How to Send Money from India to the Philippines

You can send money from India to the Philippines ONLY through BANKS. 

You CANNOT send money from India through Western Union, Moneygram or other non-bank money transfer companies.

There are also strict rules on remittances:

1. You need to bring your ID or passport, proof of address and employment certificate or work permit, if you're a foreigner working in India.

2.  You can send only to persons legally related to you.

3.  Your purpose in sending money should be one of the following:
         . Financial support for close relative  (This can be the purpose for OFWs)
         . Education Abroad
         . Emigration fees
         . Employment abroad
         . Medical Treatment
         . Purchase of medicines and other items for personal use
         . Visa fees
         . Police verification
         . Donation
4.  There are limits to amounts of outward remittances, depending on your purpose, but generally for OFWs, you can send what you have legally earned there in India.       

5.  You can send in US dollars, British pounds, euros, Saudi riyals and 12 other major currencies.

6.  You cannot send money to Bhutan, Nepal, Mauritius or any country identified as non-co-operative by the Financial Action Task Force (fatf-gafi.org).

Send Money to the Philippines from India by going to a bank in India and request for a WIRE TRANSFER.  Some banks in India like ICICI does not require you to have an account with them.  What is required is that your recipient in the Philippines has a bank account.

If you're sending from India to the Philippines frequently, it is advised that your recipient open an account with BPI, Metrobank or PNB, since these are the Philippine banks with correspondent banks in India.

Here are BPI Correspondent Banks in India:

ICICI Bank Ltd.  (recommended by many)
DBS Bank, Mumbai Branch
Citibank NA
Dena Bank
Punjab National Bank
State Bank of India
Standard Chartered Bank
Union Bank of India
Hongkong and Shanghai Banking Corp. (HSBC)
JPMorgan Chase Bank
Syndicate Bank
Bank of Nova Scotia
Deutsche Bank
Bank of Tokyo-Mitsubishi UFJ
BNP Paribas India
ANZ Banking Group
Royal Bank of Scotland

Swift Code for all branches of BPI and BPI Family in the Philippines is:  BOPIPHMM

Here are PNB Correspondent Banks in India:

ICICI Bank Ltd., Mumbai
Australia and New Zealand Banking Group Ltd.
Bank of America, Mumbai
Bank of Tokyo Mitsubishi UFJ, Mumbai
Bank of Nova Scotia, Mumbai
BNP Paribas India
Citibank Europe, Mumbai
Credit Agricole Corporate and Investment Bank, Mumbai
Deutsche Bank, Mumbai
JPMorgan Chase Bank, Mumbai
Mashreq Bank, Mumbai
Punjab National Bank, Mumbai
Standard Chartered Bank, Mumbai
State Bank of India, Mumbai
Syndicate Bank, Mumbai

Swift Code for all branches of PNB in the Philippines:  PNBMPHMM

Here are METROBANK Correspondent Banks in India:

ABN Amro Bank Mumbai
American Express Bank New Delhi
ANZ Banking Group Mumbai
Axis Bank Ltd. Mumbai
Bank of America Mumbai
Bank of Baroda Mumbai
Bank of Ceylon Chennai Madras
Bank of Tokyo-Mitsubishi UFJ New Delhi
BNP Paribas India Mumbai
Citibank Mumbai
Hongkong and Shanghai Banking Corp. (HSBC)
JPMorgan Chase Bank, Mumbai
Masreq Bank Mumbai
Punjab National Bank Mumbai
Standard Chartered Bank Mumbai
State Bank of India Mumbai
Union Bank of India Mumbai

Swift Code for all branches of Metrobank in the Philippines:  MBTCPHMM  



  1. how many days will the money be crdited to my bdo kabayan account mam? nagtransfer po ng money yung fiance ko tru bank to bank using ICICI bank of india. I hope you will respond. Salamat mam.

    1. Send money from India to Philippines: Walang correspondent bank ang BDO sa India, so dadaan ang remittance sa another bank na correspondent bank ng BDO, so expect your money after 3 days or more.

  2. Pwede po ba ATM lang yung Account Madam?

    Paano kung BF Ko lang ang magpapadala from India magkaka problema ba?

    Maraming Salamat po!

    God Bless!

    1. Atm account: Yes, your atm account can receive money from India or from any other country. BDO atm account ba ito? If yes, maintain 2,000 pesos in your account every day para hindi ka magka-penalty. Puede namang lower than 2k ang balance in some days kung ang balance is much more than 2k in other days at nang sa ganon kapag BDO computes the average daily balance for the month ay ang result is 2k or more.
      In short, okay lang na bf mo lang magpapadala sa account mo basta you maintain the 2k required maintenance balance.

    2. Maraming Maraming Salamat po sa Response Ma'am

      So either BPI/BDO/PNB/Metrobank dun po Ako mag Oopen ng ATM at makaka receive naman po ng Money fron India tama po?

      Hindi po ba pwede Union Bank? Yun lang po ang ATM Ko dito

      Sorry po sa hassle Madam

      God Bless po and Thank You!

    3. Union Bank: Yes, puede rin ang atm account sa Union Bank na maka-receive ng remittance from abroad. Account number ba ang ibinigay mo sa sender mo?

  3. Good evening po Ms Nora Tamba. Nagpadala po yung friend ko sa India Acid bank po yung bank nya dun ang account ko po sa BPI, first week pa po ng March pinadala yun hanggang ngayun di pa rin dumarating pero bawas na sa account. Posible ba yung ganun katagal bago dumating sa account ko dito sa BPI? Thanks po.

  4. Please anybody can help me too send money in Philippines.
    Cause of indin rules i can't send money to my gf...
    So please if any fillipiano can help so tanksful for it ..

  5. Hi po,gud evening pwede po ba magtanong?bf ko po sa india nagsend nang pera sa state bank of travancore to may atm account of metrobank.san ko po makukuha ang pera?kailangan ko po ba pumunta nang banko or automatic in atm na.ilang araw ko po makukuha ang pera...pls help me

  6. Hi mam nora pa help nman po oh

  7. Hi,
    i want to send money to Philippine for drup purchase. .how many days will it takes the money to get to the recipient using BDO bank please

  8. where i cant get my money? my friend send me money yesterday sa landbank atm ng pinsan ko. can anybody answer my question?

  9. How about i only have landbank atm card and my bf wants to send money to me? From india

  10. Maam i have atm card unionbank.. Pero di ko po masearch ang swiftcode sa davao city branch only in pasig. HOw can i receiv the money from India. Kailangan kc nya ang swiftcode..

  11. Bakit po yung friend ko from india nag padala sa akin ng pera via wire transfer ne reject yung request...anu po kaya ang dahilan BPI po bank account ko.thank you

  12. My friend is asking me to open Citibank account instead.. Pde po kaya un..?

  13. May nagpadala po sa akin from india Via NEFT online transaction. binigay ko lang yung account number ko ng BDO kabayan savings. ilang araw po bago ko mailabas yung pera? okay po ba yung Transaction na nangyari? salamat

  14. May nagpadala po sa akin from india Via NEFT online transaction. binigay ko lang yung account number ko ng BDO kabayan savings. ilang araw po bago ko mailabas yung pera? okay po ba yung Transaction na nangyari? salamat

  15. Ilang days po ba makukuha ang pera if example nagpadala sya july 4.sa icici bank sya nagpadala ng pera..and bpi yong account ko.

  16. My friend send me thru state bank of india. How can i withdrwa it here? Tnx

    1. Pinadala un pera pero ndi k nagbigay bank details? Singungaling yan friend mo. S India lahat ng palabas ng India n pera kinocontrol ng govt. Lahat ng transanctions ay through banks lng.

  17. Hi. Metrobank account # po binigay ko sa Bf ko but sa union Bank po sya Pumunta eh 10 digits lang un akin, pero ang hinahanap po 14digits daw po. Ganun po ba tlga yun?

    1. Marereceive mo b ang load kapag pinaload s smart pero globe ang number mo? Isip isip

  18. Good day po! Matanong ko lng po ano po ba ibig sabahin ng SWIFT & SORT CODE in beneficiary bank kasi po yon po ang bf ko po sa India gusto magpadala sakin tapos yon ang hinihingi sakin sa account ko po. Tapos ngtanong ako sa bank ko po metrobank SWIFT CODE lang po ang alam nila hindi po nila alam yong SORT. Ang bf ko po yong bank niya is Axis bank .please naman po pakihelp nmn ano po ang gagawin ko po. Maraming maraming salamat po. God bless

    1. Walang sort code. Bank name, Swift code, account name, account number at bank branch address lng need para magpadala

  19. Good day sir/ma'am pwd po ba yun mag hulog ng pera sa acct ko?nasa india oo cxya..nahihirapan kasi cxya kung paano thakyou!

    1. Magtanong xa s bank nya dahil tru banks lng pde magpadala from India. Western Union or Moneygram receiving lng sila dito s India.so if ikaw magpadala pde moneygram or western.

  20. Ask po kase yung friend ko May friend sa India, magpadala p.o. yung Indian, San p.o. siya pwede pumunta para magpadala India to Philippines? Thanks

    1. S banks lng pde magpadala ang mga Indians ppuntang Pinas

  21. i want send money to phillipines to one of my friend... whats the procedure

    1. U can only send thru money transfer by ur bank. U need account number, account name, swift code and bank address from the receipt

  22. Hi I'm from Philippines . My boyfriend can't to send me a gift (money) from India. How he can send po

  23. Anu-ano po ba yung Philippines banko na pwedeng pagpadalhan from New Delhi? Bf ko ksi magpapadala since hndi siya makakauwi? Hndi na po ksi active yung mtrobank ATM ko.