pinas? Kaya hindi pa napasok ung pera? Thanks po..

  42. Nora on November 2nd, 2013 2:11 pm

    Hi elvie, it seems that’s the reason. Or the remittance company. Try the BDO Remit inquiry at For holiday remittances, sometimes it’s better for your husband to remit for Cash Pickup, so you can get it at SM Remit or Business Centers or other BDO partners.

  43. sandra bazar on November 4th, 2013 4:18 pm

    good afternoon how can i know my account number cause my passbook is broken i need to know cause my mother need it for my remittance what site do i need.Thank you

  44. Nora on November 4th, 2013 6:23 pm

    Hi sandra, you need to go to BDO in person so you can ask for your account no. Since you’re abroad, you can send money to your mother via Cash Pickup at any BDO branch or at BDO Remit counter at SM department store.

  45. Gen on January 9th, 2014 3:42 am

    Hello po. Nagpadala po ako ng pera sa BDO account ng sister in law ko from my german bank account thru wire transfer. Pero hanggang ngayon hindi nya ma withdraw ang pera dahil sabi dw ng taga Bdo sa atin na tie-up po dw yung pera. Hindi ko po alam kung saan mag e-inquire. Nagtanong na kami sa banko namin dito pero wala din silang alam. Sabi ng sister in law ko nakapasok naman dw po ang pera sa atm pero nasa Current Balance siya at wala sa Available Balance kaya hindi nya ma withdraw. Ako daw ang dapat umayos dito sa Germany. Hindi namin alam kung paano at saan kami ma i-inquire sa tie-up na yan. Please help me po, sayang po kasi yung pera pambili pa naman sana yun ng gamot. Thank you po.

  46. Nora on January 9th, 2014 1:44 pm

    Hi Gen, meron na bang 1 week? If your bank is not Standard or Deutsche (BDO correspondent banks in Germany), your bank used another bank (a BDO correspondent, maybe in Germany or another country) to transfer your money, so it will take some time. Baka available na ngayon.

  47. monchie mejia on January 14th, 2014 9:36 pm

    how can we apply kabayan savings at singapore?? she had applied last june 2013 here at phils. but there is still no transactions after that. now my wife wants to use her account but shes afraid it is closed now.

  48. Nora on January 17th, 2014 6:37 am

    Hi monchie, go to a BDO Remit partner in Singapore and ask. Lucky Plaza: A-Express Remit, Brunphil Express, Kabayan Remittance, Metro Remittance or Pinoy Express. Meron ding BDO representative office sa 27-63 One Raffles Place, Office Tower 2

  49. Shiela on January 17th, 2014 9:40 pm

    Hello po,
    Ano po ang correspondent bank n`yo sa UK. Meron po kasing magpadala sa akin from Barclays, kaya lang wala po akong account sa BDO. Ano po ang pwede kung gawin?

  50. Nora on January 17th, 2014 11:43 pm

    Hi Shiela, nasa list sa itaas: Barclays mismo, at HSBC and Citibank. Puede kang mag-open ng atm savings account with 2k pesos. Or Kabayan with 100 pesos kung meron kang foreign remittance receipt (any remittance company). Puede ring magpadala siya through UAE Exchange UK and send to your name and address for cash pickup at BDO.

  51. Joseph on February 3rd, 2014 11:19 pm

    I have a savings account in BDO but i did not remit almost a year it is possible to close….. keep in touch to my email address that i given pls i need you help…. thanks best regards…

  52. Nora on February 4th, 2014 9:31 am

    Hi Joseph, kapag Kabayan siya at 1 year na siyang walang foreign remittance, at walang laman, most likely closed na siya. Kapag merong laman na 5k or more, active pa siya. If it’s a regular atm savings account, 2k lang ang maintaining balance requirement, so active pa siya kung ang balance niya is 2k or more.

  53. christine on February 5th, 2014 5:21 am

    hi, i sent money thru remittance center here in ksa in my bdo account many times already..but this time i didnt enter the exact name (incomplete) not the same on my bdo account i forgot to put my middle name, but my account number is correct,will i recievd my remittance on my account?thank you

  54. Nora on February 5th, 2014 8:37 am

    Hi christine, did you write your first name and surname exactly the same as in your BDO account? If yes, your remittance will be deposited in your account. Ang important ay first name and surname and account no. Ang hindi madeposit ay kapag isinulat mo ang middle name mo tapos hindi matched sa middle name sa account.

  55. angel on February 6th, 2014 6:01 am

    Hello ask ko lng po ano, ano po b ang intermediary swift code ng bdo? Kasi po hindi makapagpadala ang asawa ko. Ang swif code po ba at intermediary swif code ay magkaiba?

  56. Nora on February 6th, 2014 1:24 pm

    Hi angel, BDO’s swift code is BNORPHMM. If your husband remits at a bank which is not a correspondent bank of BDO, then that bank will need a third-party bank to connect to BDO, but the transaction should be between that bank and the 3rd-party bank. They should be the one knowing the intermediary swift code.
    For a lower-cost and faster remittance, I suggest that your husband finds a BDO remittance partner in the country where he works, or the remittance partner of other Philippine banks like BPI or Metrobank. Where does your husband works?

  57. Strawberry batiquin on February 27th, 2014 4:42 pm

    Hi mam ask ko lang kasi yung asawa ko nasa San Francisco USA .. San po kaya sya pwde mag padala ng pera sa akin na direct na dun sa BDO account ko dito sa pilipinas . Sa western union kc cya nagppdla mahal ang bayad ..

  58. Nora on February 28th, 2014 12:38 am

    Hi Strawberry, if your husband has a US bank account or credit card, he can send to your account through XOOM . Remittance fee starts at $5. My US affiliate is paying me via XOOM. Other BDO remittance partners there are Wells Fargo bank, Lucky Money, Sigue Money, Xpress Money, Uniteller, TransFast.

  59. arvin on March 7th, 2014 10:47 pm

    i need some help.. anu poh ba ung roaming bank number.. anu po iyon.. help nmn po..

  60. Nora on March 8th, 2014 8:35 am

    Hi arvin, did you mean bank’s routing no.? This is used when using wire transfer or bank-to-bank transfer to send money through a bank in the U.S. Most of the time, dapat enough na yong swift code, pero if the routing no. is required, check here:
    Dito ang swift code:

  61. Chona Burke on March 11th, 2014 10:39 pm

    Hi, may tanong po ako gusto ko mg open ng BDO account ditto sa US. Pano po gawin yun, kasi meron ako mga transaction sa Pinas na kailangan doon e deposit and cheque. Pero at this moment wala po ako bank account doon sa pinas. If any one has similar experience of me, please need help. Thank you so much.

  62. Nora on March 12th, 2014 4:22 pm

    Hi Chona, you can ask these BDO remittance partners in New York if they’re offering Kabayan account opening: Many BDO partners abroad are offering this account. I linked to a New York list because you have a New York IP address; comment again if you’re not in New York.

  63. tenten on March 13th, 2014 9:12 pm

    ask ko lang po pano mag open ng BDO account dto sa Riyadh KSA at anong contact details para makapag inquire, salamat

  64. Nora on March 13th, 2014 11:35 pm

    Hi tenten, bring your passport and other IDs at BDO remittance partners

  65. Aye on March 31st, 2014 8:30 pm

    Hi Nora, I will be using Moneygram here in Netherlands to send Euros in the Philippines. Would you know if my relative can pick it up in the same currency at a BDO branch?

    Thanks in advance.

  66. Nora on April 2nd, 2014 10:56 am

    Hi Aye, sorry I’m not sure. I’ve received only pesos when getting Moneygram remittances from BDO. But I’ve received US dollars from BDO if sent via Xoom. I checked the Moneygram website and they said you must tell Moneygram if you want your recipient to receive your euro remittance in euros — the remittance fee will be be higher. And then tell your recipient to tell BDO that you paid for a payout in euros.
    BDO offers a euro savings account, so they must have available euros all the time. Sometimes, in my case, before they allow me to get mine in dollars, they ask if I have any BDO account.

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