Philippines

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PNB Debit MasterCard

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.

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

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

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

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

Our services make it easy to manage your money.

Deposit Board Rates

Please be advised of the changes in deposit board rates of Dollar Time Deposit and Prime Savings account. The changes shall take effect on January 1, 2014.

Fees and Charges

Please be advised of changes in our fees/charges & maintaining balance requirements given the need to align the same following the merger of PNB and Allied Bank last February 2013. The changes as applicable shall take effect on January 1, 2014.

Internet Banking

A new security feature will now be in place.

Effective May 8, 2014, we are implementing a new added security feature for your Funds Transfer transaction to a 3rd party account. A One-Time Password (OTP) which consists of 6 alpha numeric characters will be sent via SMS to your registered mobile number to complete your transaction. Kindly ensure that your mobile number is updated with us for you to be able to perform funds transfer transaction to a 3rd party account.

To update your mobile number:

• Clients based in the Philippines may download the maintenance form* and personally submit it to your branch of account together with one (1) valid ID.

• Overseas clients may download the maintenance form* and submit it together with a photocopy of any valid ID directly to your branch of account through regular mail.

Thank you for using PNB Internet Banking.

*Application forms can be downloaded from the PNB Internet Banking page.

Note: PNB will NEVER ask our customers to submit any personal information via ONLINE LINK.

YOUR SAFETY IS OUR PRIORITY.

Bank Merger

As PNB and Allied Bank continue to align their services. We are pleased to announce that PNB branches that display the interbranch transaction advisory are now capable of processing selected transactions for former Allied Bank clients. Please proceed directly to the special lanes designated for Allied Bank transactions.

Amendments in the PNB UITF's

Effective October 1, 2013, the product features of various PNB UITF's will be amended. For more details, please click this here

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Maximum Deposit Insurance     
for each depositor P500,000