PNB Online Banking Guide to Balance Check, Sending Money, Paying Bills and More

Published: October 21, 2020 | Updated: October 26, 2020 | Posted by: Venus Zoleta | Personal Finance


PNB Online Banking Guide | Moneymax

Online banking is the new norm for financial transactions in the Philippines during the pandemic (and most likely even when it’s over). PNB is no exception—like other banks in the Philippines, it actively promotes its PNB online banking channels, officially called PNB Digital Banking.

If you have a PNB account, you’ll be glad to know that both PNB Internet Banking and PNB Mobile Banking App are among the easiest to use for different types of transactions. You can conveniently monitor your account balances, send money, pay bills, open and manage UITF investments, and order checkbooks. No need to go to a PNB branch because you can transact from home using your laptop or smartphone instead.

Here’s a simple guide to completing transactions using PNB online banking platforms.

PNB Online Banking Registration

Who Can Enroll in PNB Digital Banking?

pnb online banking guide - who can enroll

You can register to PNB Digital Banking if you have any of the following PNB accounts:

  • ATM/Debit/Passbook savings account
  • Checking account
  • SSS/GSIS pensioner account
  • Joint/OR account
  • Credit card account

PNB clients with corporate or joint/AND accounts cannot enroll in PNB’s online banking facility.

How to Enroll in PNB Online Banking

pnb online banking guide - how to enroll pnb online banking

Using your PNB ATM/debit card, you can register for a PNB Digital Banking account either through PNB Internet Banking or PNB Mobile App.

Regardless of the channel you use for PNB online banking enrollment, the registration steps are the same.

  1. Go to the PNB Internet Banking website or download the PNB Mobile Banking App in the App Store or Google Play Store[1].
  2. On the login page, click or tap on “Sign Up.”
  3. Read and agree to the Terms and Conditions.
  4. Select “Sign Up Using an ATM Card.”
  5. Click the dropdown menu to select your account type (savings/checking).
  6. Enter your ATM card number (the 16-digit number on the front of your card) and ATM PIN (the six-digit number you use to access your account via ATM).
  7. Create your user ID and password.
  8. Complete the rest of the PNB online banking registration form.
  9. Enter the one-time PIN (OTP) sent to your mobile number.
  10. Click or tap the Continue button. You can now access your PNB Digital Banking account via website or mobile app with your user ID and password.

PNB Online Banking Activation

After completing your PNB online banking registration, check your email for a message from PNB containing your Online Activation Code (OAC). Copy the OAC and enter it when you log in via PNB’s internet banking site or mobile app for the first time to activate your PNB online banking account.

Read more: 15 Mobile Banking Apps to Manage Your Accounts Better

PNB Online Banking Enrollment of Additional Accounts

pnb online banking guide - pnb online banking enrollment

Aside from your ATM account, you may also enroll your other PNB accounts in PNB Digital Banking.

How to Enroll Your PNB Credit Card in PNB Digital Banking

  1. Log in to your PNB online account.
  2. Under “Account Services,” click on “Enroll Credit Card.” If using the mobile app, tap the three dots at the upper right corner of the screen.
  3. Enter the required credit card details. Click the Continue button.
  4. Enter the OTP sent to your mobile number. Click the Continue button.
  5. Wait for the confirmation of your successful PNB online banking enrollment of credit card.

How to Enroll Your PNB Deposit Account in PNB Online Banking

  1. Log in to your PNB online account.
  2. Under “Account Services,” click on “Add/Remove Accounts.” If using the mobile app, tap the three dots at the upper right corner of the screen.
  3. Click or tap on “New Account.” If using the mobile app, tap on “Add an Account.”
  4. Enter the OTP sent to your mobile number. Click the Continue button.
  5. Select the PNB account you want to enroll.
  6. Wait for the confirmation of your successful PNB online banking enrollment.

How to Check Balance in PNB Online Banking Account

pnb online banking guide - how to check balance in pnb bank account online

You can view your account balances via PNB Internet Banking within a few seconds. After logging in to your PNB online banking account, your current balances will instantly appear on the My Accounts page.

If you have a PNB credit card, you’ll be able to see your available limit, outstanding balance, payment details, statement of account, and unbilled transactions.

To view your transaction history for the last two months, simply click the View Details button under a specific account.

An even easier way to check your PNB account balance online is to use the Quick Balance feature in the PNB Mobile Banking App. Quick Balance lets you see your PNB account balances without having to log in to the app.

How to Activate Quick Balance in the PNB Mobile App

  1. Log in to the PNB mobile app.
  2. Tap the three horizontal lines at the upper left corner of the screen.
  3. Select Settings > Quick Balance.
  4. Toggle the PNB account/s you wish to activate for Quick Balance.
  5. Tap “Done.”
  6. Read the Terms and Conditions. Tap “Agree.”

PNB Online Fund Transfer

pnb online banking guide - fund transfer

Using PNB Internet Banking or Mobile Banking App, you can quickly send money to your other PNB account, another person’s PNB account, or another bank account (e.g., BDO, BPI, Metrobank, etc.) or e-wallet account (e.g.,GCash, PayMaya, etc.).

If you’re transferring money to another local bank, you can do the transaction via either PESONet or InstaPay.

How to Transfer Funds Between PNB Accounts

Sending money to another PNB account, whether it’s your own or somebody else’s account, is free of charge. Also, there’s no limit to the amount you can transfer between two PNB accounts.

Here are the steps to send money to another PNB account using PNB online banking:

  1. Log in to your PNB online account.
  2. Click on “Transfer Funds” in the main menu.
  3. Select “My Accounts” if you’ll send money to your own account or “Other PNB Accounts” for fund transfer to somebody else’s PNB account.
  4. Click the PNB account where the funds will come from.
  5. If sending money to your other PNB account, select the destination account. If sending cash to someone else, click on “New Payee” and enter the recipient’s PNB account number. Click the box next to “Save Payee to List” to save the account details for succeeding fund transfers to that account.
  6. Click the Continue button.
  7. If sending money to another person, you’ll be required to enter the one-time PIN (OTP) sent to your mobile number.

After your successful transaction, the money will be credited instantly to the recipient’s PNB account.

How to Transfer Funds to Other Local Banks

Before you transfer money to a non-PNB account, take note of the following information on PESONet and InstaPay transactions in PNB online banking:

Limits, Fee, and AvailabilityPESONet TransfersInstaPay Transfers
Transaction LimitPHP 100,000 per transactionPHP 50,000 per transaction
Daily Transfer LimitMultiple fund transfers up to PHP 600,000 per accountMultiple fund transfers up to PHP 600,000 per account
Service Fee*PHP 30 per transactionPHP 50 per transaction
Fund AvailabilityWithin the same banking day (transactions completed on or before the 12 p.m. cut-off) / Next banking day (transactions completed after the cut-off, on weekends, and on holidays)Real-time

*Note: As of October 2020, PNB has waived PESONet transaction fees until further notice.

Here are the steps to send money to another local bank using PNB online banking:

  1. Log in to your PNB online account.
  2. Click on “Transfer Funds” in the main menu.
  3. Select “Other Local Banks – PESONet” or “Other Local Banks – InstaPay.”
  4. Click the PNB account where the funds will come from.
  5. Select “New Payee.”
  6. Fill out the form with the recipient’s bank account details. Click the box next to “Save Payee to List” to save the account details for succeeding fund transfers to that account.
  7. Click the Continue button.
  8. Review your fund transfer details and enter the OTP sent to your mobile number to confirm your transaction. You’ll receive an email and text message about your successful fund transfer.

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PNB Online Bills Payment

pnb online banking guide - bills payment

Pay your bills online, as well as those of your relatives and friends, through PNB Digital Banking. PNB enables online bills payment for a wide range of utilities, credit cards, insurance plans, loans, government services, and more (Check PNB’s list of billers here[2]). Paying bills through PNB online banking is free.

How Pay Bills with PNB Online Banking

  1. Log in to your PNB online account.
  2. Click on “Pay Bills” in the main menu.
  3. Select the PNB account where the payment will come from.
  4. Click on “New Biller.”
  5. Type the biller’s name on the search box and hit the Enter key. Then click on your chosen biller.
  6. Enter the account/reference number and the amount to pay. Click the box next to “Save Biller to List” to save the details for succeeding payments to that biller. Click the Continue button.
  7. Enter the OTP sent to your mobile number to confirm the transaction. You’ll receive an email notification about your successful bills payment.

Final Thoughts

Using one of the PNB online banking facilities (whether the website or mobile app) for your PNB transactions is a breeze. If you encounter any problem, you may contact the PNB Customer Care team for assistance through (02) 8573-8888 or customercare@pnb.com.ph.

Do you have accounts with other banks? Check out these online banking guides:

Enjoy no annual fees on your credit card!

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