Cherry De Vega, Bookkeeping and Compliance ReviewerReviewed by Cherry De Vega, Bookkeeping and Compliance Reviewer

Bank branches, pawnshops and remittance centers in Apayao

Apayao, in Cordillera Administrative Region, has BSP-listed money offices in 6 cities and towns. Luna has the most offices and off-site ATMs of any town (13). Landbank has the most bank offices. Pick your town below for every branch address.

Bank offices:
9.
from 6 banks.
Off-site ATMs:
12.
Pawnshop offices:
13.
Money service business offices:
1.
Registered for remittance:
14.
of the 14 pawnshop and money service business offices.
Bank offices per 10,000 people:
0.7.
9 ÷ 124,366 people (PSA 2020 Census) × 10,000.

Most bank offices: Landbank 4, Bangko Montanosa Inc (A Rural Bank) 1, BPI Direct BanKo 1

Banks and ATMs: BSP bank and ATM list updated 18 September 2026; pawnshops and money service businesses: BSP pawnshop and money service business lists as of 30 September 2025.

Bank branches by bank

Apayao, by bank: 6 banks with offices and 1 more with off-site ATMs only. BSP bank and ATM list updated 18 September 2026.
BankBank officesWith ATM on siteOff-site ATMs
LandbankLand Bank of the PhilippinesSavings rates and feesBank offices: 4With ATM on site: 2Off-site ATMs: 10
Bangko Montanosa Inc (A Rural Bank)Bank offices: 1With ATM on site: 0Off-site ATMs: 0
BPI Direct BanKoBank offices: 1With ATM on site: 0Off-site ATMs: 0
China Bank SavingsBank offices: 1With ATM on site: 0Off-site ATMs: 0
City Savings BankBank offices: 1With ATM on site: 0Off-site ATMs: 0
RB of Angeles IncBank offices: 1With ATM on site: 0Off-site ATMs: 0
Philippine Veterans BankBank offices: 0With ATM on site: 0Off-site ATMs: 2
All banksBank offices: 9With ATM on site: 2Off-site ATMs: 12

Cities and towns

1
Bank offices and off-site ATMs: BSP bank and ATM list updated 18 September 2026. Pawnshop and MSB offices: BSP pawnshop and money service business lists as of 30 September 2025.
City or townBank officesOff-site ATMsPawnshop officesMSB officesTotal
LunaBank offices: 6Off-site ATMs: 3Pawnshop offices: 3MSB offices: 1Total: 13

Pawnshop and remittance companies

4
Apayao, by company. BSP pawnshop and money service business lists as of 30 September 2025.
CompanyPawnshop officesMSB officesFor remittance
M. Lhuillier Pawnshop & Jewelry and ML Kwarta PadalaPawnshop offices: 5MSB offices: 0For remittance: 5
Palawan Pawnshop and Palawan Express Pera PadalaPawnshop offices: 5MSB offices: 0For remittance: 5
Cebuana LhuillierPawnshop offices: 3MSB offices: 0For remittance: 3
Center for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO)Pawnshop offices: 0MSB offices: 1For remittance: 1
All companiesPawnshop offices: 13MSB offices: 1For remittance: 14

Is a pawnshop or remittance center BSP-listed?

Result for Apayao

All 4 pawnshop and money service companies with offices in Apayao are on the BSP pawnshop and money service business lists as of 30 September 2025. 2 other offices here are on the delisted lists.

Pawnshops
Pawn only at a pawnshop on the BSP list: the law requires registration before it makes its first loan (Presidential Decree No. 114, Sec. 6). Keep the signed pawn ticket. The pawnshop must give you one for every loan (Presidential Decree No. 114, Sec. 12). Missed the due date? You still have 90 days from maturity to redeem the item by paying the principal and interest (Presidential Decree No. 114, Sec. 13). You must be notified before an unredeemed item is sold, and it can only be sold at a public auction (Presidential Decree No. 114, Secs. 14 and 15).
Remittance companies and money changers
Send or claim money only at a BSP-registered remittance company or money changer. Each registered head office holds a BSP Certificate of Registration and a metal plate with its registration number (BSP Circular No. 1206, Series of 2024, Sec. 102-M). At a sub-agent counter, look for the posted sign naming the remittance company it represents (BSP Circular No. 1206, Series of 2024, Sec. 104-M).
Banks
Every bank office on these lists operates with BSP authority, and a universal or commercial bank needs prior BSP approval for each new branch (Republic Act No. 8791, Secs. 6 and 20).

Smaller towns

5

These 5 towns have 22 listed offices and off-site ATMs between them. Every one is below, with its address.

Conner2 bank offices, 2 off-site ATMs, 1 pawnshop office

  • bank officeBangko Montanosa Inc (A Rural Bank), Conner ApayaoMalama Conner Apayao
  • bank officeBPI Direct BanKo, ConnerBrgy Malama Conner Apayao
  • off-site ATMLand Bank of the Philippines, LGU ConnerCaglayan Conner Apayao
  • off-site ATMPhilippine Veterans Bank, Tuguegarao-Lgu ConnerMalama, Conner, Apayao
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Apayao-Conner BranchPurok 1 Kubet, Malama, Conner, Apayao

Flora1 off-site ATM, 3 pawnshop offices

  • off-site ATMLand Bank of the Philippines, LGU FloraFlora Apayao Cordillera Adm Region
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Flora, Apayao BranchPoblacion West, Flora, Apayao
  • pawnshop officeCebuana Lhuillier, Flora BranchStall #2 Armandico Commercial Bldg. Sampaguita St., Poblacion West, Flora, Apayao
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Apayao-Flora BranchPoblacion West, Flora, Apayao

Kabugao1 off-site ATM, 1 pawnshop office

  • off-site ATMPhilippine Veterans Bank, Tuguegarao-Lgu KabugaoKabugao Municipal Hall Guard House Kabugao Apayao
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Kabugao, ApayaoMarquez St., Poblacion, Kabugao, Apayao

Pudtol3 off-site ATMs, 2 pawnshop offices

  • off-site ATMLand Bank of the Philippines, CDM LGU PudtolPob Pudtol Apayao
  • off-site ATMLand Bank of the Philippines, Pudtol Commercial Center ApayaoSwan Pudtol Apayao
  • off-site ATMLand Bank of the Philippines, Pudtol LGUPoblacion Pudtol Apayao
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Pudtol, ApayaoPublic Market, Poblacion, Pudtol, Apayao
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Apayao-Pudtol BranchPoblacion, Pudtol, Apayao

Santa Marcela1 bank office, 2 off-site ATMs, 3 pawnshop offices

  • bank officeLand Bank of the Philippines, Leaf-Sta MarcelaMun Bldg San Carlos Sta Marcela Apa
  • off-site ATMLand Bank of the Philippines, Leaf Sta Marcela ApayaoSan Carlos Sta Marcela Apayao
  • off-site ATMLand Bank of the Philippines, Leaf Sta Marcela Apayao CDMSan Carlos Sta Marcela Apayao
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Sta. Marcela, Apayao BranchSan Carlos, Sta. Marcela, Apayao
  • pawnshop officeCebuana Lhuillier, Sta. Marcela BranchStall #1 Rasco-Alegre Commercial Building Abulag-Santa Marcela Road,, San Carlos, Santa Marcela, Apayao
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Apayao - Sta. MarcelaSan Carlos, Santa Marcela, Apayao

Questions

Which town in Apayao has the most bank branches?

Luna, with 6 bank offices on the BSP bank and ATM list as listed on 18 September 2026.

How many money changers are in Apayao?

13 pawnshop and money service business offices are registered with the BSP as money changer or foreign exchange dealer, on the BSP lists as of 30 September 2025. Compare their rate with the BSP reference rate for the day before you change money.

My town in Apayao has no page. Where are its offices?

Under Smaller towns on this page: 5 towns are listed there in full, every office with its address.

Counts are offices on the BSP lists, not separate companies: a bank with three offices counts three times. All provinces · Delisted pawnshops and remittance

Who licenses these offices

The Bangko Sentral ng Pilipinas (BSP) authorizes every bank office (Republic Act No. 8791), supervises pawnshops (Presidential Decree No. 114) and registers remittance companies and money changers (BSP Circular No. 1206, Series of 2024). The counts here are the offices on its lists.

These pages list offices and their BSP status only. Opening hours, fees and exchange rates come from the bank or company itself. For a problem with a transaction, raise it with the bank or company first, then with the BSP through its consumer assistance channels. For a legal claim, see a lawyer.

No bank, pawnshop or remittance company pays to appear here or to change its order. Lists run from the most offices to the fewest.