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PNB Debit MasterCard is a PIN-based ATM Card which provides 24/7 banking convenience using various channels. The card can be used across the globe wherever MasterCard and Maestro is accepted. It can be used for cashless purchases at over 32 million shops worldwide. It can also be used at over 2 million ATMs across the globe.

Product Features:

  • Interest-earning account*
  • International ATM Card
  • Online copy of statement
  • Accepted at any Bancnet, Megalink, or Expressnet ATM in the Philippines
  • Accepted internationally at MasterCard and Maestro affiliated shops and ATMs
  • Can be used to :
    • Check your balance
    • Withdraw cash at ATMs
    • Make cash deposits (at selected PNB ATMs)
    • Transfer funds
    • Pay bills online
    • Pay bills thru local ATM networks
    • Purchase goods and services thru BancNet accredited merchants nationwide
    *ADB must be Php 10,000.00 to earn interest

PNB Debit MasterCard could be used at:

  1. Local Transactions:
    • Local ATMs (BancNet, MegaLink, and ExpessNet)
    • BancNet merchants nationwide
    • BancNet online transactions
    • PNB’s Internet, Phone and Mobile Banking
    • Local MasterCard and Maestro Merchants
  2. International transactions:
    • International ATM Networks ( MasterCard and Maestro )
    • International MasterCard and Maestro Merchants

Transaction Limits:

  • Php 10,000.00 maximum withdrawal limit per transaction
  • Php 50,000.00 maximum withdrawal limit per day
  • Php 50,000.00 maximum POS usage per day**

    **Limits are shared between ATM Withdrawal and POS

Requirements for Account Opening:

  • 2 photo-bearing government issued IDs (e.g., driver’s license, SSS/ GSIS ID, voter’s ID, PRC license, passport)
  • 2 ID pictures (1x1 or 2x2)
  • Accomplished Client Information Form, Account Information Form, Signature Card and Conditions Form

Required Initial Deposit: Php 3,000.00

Debit MasterCard Fees and Charges

Balance Requirement
Initial Deposit Php 3,000.00
Minimum Maintaining Balance Php 3,000.00
Minimum ADB to Earn Interest Php 10,000.00
Interest Rate 0.125% p.a.
Dormancy Fee Php 300.00 
Non-usage Charge n.a.
Debit MasterCard Expiry Date 5 years
Record of Transactions Electronic SOA
Local Transaction Charges
Withdrawal on PNB Machine None
Inquiry on PNB Machine None
Withdrawal on Other Bank’s Machine Php 11.00
Inquiry on Other Bank’s Machine Php 2.00
BancNet POS None
ATM Fund Transfer to Other BancNet Member Banks Php 25.00
International Transaction Charges
Withdrawal Php 150.00
Inquiry Php 75.00
MasterCard POS None
Other Charges
Card Replacement Php 100.00
Closure within 30 days upon opening Php 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months. Php 300.00
Requests for issuance of certification of deposit account balances. P100.00
Interbranch/interoffice deposit/withdrawal transaction, except transactions made between and among –
  • Metro Manila branches;
  • Non-Metro Manila branches or provincial branches located within the same city, municipality or province.
P100.00/P200.00

The PNB Debit MasterCard is available at all PNB branches nationwide.