PhilippinesPHPPhilippine Peso
Philippines' OFW infrastructure is among the most developed in the world: BDO, BPI and Metrobank receive SWIFT transfers daily. Russians transfer PHP to Philippines to OFW diaspora and partners via SWIFT + account number (IBAN does not apply) - Philippines has not imposed sanctions against Russia. GCash works only for residents: from Russia you need an account at BDO (BNORPHMM), BPI (BOPIPHMM) or Metrobank (MBTCPHMM).
The route, the receiving bank and the payout amount are agreed before payment.
Philippines is a country with one of the most developed infrastructures for receiving international money transfers: over 10 million Overseas Filipino Workers (OFW) send money home annually, and the volume of such transfers is tens of billions of dollars, representing about 9% of the country's GDP. Philippine peso (PHP) is not included in the IBAN ISO 13616 registry, so international transfers use the bank's SWIFT/BIC, account number and recipient's name. Major banks include BDO Unibank (BNORPHMM), BPI — Bank of the Philippine Islands (BOPIPHMM), Metrobank (MBTCPHMM) and state-owned Landbank (TLBMPHMM).
Due to the developed OFW infrastructure, BDO, BPI, Metrobank and other banks regularly handle international SWIFT transfers, but the possibility of a specific payment from Russia depends on the bank, correspondent chain and AML/KYC checks. ATM24 verifies the available route through correspondent banks in advance. Philippines has not joined EU sanctions packages against Russia, but international transfers still undergo standard banking compliance. GCash is the country's largest mobile wallet, widely used for domestic transfers and payments; for direct international transfers from Russia, banking routes are typically used. ATM24 commission starts from 0.9%. Settlement time is several business days and is confirmed when submitting the application.
PHP. BDO, BPI, Metrobank issue Visa and Mastercard. Filipino banks accept international transfers to debit cards. Details: recipient's Visa or Mastercard number. Commission from 0.9%. Timing and route - confirm with ATM24 manager
PHP. No IBAN - you need the bank's SWIFT code and account number. BDO, BPI and Metrobank accept international SWIFT transfers. SWIFT code: BNORPHMM (BDO), BOPIPHMM (BPI), MBTCPHMM (Metrobank). Account number and recipient's name (in English). Commission from 0.9%, confirm route with ATM24 manager
PHP cash through agreed points. Developed network of remittance agents across the country. Receipt of PHP at agreed pickup points in Philippines. Commission from 0.9%. Pickup locations - confirm with ATM24 manager
To transfer to Philippines you need the bank's SWIFT code, account number and recipient's name (IBAN does not apply). GCash and Maya are only for residents. Recipient's name should preferably be in English (as in passport). Confirm the route with ATM24 manager.
We accept RUB, USD, EUR and USDT — we pay out in PHP
RUB PHP
0.6767per 1 RUB
10 000 ₽ = 6 767 PHPUSD PHP
60.03per 1 USD
100 $ = 6 003 PHPEUR PHP
66.19per 1 EUR
100 € = 6 619 PHPUSDT PHP
60.03per 1 USDT
100 USDT = 6 003 PHP| You send | Payout in PHP |
|---|---|
| 100 USDT | 6 003 PHP |
| 300 USDT | 18 010 PHP |
| 500 USDT | 30 016 PHP |
| 1 000 USDT | 60 032 PHP |
| 5 000 USDT | 300 161 PHP |
Where recipients usually get the money in Philippines
Type: Private (largest by assets); Accepts transfers from Russia: Yes (BNORPHMM - route to confirm)
Type: Private (Metropolitan Bank and Trust); Accepts transfers from Russia: Yes (MBTCPHMM - route to confirm)
Type: Private (Bank of the Philippine Islands, one of the oldest); Accepts transfers from Russia: Yes (BOPIPHMM - route to confirm)
Land Bank of the Philippines — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
PNB Philippine National Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
National currency is Philippine peso (PHP); 1 peso = 100 sentimo.
Card systems
Visa and Mastercard are the main international systems. BancNet is the national ATM network uniting most banks in the country. JCB is present due to tourist traffic from Japan. OFW money transfers represent about 9% of GDP and create sustained demand for international channels.
Payment applications
GCash is the country's largest mobile wallet, and Maya (formerly PayMaya) is another popular digital payment service; they are mainly used for domestic payments and transfers, and foreign user access depends on registration, local phone number and KYC requirements.
Interbank transfers
SWIFT is used for international transfers. IBAN format does not apply in Philippines: you need the bank's SWIFT/BIC, account number and recipient's name. PhilPaSSplus is an RTGS system for large interbank settlements in real time.
Financial regulator
Bangko Sentral ng Pilipinas (BSP) is the central bank and main financial regulator. BSP licenses banks, non-bank financial organizations and e-money operators. SEC regulates the securities market.
Features for ATM24
Transfers to Philippines for individuals require specifying the purpose of the transfer. ATM24 verifies details, including recipient's full name and address, before confirming the transfer.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Only timing stated for an available method is shown. The terms are confirmed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Manager Emil got in touch immediately after we sent the request, was constantly available and told us what to do. The money was delivered quickly, everything honest, they literally saved us from hunger in Pattaya. If, God forbid, you, like us, are left without a penny of foreign currency and only have rubles on a card — definitely contact them, the rate is reasonable and they work promptly. I recommend!
Read full reviewGuys, you're awesome! Special thanks to manager Egor, I was left in Bali without cash, sent rubles, withdrew rupees from an ATM. Everything super clear! Huge thanks
Read full reviewYandex
I exchanged money through Stanislav in Dubai, just super! The best!!! Support 24/7
Read full reviewYandex
Functional exchange. From the first message in chat to receiving the money it took 45 minutes. Would like a better rate for small amounts, but this is a really workable method on Samui. Manager Alisa, thanks!
Read full reviewVery convenient, several exchange methods, now I have a trusted exchanger. Thanks to operator Elena!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Philippines - Philippine peso (PHP), no IBAN. Below are answers to common questions about money and transfers.
To send money to the Philippines with payout in PHP through ATM24, decide between bank payout, card payout, GCash, or Maya where available. ATM24 checks BDO Unibank, Metrobank, BPI, or the selected wallet route, then confirms the PHP amount, fee from 0.9%, and timing before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
A PHP transfer to the Philippines can be checked for bank account, card payout, GCash, or Maya depending on the route. ATM24 verifies the recipient details for BDO Unibank, Metrobank, BPI, or the selected wallet before payment. The manager confirms whether the payout should go to a bank record, card number, or wallet identifier. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
PHP transfers to the Philippines can be checked through BDO Unibank, Metrobank, BPI, Land Bank, and UnionBank. ATM24 also reviews GCash and Maya separately from bank payout. The manager confirms the recipient route before payment.
For a PHP transfer to the Philippines, ATM24 checks BDO Unibank, Metrobank, BPI, GCash, Maya, card payout, or account payout. Wallet routes need wallet data; bank routes need account or card details and recipient name. The manager confirms the PHP route before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
A PHP transfer to the Philippines can start from 15 minutes when BDO Unibank, Metrobank, BPI, GCash, Maya, card, or account payout is confirmed. Wallet and bank routes may move at different speeds. ATM24 confirms the expected PHP timing before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
The ATM24 fee for sending money to the Philippines in PHP starts from 0.9%. Bank payout, card payout, GCash, and Maya are priced as separate routes, so the manager confirms the PHP amount before payment. BDO Unibank, Metrobank, and BPI may require different recipient details, and sender-side card or bank fees may apply. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
Yes, the sender can use an available payment method while the recipient receives PHP in the Philippines. ATM24 checks whether payout goes through BDO Unibank, Metrobank, BPI, GCash, Maya, card payout, or account payout. Card-issuer, bank-transfer, and USDT network fees are treated separately from the PHP payout amount. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
For the Philippines, ATM24 accepts PHP transfers from 100 USD or the equivalent. The upper limit depends on the route: BDO Unibank, Metrobank, BPI, GCash, Maya, account payout, and card payout may not share one limit. The manager confirms the PHP amount and any document request before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
For a large PHP transfer to the Philippines, ATM24 separates BDO Unibank, Metrobank, BPI, GCash, Maya, card payout, and account payout. Documents may cover sender ID, source of funds, wallet or bank data, recipient name, and payment purpose. The manager confirms the PHP limit before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
If the sender sends 1000 USD to the Philippines, the PHP payout can differ for BDO Unibank, Metrobank, BPI, GCash, Maya, card, or account payout: 60,032.16 PHP. ATM24 includes fee from 0.9% and exchange conditions. The manager confirms the final PHP amount before payment. Bank-route examples for the Philippines: BDO Unibank, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, and Philippine National Bank.
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