Bank of Commerce SWIFT code Philippines: PABIPHMMXXX and PayPal bank code

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The Bank of Commerce SWIFT code is PABIPHMMXXX (short form PABIPHMM); its PayPal bank code is 010440016.

Short answer Use PABIPHMMXXX when an 11-character BIC/SWIFT field asks for Bank of Commerce in the Philippines; the bank’s own FAQ prints the eight-character form PABIPHMM. Use 010440016 only for a Philippine bank-code or BRSTN field such as PayPal’s or Upwork’s.

At a glance

• SWIFT code printed by BankComPABIPHMMBank of Commerce FAQ ↗ · checked 2026-10-24
• BIC (11 characters)PABIPHMMXXXPCHC PESONet participant list ↗ · checked 2026-10-24
• BRSTN (bank code for PayPal and Upwork)010440016PayPal ↗ · checked 2026-10-24
• SikapPinoy account number12 digits, printed on the front of the ATM cardBank of Commerce FAQ ↗ · checked 2026-10-24

Bank of Commerce SWIFT and PayPal bank codes

The eight- and 11-character forms name the same bank: the first eight characters are identical, and XXX is the primary-office suffix. If the sending form accepts eight characters, use the bank’s published PABIPHMM. If it requires 11, use PABIPHMMXXX, the form on PCHC’s list.

Give this to the sender

Give this to the sender

• Bank nameBank of Commerce
• BIC/SWIFTPABIPHMMXXX
• Beneficiary namethe name of the person who opened the account
• Beneficiary account numberthe recipient’s own Bank of Commerce account number

Bank of Commerce’s FAQ tells senders to put the account holder, the person who opened the account, as the beneficiary; a common mistake is to enter the name of whoever holds the ATM card. An overseas bank may also ask for an intermediary bank or the bank’s address; ask Bank of Commerce or the sending bank for the route that applies to the currency.

What Bank of Commerce says about remittances

Bank of Commerce’s remittance services page lists these ways to receive money sent from abroad:

The same page describes the SikapPinoy Savings Account for OFWs and their families: no initial deposit, no minimum maintaining ADB (average daily balance), and a ₱5,000 minimum ADB to earn interest. To check InstaPay and PESONet transfers made through BankCom [Personal], the bank’s Remittance Tracker takes the 14-digit reference number without dashes and spaces.

Bank charges, correspondent deductions and exchange rates depend on the sending bank and route. Ask the sending bank for the full quote before sending a large or urgent payment.

BRSTN for PayPal and Upwork

PayPal’s Philippine bank-code PDF and Upwork’s bank-code table both list 010440016 for “Bank of Commerce”. This is not the bank’s SWIFT code.

Do not paste 010440016 into a SWIFT field, and do not paste PABIPHMMXXX into PayPal’s nine-digit bank-code field. The bank-code table compares both routing schemes across Philippine banks; Bank of Commerce is also on the InstaPay participant list.

Before the sender releases the money

1. Confirm the beneficiary name and 12-digit account number from the recipient’s own Bank of Commerce records.
2. Confirm the receiving account can accept the payment currency (peso or US dollar).
3. Use the SWIFT form the sending bank accepts: PABIPHMM or PABIPHMMXXX.
4. Use 010440016 only in a Philippine bank-code or BRSTN field.
5. Ask Bank of Commerce whether an intermediary is required.
6. Review the sender’s fees, exchange rate and delivery estimate.
7. Keep the transaction reference until the funds arrive.

Warning Never share an OTP, PIN, password or card security code. A legitimate transfer instruction does not require those secrets.