Use RCBCPHMMXXX for most RCBC transfers unless your recipient provides a branch-specific code.
Use RCSAPHM1XXX when the receiving bank is RCBC Savings Bank, Inc.
RCBC Swift Code Resource
XXX indicates the main office or central processing. Many banks use the XXX version when there is no branch-specific code.
Use RCSAPHM1XXX when the receiving bank is RCBC Savings Bank, Inc.
This site focuses on practical guidance: which code to use, what each part means, and common questions about branch codes.
If your recipient specifies a different branch code (for example, an 8–11 character SWIFT/BIC with a non-XXX branch), use the exact code provided to avoid delays.
RCBC Swift Code Resource
Browse the pages below for detailed explanations, examples, and FAQs about RCBC SWIFT codes.
When you send an international wire transfer, the SWIFT/BIC code helps route your payment to the correct bank and processing location.