Wire transfer is the fastest mode of receiving money in your BDO Unibank, Inc. (Philippines) account from abroad. You can receive money into your BDO Unibank, Inc. account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to BDO Unibank, Inc.

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Philippines) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your BDO Unibank, Inc. account, please provide the following wire instructions to the sending financial institution:

Bank Name:	Banco de Oro (BDO) legally known as BDO Unibank, Inc.
SWIFT BIC Code for BDO Unibank, Inc.:	BNORPHMM
Bank Address:	Bdo Corporate Center 7899 Makati Avenue, Makati City 0726, Philippines
Beneficiary Account Number:	Your complete BDO Unibank, Inc. account number (including leading zeros, if any)
Beneficiary Name:	The full name of your account as it appears on your statement
Beneficiary Address:	Your complete address

Note of Caution on Fees: If your money transfer involves currency conversion, there is a high chance you will get a poor exchange rate from the banks and as a result pay high hidden fees. We recommend services like TransferWise for getting best conversion rates and lower wire transfer fees.

Outgoing International Wire Transfer Instructions

To send international wire transfer from your BDO Unibank, Inc. account, You need to know the following information about the person or company receiving the money:

1. The recipient’s account name and address
2. The recipient’s IBAN or account number
3. The name and address of recipient’s bank – including the BIC (Business Identifier Code) / SWIFT code / clearing code

Incoming Wire Transfer Fees for BDO Unibank, Inc. Philippines

International Incoming Wire Transfer Fees for BDO Unibank, Inc. is as follows:

Payment type	Cost
Incoming Wire transfer Fees	Fees may vary depending on the conditions of your account, the country of destination and the chosen currency.

Outgoing Wire Transfer Fees for BDO Unibank, Inc. Philippines

International Outgoing Wire Transfer Fees for BDO Unibank, Inc. is as follows:

Payment type	Cost
Outgoing Wire transfer Fees	Fees may vary depending on the conditions of your account, the country of destination and the chosen currency.

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for BDO Unibank, Inc. Philippines

1. The Cut-off Time for BDO Unibank, Inc. differs. Please visit your nearest branch for cut-off time.
2. Any requests received after cutoff time will normally be processed the next working day.