How to Send Money From Australia to a BPI Account

Getting money from Australia into a BPI account in the Philippines is mostly about the details. Your bank or a money transfer business can do it, but a wrong account name or code can hold the payment up, and the fee you see isn't always the full cost. This guide covers the details BPI asks for, the ways to send and what to compare. We checked every fact on this page against BPI, Moneysmart and AUSTRAC on 3 November 2026.

RemitHome.net.au is an independent guide run by Dominet BV. We're not a bank or a money transfer business, we don't send money for anyone, and we're not registered with AUSTRAC because we don't provide remittance services. No link on this site is an affiliate link right now. If that changes, we'll say so in our affiliate disclosure, and it won't change what we write. This is general information, not financial advice. Providers named on this page are examples we checked, not recommendations.

Ways to get money into a BPI account from Australia

You can use a bank SWIFT transfer, a money transfer business offering BPI deposits or one of BPI's listed Australian tie-up companies.

Banks use SWIFT to send money to banks overseas. A money transfer business has its own process and costs, so confirm that it supports deposits to your recipient's BPI account before entering payment details.

BPI also has a remittance network that includes overseas offices and tie-up companies. Check the service available to you and its costs before choosing how to send.

For other ways to send to the Philippines, see our Australia to Philippines guide.

Details your recipient needs to give you

Ask your recipient for their complete account name, BPI account number, address and branch details.

Use the details your recipient confirms, and double check them before paying.

A SWIFT code is also called a Business Identifier Code, or BIC. BPI says its 8-character code is usually sufficient. Its correspondent bank page says no routing number, sort code, IBAN or ABA is needed to send funds to a BPI account.

If a form asks for something that does not match these details, ask the sending bank or transfer business before continuing.

Sending from your Australian bank by SWIFT

Ask your Australian bank about a SWIFT transfer to BPI and confirm the cost before paying.

Start with your recipient's details, then work through the bank's process:

1. Enter the beneficiary's complete account name, account number and address.
2. Provide BPI's SWIFT code and the branch details requested.
3. Check the exchange rate and the bank's transfer fee.
4. Ask what intermediary or receiving fees may be deducted.
5. Review the details with your recipient before submitting.

Moneysmart says a bank will ask for government-issued ID if you are not an existing customer.

Ask whether the exchange rate shown will stay the same or can change, and how long the money takes to arrive. Moneysmart says that can be instant, a few minutes or up to five business days. Also ask how much your recipient should receive after deductions. If the bank cannot confirm the final amount, take that uncertainty into account when comparing quotes.

Using a money transfer business

Confirm that a money transfer business offers BPI account deposits and check its AUSTRAC registration before using it.

Moneysmart says many money transfer businesses operate online only and these firms can be faster and cheaper than banks. Check the actual quote for your transfer rather than assuming that applies to every service.

Services may be available online, by app or in person. Not every service sends to every country, and each has its own process and costs. Select bank deposit when checking your options, and confirm BPI is supported.

Australian money transfer services must be registered with AUSTRAC. Search the AUSTRAC Remittance Sector Register before using one. Our registration check guide explains the check.

Moneysmart points readers to SaverAsia as an independent comparison service for money sent from Australia to Asia. Use comparisons to find quotes to examine, then confirm the details with the sender.

BPI's remittance tie-ups in Australia

BPI lists the following Australian tie-up companies, which you should check individually on the AUSTRAC register.

• Forex World Pty. Ltd.
• Jalandoni Money Changer Pty. Ltd.
• J Forex Money Transfer
• Salazar & Quintero Pty. Ltd. (J&J Express)

These names are examples from BPI's list, not recommendations. Confirm that the company offers the BPI account deposit you need, then ask for its current quote and process.

BPI's global partner list also includes MoneyGram, Ria, Western Union, WorldRemit and Xoom (PayPal). Check the Australian service and BPI deposit option directly before paying. A global listing alone does not answer those questions.

Fees and the exchange rate

Compare how many pesos your recipient gets for the total Australian dollars you pay.

Moneysmart says providers choose their exchange rates and also charge fees. A fee may be flat, a percentage or both. Ask whether the rate stays the same or can change.

Put quotes beside each other using the same amount and account deposit method. Check the total you pay, the pesos expected to arrive and any deductions that remain uncertain. A transfer fee on its own does not show the whole cost. Our guide to transfer fees and exchange rate margins explains what to compare.

For BPI receiving charges, check the "Inward remittance charges" section on BPI's Remit to the Philippines page. We could not read the charge amounts during our check on 3 November 2026. Ask your sender what intermediary or receiving fees may be deducted, and include that answer in your comparison.

Tracking a transfer and fixing problems

Your recipient can check the status in BPI Online, and if something goes wrong, Moneysmart says to contact the bank or money transfer business that sent it first.

BPI's correspondent bank page says remittance status can be checked through BPI Online. If what your recipient sees doesn't match what the sender told you, or less arrived than expected, ask the sender to explain. Keep the transfer reference, the amount and the recipient details handy so they can trace it.

Moneysmart says that if you are unhappy with the response and the bank or money transfer business is an Australian Financial Complaints Authority (AFCA) member, you can complain to AFCA. Check membership before taking that step.

Avoid scams

Check who you are paying before sending, because Moneysmart warns that money sent to a scammer is almost impossible to recover.

Pause if you are unsure about the recipient or the payment request. Double check the recipient's bank details and check a money transfer business's AUSTRAC registration before using it. Moneysmart also directs readers to Scamwatch for scam information.

Frequently asked questions

What is BPI's SWIFT code?

BPI lists BOPIPHMM or BOPIPHMMXXX for incoming SWIFT transfers, applicable to all branches. Its SWIFT article says the 8-character code BOPIPHMM is usually sufficient.

Do I need an IBAN to send to BPI?

No. BPI's correspondent bank page says no routing number, sort code, IBAN or ABA is needed to send funds to a BPI account.

What account details should I ask for?

Ask for the complete account name, BPI 10-digit account number, recipient's address and branch of account. Provide the branch address if the sending service requires it.

How do I check an Australian money transfer business?

Search the AUSTRAC Remittance Sector Register before using the business. Australian money transfer services must be registered with AUSTRAC, according to Moneysmart.

Will BPI deduct a receiving fee?

Check BPI's "Inward remittance charges" section on its Remit to the Philippines page. We could not read the amounts during our check. Ask your sender what intermediary or receiving fees may be deducted.