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PNB Top Saver Account

A unique savings account that allows you to earn more as you save more. Grow your interest rate up to a maximum of 0.500%. Your PNB Top Saver Account comes with a passbook or PNB-PAL Mabuhay Miles Debit Card.

Why open a PNB Top Saver Account

  • ✓ You can grow your interest rate from 0.125% to 0.500%
  • ✓ Enjoy the freedom of choosing between a debit card or a passbook
  • ✓ You can use your card to shop online and in-store
* Tiered interest rates are subject to change when conditions warrant and without prior notice to the accountholder
Ready to open an account?
Bank and track your account anywhere
A unique savings account that allows you to earn more as you save more. Grow your interest rate up to a maximum of 0.500%. Your PNB Top Saver Account comes with a passbook or PNB-PAL Mabuhay Miles Debit Card.
Ready to open an account?
Bank and track your account anywhere

Why open a PNB Top Saver Account

  • ✓ You can grow your interest rate from 0.125% to 0.500%
  • ✓ Enjoy the freedom of choosing between a debit card or a passbook
  • ✓ You can use your card to shop online and in-store
* Tiered interest rates are subject to change when conditions warrant and without prior notice to the accountholder

What are the requirements to open a PNB Top Saver Account

  • 2 Government-issued Valid IDs
  • Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
  • Initial Deposit of PHP 30,000

  • *Branch may request for Proof of Billing for further validation

How do I open a PNB Top Saver Account

Visit a PNB branch and present requirements

Wait for your debit card or passbook

Enroll your account in PNB Mobile Banking App

How to enroll your Top Saver Account to PNB Mobile Banking App

  1. Click Sign-Up in the login page on PNB Mobile Banking App
  2. Choose account type and input Debit Card Number and PIN
  3. Create your user ID and password
  4. Enter 6-digit One-Time PIN (OTP) sent via SMS
  5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail
  1. Visit the nearest PNB branch.
  2. Fill-out the Digital Banking Enrollment Form (Download here)
  3. Click Sign-Up in the login page on PNB Mobile Banking App
  4. Enter account details and SMS PIN sent by the branch
  5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail

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Frequently Asked Questions

  1. How does tiered interest work?

  2. Tiered Interest Rates
    Monthly Balance (ADB) in PHP Base Rate Additional Rate if not more than 2 withdrawals per month Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)
    0-29,999 0.000% 0.000% 0.000%
    30,000 – 149,999 0.000% 0.125% 0.125%
    150,000 – 299,999 0.000% 0.125% 0.125%
    300,000 – 499,999 0.125% 0.125% 0.250%
    500,000 – 2,999,999 0.250% 0.125% 0.375%
    3,000,000 and up 0.375% 0.125% 0.500%
    Withdraw money not more than twice in a month and still enjoy higher interest rates than regular savings account
  3. How much should I deposit?

  4. Initial Deposit PHP 30,000.00
    Min. Maintaining Balance PHP 30,000.00
    Min. ADB to Earn Interest PHP 30,000.00
    Interest Rate Tiered
    Dormancy 2 Years
    Dormancy Fee* PHP 30.00
    *Dormancy fee shall be collected when:
    • 5 years after non-activity and;
    • The balance falls below the required minimum maintaining balance.
  5. How do I get my card?
    • Your PNB PAL Mabuhay Miles Debit Mastercard shall be available for pick up at the Branch where you opened the account.
  6. When do I get my card?
    • Your PNB PAL Mabuhay Miles Debit Mastercard shall be available for pick up at the Branch where you opened the account after 7-10 banking days from the date of account opening.
  7. Can I get both passbook and debit card?
    • No. Only either a passbook or a debit card will be issued per account holder.
  8. How do I get my passbook?
    • Your initial passbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.
  9. What is the maintaining balance?
    • The minimum maintaining balance for Top Saver Account is PHP 30,000.00.
  10. What is the fee for not meeting maintaining balance?
    • If the Average Daily Balance (ADB) of your Top Saver Account falls below the required minimum monthly ADB for at least two (2) consecutive months, it will be charged PHP 350.00 per month until your account reaches the ADB requirement.
  1. What is a PNB PAL Mabuhay Miles Debit Mastercard?

    PNB PAL Mabuhay Miles Debit Mastercard features and benefits are as follows:
    • Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
    • Enjoy a 500 Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
    • Withdraw at any BancNet ATMs in the Philippines
    • Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
    • Use for online transactions for ease and convenience
    • Tap to pay on any Mastercard contactless-enabled POS machines
  2. How do I use my card to purchase online?
    • For online purchases, simply input your card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.
  3. Are there local transaction charges?
    • Local transaction charges are as follows:

    Withdrawal on PNB ATM None
    Inquiry on PNB ATM None
    Withdrawal on Other Bank’s ATM PHP 11.00
    Inquiry on Other Bank’s ATM PHP 2.00
    BancNet POS None
    Fund Transfer to Other Banks through BancNet (IBFT) PHP 25.00
  4. Can I use my card to pay online?
    • To use your PNB-PAL Mabuhay Miles Debit Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions. 
  5. Are there international transaction charges?
    • International transaction charges are as follows:

    Withdrawal PHP 150.00
    Inquiry PHP 75.00

    * All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. A fee of up to three percent (3%) will be imposed by the Bank on the converted amount which represents our service fee and other charges related to the transaction.
  6. Can I withdraw my money abroad?
    • Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.
  7. How do I get OTP for my transactions?
    • Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB-PAL Mabuhay Miles Debit Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.
  8. Are there fees for OTP transactions?
    • OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
  9. What to do when I don’t get an OTP for transactions?
    • Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.
  1. How do I report a lost/stolen debit card?
  2. Is there a fee for debit card replacement?
    • Yes, debit card replacement is charged PHP 150.00
  3. How do I report a lost/stolen passbook?
    • In case of lost / stolen passbook, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email customercare@pnb.com.ph. You may only have your lost passbook replaced at your Maintaining Branch.
  4. Is there a fee for passbook replacement?
    • For lost passbook, replacement fee is PHP 200.00. Fully filled up passbook will be replaced for free.

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Customer Care Contacts

PNB Cards
Tel. No.: (+632) 8818 9818
Email: pnbcreditcards@pnb.com.ph
Bank Hotline
Tel. No.: (+632) 8573 8888
Email: customercare@pnb.com.ph
Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas consumeraffairs@bsp.gov.ph. Access BSP Online Buddy (BOB) via Webchat, Facebook, and SMS 021582277 (for Globe subscribers).
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