PHCBPHMA — BANGKO SENTRAL NG PILIPINAS

The SWIFT code PHCBPHMA identifies BANGKO SENTRAL NG PILIPINAS in CITY OF MANILA, Philippines. This head office code is used for cross-border payments and SWIFT network routing.

The 8 or 11 characters of PHCBPHMA are parsed as follows: characters 1-4 (PHCB) represent the bank code for BANGKO SENTRAL NG PILIPINAS; characters 5-6 (PH) indicate the country code for Philippines; characters 7-8 (MA) specify the location code; and the final characters (—) designate the specific branch.

PHCBPHMA is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for BANGKO SENTRAL NG PILIPINAS in CITY OF MANILA, Philippines. Our directory records come from an open community compilation last updated in 2024, so listing is not confirmation of current status — SWIFT does not publish a free live status feed. Always confirm the code with the beneficiary bank before sending funds.

BANGKO SENTRAL NG PILIPINAS is registered in CITY OF MANILA, Philippines. While specific street-level coordinates are not published for this record, payments route to its registered municipality in Philippines.

An 8-character BIC (BIC8) identifies an institution's primary head office, while an 11-character BIC (BIC11) specifies a distinct branch or department. Appending 'XXX' to PHCBPHMA forms the conventional head-office branch suffix; both formats route validly on the network.

Yes. PHCBPHMA is the primary 8-character head office code for BANGKO SENTRAL NG PILIPINAS. When a specific branch BIC is unknown, payments directed to PHCBPHMA (or PHCBPHMAXXX) route to the central head office for internal distribution.

SWIFT codes like PHCBPHMA identify the bank institution, while IBANs (ISO 13616) identify the individual customer account. Within SEPA (ECB SEPA), IBANs are sufficient for routing; outside SEPA, both SWIFT BIC and account number are typically required.

Using an incorrect code can delay transfers, cause payment returns, or route funds to an incorrect institution. Correspondent banks along the route may charge return processing fees, and currency conversion losses may occur. Always verify details with the beneficiary.

International SWIFT wires typically settle within 1 to 5 business days, depending on time zones, clearing cut-offs, correspondent hops (BIS CPMI), and compliance checks.

When sending and receiving banks lack direct clearing accounts, transfers route through intermediary correspondent banks (BIS CPMI) that maintain shared Nostro/Vostro accounts. Each hop may deduct a handling fee.

PHCBPHMA routes international cross-border transfers. Domestic clearing arrangements vary in Philippines; confirm with the beneficiary bank before sending funds. SWIFT/BIC codes handle international wire entry.

This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.

Confirm the exact BIC and account details directly with your beneficiary, verify beneficiary bank name match, and beware of invoice fraud. Reference directories are for verification support.