PNB TAP Debit Mastercard is an innovative, secure and convenient method of purchasing items by simply tapping the ATM card at any PayPass enabled machine. Now, you can speed past cashier lines without the hassle of counting coins and bills, entering PINs or signing sales slips.

You can still use your card to withdraw cash, check your balance and purchase goods and services wherever MasterCard and Maestro are accepted all over the globe, or with all your local transactions nationwide, 24/7.

Product Features:

  • Interest-earning account*
  • PIN-based ATM Card
  • Online copy of Statement (via Internet Banking)
  • International ATM Card
  • No initial deposit
  • No maintaining balance
  • Accepted at any BancNet, MegaLink, or ExpressNet ATM in the Philippines
  • Can be used to:
    • Purchase goods and services by tapping** or swiping your card
    • (Even if tapped more than once, client will only get billed once for the purchase)
    • 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

    ** TAP feature can be used on MasterCard PayPass-enabled POS machines for purchases amounting to Php 500.00 and below

PNB TAP Debit Mastercard could be used at:

  1. Local Transactions:
    • Local ATMs (BancNet, MegaLink, and ExpressNet)
    • BancNet merchants nationwide
    • BancNet online transactions
    • PNB’s Internet, Phone and Mobile Banking
    • Local MasterCard and Maestro Merchants
    • Local PayPass Merchants
  2. International transactions:
    • International ATM Networks ( MasterCard and Maestro )
    • International MasterCard and Maestro Merchants
    • International PayPass Merchants ( MasterCard )
  3. Stores/Boutiques which have a PayPass (PNB Tap Debit Mastercard) enabled machines***
      • Starbucks
      • Bon Chon
      • El Pollo Loco
      • Brothers Burger
      • Pepper Lunch
      • Sbarro
      • Cupcakes

    ***Selected branches/outlets

Transaction Limits:

  • Php 10,000.00 maximum withdrawal limit per transaction
  • Php 50,000.00 maximum withdrawal limit per day
  • No transaction limit in POS usage

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 (1×1 or 2×2)
  • Accomplished Client Information Form, Account Information Form, Signature Card and Conditions Form

Required Initial Deposit: None

TAP MasterCard Fees and Charges

Balance Requirement
Initial Deposit None
Minimum Maintaining Balance None
Minimum ADB to Earn Interest Php 10,000.00
Interest Rate
Effectivity Date: February 1, 2015
0.100% p.a.
TAP Account Fee Php 180.00 per year or Php 15.00 per month
**Dormancy Fee Php 30.00
TAP MasterCard Expiry Date 5 years
Record of Transactions Electronic SOA (by request)
Local Transaction Charges
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
International Transaction Charges*
Withdrawal Php 150.00
Inquiry Php 75.00
MasterCard POS None

* 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.

Other Charges
OTC (over-the-counter) withdrawal Php 300.00
Card Replacement Php 250.00
Closure within 30 days upon opening Php 500.00
Requests for issuance of certification of deposit account balances. Php 100.00
Interbranch/interoffice deposit transactions

Except transactions made between and among the following branches –
  • Basco, Odiongan, Romblon, Bantayan, Tawi-Tawi, Tawi-Tawi Bongao, Jolo, Jolo-Arolas, Basilan and Basilan-Roxas

Php 100.00
Interbranch/interoffice withdrawal transactions

Except transactions made between and among the following branches –
  • Basco, Odiongan, Romblon, Bantayan, Tawi-Tawi, Tawi-Tawi Bongao, Jolo, Jolo-Arolas, Basilan and Basilan-Roxas

Php 200.00

** Dormancy fees on a dormant deposit accounts shall be collected when:
– 5 years after the last activity and
– If the balance falls below the required minimum maintaining balance.