What a Philippine Bank Code Is

In the Philippines a bank is identified by its BRSTN, the Bank Routing Symbol and Transit Number. It has 9 digits and names a branch of a bank. The list we found, which PayPal publishes, gives one BRSTN for each of 43 banks, and you can use it as the bank code when a form asks for one. The last digit is a check digit, worked out the same way as on a US routing number: multiply the digits by 3, 7, 1, 3, 7, 1, 3, 7, 1, and the total must end in 0. Every BRSTN in the list passes, and the finder tests a BRSTN you type. In that list the first five digits are different for every bank, so they show which bank a BRSTN is at.

Branch Codes

A BRSTN belongs to one branch, so a different branch of the same bank has a different BRSTN. The list gives only one for each bank, so this page cannot give you a branch's BRSTN. Ask the branch, or read it from a cheque. You do not need a branch code for InstaPay or PESONet.

Payment Networks

InstaPay is the real-time network, run by BancNet, and PESONet is the batch network, run by the Philippine Clearing House Corporation (PCHC). The BSP publishes the participant lists of both. Maya's developer documents describe InstaPay as real-time and available around the clock, with a limit of PHP 50,000 for each transaction, and PESONet as batch processing in business hours, with a limit of PHP 300,000 for each transaction. A bank's own limits can be lower, and they can change, so check them with the bank.

Sending Money to the Philippines From Abroad

A payment from another country normally goes by the receiving bank's SWIFT/BIC code, the account number and the account holder's name. The BICs on this page come from Maya's documents. The finder marks the ones that also appear in the public LEI records, and you should confirm any BIC with the recipient's bank. Check a BIC's format on our SWIFT code checker.

Tips

• Send by InstaPay for small amounts that must arrive at once, and by PESONet for larger amounts that can wait for the next batch.
• E-money issuers such as GCash and Maya, and digital banks, are on the lists too. Check that both your provider and the receiving one take the network you choose.
• Some banks appear with a "Manila Branch" name. These are foreign banks, and the BIC and the address are those of the bank, which may be abroad.

What This Page Uses

Payment networks come from the BSP's lists of PESONet ACH participants and InstaPay ACH participants, both as of 31 August 2026. BRSTNs come from PayPal's Philippines bank code list. BIC codes and the network matrix come from Maya's documentation of financial institution codes. We asked GLEIF, whose LEI data is open under the CC0 licence, about each BIC, and 76 were mapped to a legal entity, which gave the address. We did not find a BSP or PCHC directory of BRSTNs. We last checked on 19 September 2026.

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