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

Bank branches, pawnshops and remittance centers in Ilocos Norte

Ilocos Norte, in Ilocos Region, has BSP-listed money offices in 21 cities and towns. Laoag City has the most offices and off-site ATMs of any town (134). BDO has the most bank offices. Pick your town below for every branch address.

Bank offices:
146.
from 31 banks.
Off-site ATMs:
67.
Pawnshop offices:
113.
Money service business offices:
66.
Registered for remittance:
156.
of the 179 pawnshop and money service business offices.
Savings and loan association offices:
3.
Bank offices per 10,000 people:
2.4.
146 ÷ 609,588 people (PSA 2020 Census) × 10,000.

Most bank offices: BDO 17, BPI 16, Landbank 12

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

Ilocos Norte, by bank: 31 banks with offices. BSP bank and ATM list updated 18 September 2026.
BankBank officesWith ATM on siteOff-site ATMs
BDOBDO UnibankSavings rates and feesBank offices: 17With ATM on site: 11Off-site ATMs: 9
BPIBank of the Philippine IslandsSavings rates and feesBank offices: 16With ATM on site: 10Off-site ATMs: 9
LandbankLand Bank of the PhilippinesSavings rates and feesBank offices: 12With ATM on site: 7Off-site ATMs: 25
PNBPhilippine National BankSavings rates and feesBank offices: 11With ATM on site: 9Off-site ATMs: 0
MetrobankMetropolitan Bank & Trust Co.Savings rates and feesBank offices: 10With ATM on site: 6Off-site ATMs: 2
BDO Network BankBank offices: 7With ATM on site: 0Off-site ATMs: 0
CARD Bank Inc (A MF RB)Bank offices: 7With ATM on site: 0Off-site ATMs: 0
Ilocos Conso Coop BankBank offices: 6With ATM on site: 0Off-site ATMs: 0
DBPDevelopment Bank of the PhilippinesBank offices: 5With ATM on site: 3Off-site ATMs: 18
Security BankSecurity Bank Corp.Savings rates and feesBank offices: 5With ATM on site: 3Off-site ATMs: 1
RCBCRizal Commercial Banking Corp.Savings rates and feesBank offices: 4With ATM on site: 1Off-site ATMs: 2
China BankChina Banking Corp.Bank offices: 4With ATM on site: 2Off-site ATMs: 1
China Bank SavingsBank offices: 4With ATM on site: 2Off-site ATMs: 0
RB of Cabugao (Ilocos Sur) IncBank offices: 4With ATM on site: 1Off-site ATMs: 0
BPI Direct BanKoBank offices: 3With ATM on site: 0Off-site ATMs: 0
EastWestEast West Banking Corp.Savings rates and feesBank offices: 3With ATM on site: 1Off-site ATMs: 0
Rang-Ay Bank Inc (A RB)Bank offices: 3With ATM on site: 0Off-site ATMs: 0
UnionBankUnion Bank of the PhilippinesBank offices: 3With ATM on site: 2Off-site ATMs: 0
AUBAsia United Bank Corp.Savings rates and feesBank offices: 2With ATM on site: 1Off-site ATMs: 0
Bank of CommerceBank offices: 2With ATM on site: 1Off-site ATMs: 0
CARD SME Bank Inc A Thrift BankBank offices: 2With ATM on site: 0Off-site ATMs: 0
City Savings BankBank offices: 2With ATM on site: 1Off-site ATMs: 0
Maybank PhilippinesBank offices: 2With ATM on site: 1Off-site ATMs: 0
Philippine Business BankBank offices: 2With ATM on site: 1Off-site ATMs: 0
PSBankPhilippine Savings BankBank offices: 2With ATM on site: 1Off-site ATMs: 0
6 other banksBank offices: 8With ATM on site: 2Off-site ATMs: 0
All banksBank offices: 146With ATM on site: 66Off-site ATMs: 67

Cities and towns

14
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
Laoag CityBank offices: 63Off-site ATMs: 25Pawnshop offices: 25MSB offices: 19Total: 134
Batac CityBank offices: 29Off-site ATMs: 3Pawnshop offices: 17MSB offices: 5Total: 54
San NicolasBank offices: 24Off-site ATMs: 9Pawnshop offices: 6MSB offices: 10Total: 49
PasuquinBank offices: 4Off-site ATMs: 3Pawnshop offices: 5MSB offices: 3Total: 15
BacarraBank offices: 2Off-site ATMs: 1Pawnshop offices: 5MSB offices: 6Total: 14
BanguiBank offices: 6Off-site ATMs: 2Pawnshop offices: 5MSB offices: 1Total: 14
PagudpudBank offices: 4Off-site ATMs: 4Pawnshop offices: 4MSB offices: 2Total: 14
BadocBank offices: 3Off-site ATMs: 1Pawnshop offices: 5MSB offices: 2Total: 11
PaoayBank offices: 2Off-site ATMs: 1Pawnshop offices: 4MSB offices: 3Total: 10
SolsonaBank offices: 1Off-site ATMs: 2Pawnshop offices: 5MSB offices: 2Total: 10
VintarBank offices: 0Off-site ATMs: 2Pawnshop offices: 4MSB offices: 3Total: 9
BurgosBank offices: 2Off-site ATMs: 0Pawnshop offices: 3MSB offices: 1Total: 7
PiniliBank offices: 1Off-site ATMs: 1Pawnshop offices: 4MSB offices: 1Total: 7
MarcosBank offices: 1Off-site ATMs: 2Pawnshop offices: 2MSB offices: 1Total: 6

Pawnshop and remittance companies

50
Ilocos Norte, by company. BSP pawnshop and money service business lists as of 30 September 2025.
CompanyPawnshop officesMSB officesFor remittance
Center for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO)Pawnshop offices: 0MSB offices: 29For remittance: 29
Palawan Pawnshop and Palawan Express Pera PadalaPawnshop offices: 29MSB offices: 0For remittance: 29
M. Lhuillier Pawnshop & Jewelry and ML Kwarta PadalaPawnshop offices: 23MSB offices: 0For remittance: 23
Rd Pawnshop, IncorporatedPawnshop offices: 12MSB offices: 0For remittance: 12
Cebuana LhuillierPawnshop offices: 10MSB offices: 0For remittance: 10
Cebuana Lhuillier PawnshopPawnshop offices: 6MSB offices: 0For remittance: 6
LBC Express, IncPawnshop offices: 0MSB offices: 6For remittance: 6
Villarica PawnshopPawnshop offices: 6MSB offices: 0For remittance: 6
Universal Storefront Services CorporationPawnshop offices: 0MSB offices: 5For remittance: 5
Ishe's Money ChangerPawnshop offices: 0MSB offices: 3For remittance: 3
Sanford Marketing CorporationPawnshop offices: 0MSB offices: 3For remittance: 3
Global Reliance Management and Holdings CorpPawnshop offices: 0MSB offices: 2For remittance: 2
38 other companiesPawnshop offices: 27MSB offices: 18For remittance: 22
All companiesPawnshop offices: 113MSB offices: 66For remittance: 156

Is a pawnshop or remittance center BSP-listed?

Result for Ilocos Norte

All 50 pawnshop and money service companies with offices in Ilocos Norte are on the BSP pawnshop and money service business lists as of 30 September 2025. 67 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

7

These 7 towns have 41 listed offices and off-site ATMs between them. Every one is below, with its address.

Banna (Espiritu)1 off-site ATM, 2 pawnshop offices, 1 money service business office

  • off-site ATMLand Bank of the Philippines, Banna LGUMun Compound Banna Ilocos Norte
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Banna, Ilocos Norte BranchValenciano (Pob.), Banna (Espiritu), Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Banna2 Canda Street, Hilario (Pob.), Banna (Espiritu), Ilocos Norte
  • money service business officeCenter for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO), CARD, Inc. (A Microfinance NGO) - Banna BranchLorenzo (Pob.), Banna, Ilocos Norte

Currimao1 off-site ATM, 2 pawnshop offices

  • off-site ATMLand Bank of the Philippines, CurrimaoSan Simeon Currimao Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, CurrimaoSan Simeon, Currimao, Ilocos Norte
  • pawnshop officeRd Pawnshop, Incorporated, Ilocos Currimao BranchSan Simeon, Currimao, Ilocos Norte

Dingras4 bank offices, 2 off-site ATMs, 7 pawnshop offices, 2 money service business offices

  • bank officeBDO Network Bank, Ilocos Norte - DingrasDona Josefa Llanes Escoda Natl Hway Brgy Dancel Dingras Ilocos Norte
  • bank officeCARD Bank Inc (A MF RB), Dingras 1 UnitBrgy Madamba Dingras Ilocos Norte
  • bank officeCARD Bank Inc (A MF RB), Dingras 2 UnitBrgy Albano Dingras Ilocos Norte
  • bank officeRang-Ay Bank Inc (A RB), DingrasNew Public Market Albano Dingras Ilocos Norte
  • off-site ATMBank of the Philippine Islands, Ilocos Norte CooperativeSuyo Dingras Ilocos Norte
  • off-site ATMLand Bank of the Philippines, LGU DingrasPob Dingras Ilocos Norte
  • pawnshop officeEjv Pawnshop, Head officeDancel (Pob.), Dingras, Ilocos Norte
  • pawnshop officeJTD Pawnshop, Head officeAlbano (Pob.), Dingras, Ilocos Norte
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Dingras, Ilocos Norte BranchBrgy. Albano, Dingras, Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, DingrasAlbano (Pob.), Dingras, Ilocos Norte
  • pawnshop officeCebuana Lhuillier Pawnshop, Dingras BranchStall 11 & 12 Public Market, Albano, Dingras, Ilocos Norte
  • pawnshop officePreciousjewel Pawnshop Inc, Dingras BranchAlbano (Pob.), Dingras, Ilocos Norte
  • pawnshop officeVillarica Pawnshop, Dingras BranchDingras Public Market (Stall #7 Old Market), Brgy. Albano, Dingras, Ilocos Norte
  • money service business officeCenter for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO), CARD, Inc. (A Microfinance NGO) - Dingras BranchGuerrero (Pob.), Dingras, Ilocos Norte
  • money service business officeUniversal Storefront Services Corporation, USSC Service Store - Dingras BranchAlbano Bldg., National Hiway, Brgy. Madamba (Pob.), Dingras, Ilocos Norte

Dumalneg2 off-site ATMs, 1 money service business office

  • off-site ATMDevelopment Bank of the Philippines, Dumalneg Muni HallDumalneg Ilocos Norte
  • off-site ATMDevelopment Bank of the Philippines, Dumalneg Municipal HallDumalneg Municipal Hall Dumalneg in
  • money service business officePps-Pepp Money Shop Services Corporation, Ilocos Norte-Dumalneg BranchCabaritan, Dumalneg, Ilocos Norte

Nueva Era2 off-site ATMs

  • off-site ATMDevelopment Bank of the Philippines, Nueva Era Municipal HallPob Nueva Era Ilocos Norte
  • off-site ATMLand Bank of the Philippines, LGU Nueva Era Ilocos NorteIlocos-Norte Abra Rd Nueva Era Ilocos Norte

Piddig1 off-site ATM, 3 pawnshop offices, 1 money service business office

  • off-site ATMLand Bank of the Philippines, Piddig LGUPiddig Pub MRKT Anao Piddig in
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Piddig, Ilocos NorteAsis Street, Anao (Pob.), Piddig, Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Piddig BranchAnao, Piddig, Ilocos Norte
  • pawnshop officeStreamgem Pawnshop Inc, Piddig BranchAnao (Pob.), Piddig, Ilocos Norte
  • money service business officeCenter for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO), CARD, Inc. (A Microfinance NGO) - Piddig BranchCallusa, Piddig, Ilocos Norte

Sarrat2 off-site ATMs, 5 pawnshop offices, 2 money service business offices

  • off-site ATMDevelopment Bank of the Philippines, Sarrat Municipal Public MarketMun Pub MRKT San Vicente Sarrat
  • off-site ATMLand Bank of the Philippines, LGU SarratMunicipal Hall San Agustin Pob Sarrat Ilocos Norte
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Sarrat 2, Ilocos Norte BranchSan Agustin (Pob.), Sarrat, Ilocos Norte
  • pawnshop officeM. Lhuillier Pawnshop & Jewelry and ML Kwarta Padala, Sarrat, Ilocos Norte BranchSanta Rosa, Sarrat, Ilocos Norte
  • pawnshop officeCebuana Lhuillier, Sarrat Branch120 Racela Commercial Plaza, San Vicente (Pob.), Sarrat, Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Sarrat Branch1 1 RM Arcade, Rizal St., Santa Barbara, Sarrat, Ilocos Norte
  • pawnshop officePalawan Pawnshop and Palawan Express Pera Padala, Sta. Rosa SarratGano Bldg., San Miguel, San Nicolas, Sarrat, Ilocos Norte
  • money service business officeCenter for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO), CARD, Inc. (A Microfinance NGO) - Sarrat 1 BranchSanta Barbara (Pob.), Sarrat, Ilocos Norte
  • money service business officeCenter for Agriculture and Rural Development (CARD), Inc. (A Microfinance NGO), CARD, Inc. (A Microfinance NGO) - Sarrat 2 BranchBarangay 10 San Miguel, Santa Barbara (Pob.), Sarrat, Ilocos Norte

Questions

Which town in Ilocos Norte has the most bank branches?

Laoag City, with 63 bank offices on the BSP bank and ATM list as listed on 18 September 2026.

How many money changers are in Ilocos Norte?

127 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 Ilocos Norte has no page. Where are its offices?

Under Smaller towns on this page: 7 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.