BNORPHMMXXX is built from four parts: BNOR identifies BDO Unibank, PH marks Philippines as the country, MM points to the City of Makati, Metro Manila location, and XXX designates the head office.
Bank Name | BDO Unibank |
|---|---|
| SWIFT/BIC code | BNORPHMMXXX |
| Bank address | BDO Corporate Center 7899 Makati Avenue |
| City | City of Makati, Metro Manila |
| Country | Philippines |
A SWIFT/BIC code is how the international banking network identifies and locates the receiving institution. Any transfer headed to a BDO Unibank account in the Philippines needs this code to be processed and delivered correctly.
Recipients can find their BDO Unibank SWIFT code on a bank statement or through their BDO online banking account.
Ask your recipient to share their bank account transfer details, including their account number. Their bank statement or BDO online banking portal are the quickest places to look.
BDO Unibank branches across the Philippines may have location-specific codes. If the branch code hasn’t been confirmed, the head office code BNORPHMMXXX should also work for most transfers.
You choose the bank name, and Western Union will identify the SWIFT code you need. Simply provide your recipient’s info, fund your transfer, and send.
SWIFT codes are 8 to 11 characters long, and each segment carries a specific meaning:
BNOR represents BDO Unibank Philippines.
PH stands for the Philippines.
This indicates the bank’s city or regional office, MM in this case for Makati City, Metro Manila.
These identify a specific branch, and when they read XXX, the code refers to the bank’s head office.
If you don’t have a branch-specific code, the main BDO Unibank Philippines SWIFT code is BNORPHMMXXX.
The Western Union app was designed to fit around your routine, not the other way around.
Rating as of May 2026
Yes. You need a BDO Unibank SWIFT code when sending money to someone with a BDO Unibank account. The transfer cannot be processed without one. The primary SWIFT code for BDO Unibank is BNORPHMMXXX.
Your recipient is the best source. BDO Unibank customers can locate their branch SWIFT code through online banking or on a recent bank statement. Western Union’s bank codes guide is also available as a reference.
No. BDO Unibank branches may each have their own designated code, so using the correct one matters. If the branch-specific code isn’t available, BNORPHMMXXX covers most transfers as the head office code.
Most Philippine banks that handle international transfers are registered in the SWIFT network and use SWIFT codes to direct your transfer. Other countries may require different codes, such as an IBAN code. For more on how transfer codes work, see our guide on SWIFT codes vs. IBANs.
This content is for informational purposes only. Western Union does not require you add bank codes when performing an international money transfer.
