Metrobank’s SWIFT code, its bank code for PayPal and Upwork, and what a sender abroad needs.
Short answer Metrobank’s SWIFT/BIC code is
MBTCPHMM, writtenMBTCPHMMXXXin the 11-character form, published by Metrobank’s own Tokyo branch. A sender abroad needs that code, the bank name as Metrobank prints it, your account name and your account number. PayPal and Upwork ask for a different number, the nine-digit BRSTN010269996.
At a glance
- SWIFT/BIC
MBTCPHMM, 11-character formMBTCPHMMXXXMetrobank Tokyo Branch ↗ ·- BRSTN (bank code for PayPal and Upwork)
010269996PayPal ↗ ·- IBANnone; Philippine banks do not use the IBAN systemGoTyme Bank ↗ ·
What the sender needs
The code comes from Metrobank itself, through its Tokyo branch, whose remittance FAQ prints “8-digit SWIFT Code: MBTCPHMM 11-digit SWIFT Code: MBTCPHMMXXX” together with the bank name “METROPOLITAN BANK AND TRUST CO.” (Metrobank Tokyo Branch ↗ · ). The same code appears on PSBank’s remittance page, where PSBank, a Metrobank subsidiary, lists Metrobank Ayala Center among its own correspondents (PSBank ↗ · ).
Give this to the sender
- Bank name
METROPOLITAN BANK AND TRUST CO.- SWIFT/BIC
MBTCPHMM, orMBTCPHMMXXXif the form needs 11 characters- Bank addressYour branch address, as shown on your Metrobank account documents
- Account nameYour complete Metrobank account name
- Account numberYour Metrobank account number
Sending banks vary in what they demand: GoTyme Bank’s help page tells customers that some banks also ask for the receiving bank’s registered address or a correspondent bank code and that the sender should confirm which (GoTyme Bank ↗ · ). Metrobank customer care, as printed on the Tokyo branch FAQ, is customercare@metrobank.com.ph and +632-88-700-700.
Routing number, IBAN and the BRSTN
MBTCPHMM routes an international wire. The nine-digit number PayPal and Upwork ask for is domestic: Upwork defines the BRSTN as the Bank Routing Symbol Transit Number and asks for the head office code. Both Upwork’s table and PayPal’s Philippine list print 010269996 for Metropolitan Bank and Trust Company (Upwork ↗ · PayPal ↗ · ). You pick or enter it when you add your Metrobank account on the platform.
There is no IBAN for a Philippine account. GoTyme Bank states that “Philippine banks, including GoTyme Bank, do not use the IBAN system” and that SWIFT is used instead (GoTyme Bank ↗ · ).
Receiving from PayPal and Upwork
| Item | PayPal withdrawal to a bank | Upwork Direct to Local Bank |
|---|---|---|
| Code to enter | BRSTN 010269996 | Head office BRSTN 010269996 |
| Fee | ₱50 when the withdrawal is below ₱7,000; no fee above ₱7,000 where no currency conversion is involved | US$0.99 per withdrawal, plus incoming fees at some banks |
| Minimum | — | US$5 or higher, depending on location |
| If the details are wrong | Funds are returned to the PayPal balance and a return fee may apply | Bank codes and account numbers cannot be edited; a new payment method has to be added |
PSBank, documenting the same PayPal withdrawal into an account of its own, says the transfer request is rejected when the first name and surname on the PayPal account differ from the bank account name (PSBank ↗ · ).
How long it takes
- PayPal standard withdrawalusually 1 business day, up to 3 to 5 business daysholidays are not business days (PayPal ↗ · )
- PayPal review holdup to 72 hoursPayPal may hold a withdrawal for further review before releasing it (PayPal ↗ · )
- Upwork Direct to Local Bankwithin four business daysa withdrawal started after 12:00 noon UTC misses same-day processing (Upwork ↗ · )
Warning Take a code from Metrobank, not from a code-directory site or a message. PayPal returns funds when a request carries incomplete or incorrect details, with a return fee possible (PayPal ↗ · ). Metrobank customer care is customercare@metrobank.com.ph and +632-88-700-700.