SWIFT/BIC Code for Union Bank of the Philippines

Union Bank of the Philippines’ primary SWIFT code is UBPHPHMMXXX. Union Bank may use additional SWIFT/BIC codes for specific banking services, so confirm the right one with your recipient or the bank directly before you send.

Send money to Philippines

UBPHPHMMXXX

UBPHPHMMXXX includes four parts: UBPH identifies Union Bank of the Philippines as the bank, PH designates the Philippines as the country, MM points to Metro Manila as the location, and XXX designates the main branch.

Union Bank of the Philippines SWIFT code details

Bank Name

Union Bank of the Philippines

SWIFT/BIC codeUBPHPHMMXXX
Bank addressUnionBank Plaza, Meralco Avenue, Ortigas Center
CityPasig City
CountryPhilippines
Send money to the Philippines - Western Union

Why do I need a Union Bank SWIFT code?

A SWIFT/BIC code is what tells the global banking network where to send your money. Think of it as a verified address for the receiving bank. To send funds to a Union Bank of the Philippines account, you’ll need the code UBPHPHMMXXX.

 

Your recipient can find their Union Bank of the Philippines SWIFT code on a recent bank statement or by logging into their online banking account.

Send money to the Philippines - Western Union

Send money with Western Union

Send money now

How to find a local branch SWIFT code for Union Bank

Start with your recipient

Ask for their Union Bank account number and the SWIFT code. They can find both on a recent bank statement or through Union Bank’s online banking portal.

Look up the branch SWIFT code

Individual Union Bank branches may use a unique code for their location. If a branch code isn’t available, the head office code UBPHPHMMXXX works as a reliable default for most transfers.

Complete your transfer with Western Union

Once you have the correct bank account transfer details, enter them at checkout and Western Union will route the funds to the right account. When you choose the destination bank, Western Union will match the correct SWIFT code for you.

Union Bank of the Philippines SWIFT Code in the Philippines

Understanding SWIFT codes

SWIFT codes are 8 to 11 characters long, and each segment carries a specific meaning. Here’s how the swift code for Union Bank of the Philippines breaks down:

 

1 – Bank code (4 letters)

UBPH represents Union Bank of the Philippines.

 

2 – Country code (2 letters)

PH stands for the Philippines.

 

3 – Location code (2 letters or numbers)

Points to the bank’s city or regional hub — MM for Metro Manila in this case.

 

4 – Branch code (3 character)

Identifies a specific branch. When it reads XXX, the code refers to the bank’s head office.

 

If your recipient doesn’t have a branch-level code, UBPHPHMMXXX will typically route the transfer to the right place.

Send money with our mobile app

The Western Union app to send money makes transferring funds to the Philippines simple. Handle everything from your phone, on your own schedule.

 

  • Save your recipient’s details so future transfers are ready to go in just a few taps.
  • Start a transfer in the app and finalize it at a Western Union location near you.
  • Keep an eye on exchange rates and send when the timing feels right.
  • Follow your transfer from start to finish with real-time status updates.

 

Download the app

4.8/5
4.7/5

Rating as of May 2026

Frequently asked questions

Do I need a SWIFT/BIC code for international money transfers to Union Bank?

Yes. Without a SWIFT code, an international transfer to a Union Bank account in the Philippines cannot be processed. For most transfers, UBPHPHMMXXX is the default code.

How do I find a SWIFT code for Union Bank?

The most reliable way is to ask your recipient directly. Union Bank customers can find their branch SWIFT code on a recent bank statement or through online banking. Western Union’s bank codes guide is also a useful reference.

Do all banks in the Philippines have a SWIFT code?

Most banks that process international transfers in the Philippines are part of the SWIFT network, but not all. Banks without a SWIFT code typically rely on a correspondent bank to handle cross-border payments. For a closer look at how bank codes operate, see our guide on SWIFT codes vs. IBANs.

Is a SWIFT code the same for all branches?

Many banks assign unique SWIFT codes to individual branches. If your recipient can’t confirm a branch-specific code for Union Bank, the head office code UBPHPHMMXXX is a reliable fallback for most transfers.

This content is for informational purposes only. Western Union does not require you add bank codes when performing an international money transfer.