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PNB Table of Fees and Charges

Interbranch Transactions    
FEE TYPE CURRENCY REMARKS CHARGE

Cash Deposit

 PHP Inter-Region CASH DEPOSIT
  • Minimum of Php 50.00
  • Php 50.00 for every Php 100,000.00 and a fraction thereof

To illustrate:
  • Transacting Branch (TB)
  • Branch of Account (BOA)
TB BOA Cash Deposit Charge
From: Manila Escolta Branch (NCR) To: Pasig-Shaw Branch (NCR) Php 500,000.00 FREE (Same Region)
From: Pasay Taft Branch (NCR) To: Naic-Cavite Branch (Calabarzon) Php 10,000.00 Php 50.00 (Minimum Service Charge)
From: Manila Escolta Branch (NCR) To: Naic-Cavite Branch (Calabarzon) Php 500,000.00 Php 250.00 (Different Region)
From: Mindoro Roxas Branch (Mimaropa) To: Occidental Mindoro Mamburao Branch (Mimaropa) Php 300,000.00 FREE (Involving Island Branches but same region)

****No charge for inter-branch cash deposit transactions involving a Priority Checking Account

Check Deposit

 PHP 26 Island Branches:
  1. Batanes-Basco
  2. Occidental Mindoro – Mamburao
  3. Occidental Mindoro – San Jose
  4. Oriental Mindoro – Calapan
  5. Oriental Mindoro – Pinamalayan
  6. Romblon – Odiongan
  7. Romblon – Republika
  8. Marinduque – Boac
  9. Marinduque – Sta. Cruz
  10. Catanduanes – Virac
  11. Masbate City
  12. Cebu – Bantayan
  13. Siquijor – Larena
  14. Boracay – Station 2
  15. Davao – Samal Island
  16. Camiguin – Mambajao
  17. Siargao Island – Dapa
  18. Marawi City MSU Campus
  19. Tawi-Tawi – Bongao
  20. Jolo – Arolas
  21. Basilan – Isabela – Roxas
  22. Oriental Mindoro – Bongabong
  23. Oriental Mindoro – Pinamalayan Malvar
  24. Oriental Mindoro – Puerto Galera
  25. Oriental Mindoro – Roxas
  26. Oriental Mindoro – Victoria
 Check Deposit
  • Php 100.00 for Check Deposit involving the 26 Island Branches
  • No Check Deposit Fee shall be collected if the Transacting Branch and Branch of Account are both regular branches.

To illustrate:
  • Transacting Branch (TB)
  • Branch of Account (BOA)
TB BOA Charge
Regular Regular None
Regular Island Branch Php 100.00
Island Branch Regular Php 100.00
Island Branch Island Branch Php 100.00

****No charge for inter-branch check deposit transactions involving a Priority Checking Account
Cash and Check Deposit USD Deposits across all branches (Savings and Checking Accounts) CASH / CHECK DEPOSIT
  • Php 100.00 across all branches

Interbranch Withdrawal, Check Encashment and Fund Transfer

 PHP 26 Island Branches:
  1. Batanes-Basco
  2. Occidental Mindoro – Mamburao
  3. Occidental Mindoro – San Jose
  4. Oriental Mindoro – Calapan
  5. Oriental Mindoro – Pinamalayan
  6. Romblon – Odiongan
  7. Romblon – Republika
  8. Marinduque – Boac
  9. Marinduque – Sta. Cruz
  10. Catanduanes – Virac
  11. Masbate City
  12. Cebu – Bantayan
  13. Siquijor – Larena
  14. Boracay – Station 2
  15. Davao – Samal Island
  16. Camiguin – Mambajao
  17. Siargao Island – Dapa
  18. Marawi City MSU Campus
  19. Tawi-Tawi – Bongao
  20. Jolo – Arolas
  21. Basilan – Isabela – Roxas
  22. Oriental Mindoro – Bongabong
  23. Oriental Mindoro – Pinamalayan Malvar
  24. Oriental Mindoro – Puerto Galera
  25. Oriental Mindoro – Roxas
  26. Oriental Mindoro – Victoria
 WITHDRAWAL / CHECK ENCASHMENT / FUND TRANSFER
  • Php 200.00 for Withdrawal, Check Encashment and Fund transfer transactions involving the 26 Island Branches
  • No Withdrawal, Check Encashment and Fund Transfer Fee shall be collected if the Transacting Branch and Branch of Account are both regular branches

To illustrate:
  • Transacting Branch (TB)
  • Branch of Account (BOA)
TB BOA Charge
Regular Regular None
Regular Island Branch Php 200.00
Island Branch Regular Php 200.00
Island Branch Island Branch Php 200.00

****No charge for inter-branch withdrawal transactions involving a Priority Checking Account
Interbranch Withdrawal and Check Encashment USD Withdrawal/Encashments across all branches WITHDRAWAL / ENCASHMENT
  • Php 200.00 for USD Withdrawal and Check Encashment transactions across all branches
  • No USD Fund Transfer Fee shall be collected for transactions across all branches
Transactional Charges    
FEE TYPE CURRENCY REMARKS CHARGE

Budget Checking

 PHP On-us Check Encashment and Incoming Clearing Check in excess of 3 transactions per month

NOTE: Charges shall be automatically debited in lump sum at the end of the month

PHP20.00
Over-the-counter Withdrawal (via withdrawal slip)

NOTE: Charges shall be automatically debited in lump sum at the end of the month		 PHP50.00
Greencheck USD Presented at Federal Reserve Bank (FRB), New York USD8.00
Presented at branch of account None
Returned Check (regardless of reason and mode of presentment) USD15.00
TAP Mastercard PHP Monthly Account Fee (charged every end of the month) PHP15.00
Over-the-counter Withdrawal Fee PHP300.00

Cash Letter Facility

 USD Foreign Draft (FDR) – other bank check
  1. Transaction fee – PHP200.00 regardless of amount
  2. Out-of-pocket expense – PHP100/item
Returned checks USD30.00 per check
Outward Collection Item USD and 3rd Currency

Charges for outward collection items come in two phases:

  1. Upon Presentation
  2. Upon Settlement where funds are credited to client’s account

NOTE: Additional CorrBank and/or drawee bank charges will be deducted once COC received proceeds as final payment
  1. Upon presentation
    1. Transaction fee
      – USD15.00 if check amount is below USD50,000.00 or its 3rd Currency equivalent
      – USD40.00 if check amount is USD50,000.00 and above or its 3rd Currency equivalent
    2. Doc Stamp – PHP0.60 for every PHP200.00 and a fraction thereof
    3. Out-of-pocket expense – PHP100.00/item
  2. Upon Settlement – Collection charges depend on CorrBank/drawee bank charge
Final Credit Service / FCS Return Check USD40.00 per check to be deducted after clearing settlement
Individual Check Collection (ICC) USD100.00 per check plus additional fee from CorrBank and/or drawee bank as service fee/Transaction Fee to be deducted after clearing settlement
ICC Return Check Charges depend on CorrBank/drawee bank charge

Inward Collection Item

 PHP Charges for inward collection items can be classified into two:
  1. Honored collection item
  2. Dishonored collection item
  1. Honored Collection Item:
    1. Transaction fee
      * For transaction amount up to PHP50,000.00 – PHP250.00 per item
      * For transaction amount above PHP50,000.00 – PHP250.00 for the first PHP50,000.00 then 1/8 of 1% of amount in excess of PHP50,000.00 or PHP250.00, whichever is higher
    2. SWIFT Charge – USD15.00
    3. Doc Stamp – PHP0.60 for every PHP200.00 and a fraction thereof
  2. Dishonored Collection Item
    1. Return Fee – Charges depend on drawee bank
    2. SWIFT Charge – USD15.00
    3. Out-of-pocket expense – PHP100/item
Outgoing Remittance PHP Local Telegraphic Transfer (TT)

PHP153.00 with breakdown as follows:

  • PHP100.00 – Transaction Fee
  • PHP50.00 – Cable Charge
  • PHP3.00 – DST
PHP Funded FX Telegraphic Transfer

PHP100.00 – Transaction fee
PHP0.60 in every PHP200.00 – DST
OUR – USD28.00 plus USD20.00 correspondent bank fee plus incidental for 3rd currency exp. shouldered by remitter;
SHA – USD28.00 shouldered by the remitter plus correspondent bank charges to be shouldered by beneficiary

USD & 3rd Currency Funded OUR – USD28.00 plus USD20.00 correspondent bank fee plus incidental for 3rd currency exp. shouldered by remitter;
SHA – USD 28.00 shouldered by the remitter plus correspondent bank charges to be shouldered by beneficiary
PHP Real Time Gross Settlement (RTGS)/PhilPass *PHP503.00 – transactions below PHP40Million
*PHP803.00 – transactions PHP40Million and over
*PHP253.00 – in case of transaction amendments regardless of transaction amount
USD Philippine Dollar Domestic Transfer (PDDTS)

USD20.00 regardless of amount

Use selling rate for Peso to Dollar conversion
Inward Remittance from Local Banks PHP Real Time Gross Settlement (RTGS) Credit to PNB PHP Account
Commission – P250.00
DST – P3.00 fixed
USD Gross Settlement Real Time (GSRT) Credit to PNB PHP account
Commission – P110.00
DST – P0.60/P200 or fraction thereof

Credit to PNB USD account
Commission – $6.00
USD Philippine Dollar Domestic Transfer (PDDTS) Credit to PNB PHP account
Commission – P110.00
DST – P0.60/P200 or fraction thereof

Credit to PNB USD account
Commission – $5.50
Inward Remittance Service Charge for Direct Deposit Program (DDP) PHP Inward Remittance Service Charges for US Pensioner Account under the Direct Deposit Program (DDP) Peso Deposit Account
PNB New York $ 8.00
PNB Los Angeles $ 8.00
PNB Guam $ 10.00

Dollar Deposit Account
PNB New York $ 10.00
PNB Los Angeles $ 10.00
PNB Guam $ 10.00

*** Monthly pension benefits coursed through PNB US branches shall be credited to the pensioner’s DDP account net of the said charges.
USD
Inward Foreign Remittance through PNB Accounts with Foreign Correspondent Banks ((NOSTRO-DUE FROM US/FX BANKS) PHP USD & 3rd Currency Society for Worldwide Interbank Financial Telecommunication (SWIFT) Credit to PNB PHP account
Service Fee – P450.00
DST – P0.60/P200 or fraction thereof

Credit to Other Bank PHP Account
Service Fee – P500.00
DST – P0.60/P200 or fraction thereof

Credit to PNB or Other Bank USD account
Service Fee – $8.00

Credit to PNB 3rd currency account
Service Fee – $8.00 (3rd ccy to USD equivalent)
Inward Foreign Remittance through Accounts of Foreign Correspondent Banks with PNB (VOSTRO-DUE TO FX BANKS) PHP/USD Society for Worldwide Interbank Financial Telecommunication (SWIFT) Credit to PNB PHP account
Service Fee – P250.00
DST – P0.60/P200 or fraction thereof

Credit to Other Bank PHP account
Service Fee – P300.00
DST – P0.60/P200 or fraction thereof

Credit to PNB USD account
Service Fee – $5.00
Credit to Other Bank USD account – $7.00
Foreign Currency Transaction (through Mastercard) PHP Transaction amount is converted to Peso

Service and assessment fee forms part of the converted Peso amount for foreign currency transactions.		 Conversion is based on exchange rate applied by Mastercard

3% of converted transaction amount
ATM Transactions    
FEE TYPE CURRENCY REMARKS CHARGE

ATM Balance Inquiry

 PHP Balance Inquiry of PNB ATM Card via PNB ATMs

Free
Balance Inquiry of Other Local Bank’s ATM Card via PNB ATM PHP2.00
Balance Inquiry of PNB ATM Card via Other Local Bank’s ATM Dictated by Acquiring Bank / ATM Owner

ATM Withdrawal

 PHP Withdrawal of PNB ATM Card via PNB ATMs

Free
Withdrawal of Other Local Bank’s ATM Card via PNB ATM PHP15.00
Withdrawal of PNB ATM Card via Other Local Bank’s ATM Dictated by Acquiring Bank / ATM Owner
ATM InterBank Fund Transfer (IBFT) PHP Fee on IBFT transactions PHP25.00
ATM Safe PHP Monthly Service Fee (charged every 27th of the month) PHP12.00

ATM Service Charge

 PHP Withdrawal, Fast Cash, and Cash Advance transactions of International Cards via PNB ATMs

PHP250.00
Withdrawal transactions of PNB Cards via International ATM*** PHP150.00
Balance Inquiry transactions of PNB Cards via International ATM*** PHP75.00
*** 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. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.
OTC Services    
FEE TYPE CURRENCY REMARKS CHARGE
Bank Certification PHP General Purpose, SEC and other embassies PHP200.00
For British Visa application PHP200.00
Bills Payment PHP Payments to various utility companies and merchants A fee may be charged for payments to select billers
SSS Real-Time Posting (SSS-RTP) PHP Real-time posting of SSS Payments via Payment Reference Number for SSS loans and contributions A corresponding fee will be charged per SSS payment type
Checkbook Reorder via OTC/IBS/MBS PHP Individual PHP250.00
Corporate PHP500.00
EC Writer Checkpad / Cut Sheets (for Corporate only) via C@shNet Plus PHP670.00
USD Individual USD10.00
Corporate USD17.50
Demand Draft USD To be charged upon application

USD10.00
Manager’s Check Request PHP To be charged upon application

PHP100.00
Replacement of Lost, Stolen, or Damaged Debit Card / GFC PHP Debit Card / GFC

PHP200.00
Replacement of Expired Debit Card / GFC PHP Debit Card / GFC

FREE
Replacement of Lost / Damaged Passbook PHP Peso Passbook PHP200.00
USD US Dollar Passbook PHP200.00
Stop Payment Order PHP To be charged upon SPO application per check PHP200.00
Penalty Charge – To be charged upon check negotiation if check is FUNDED PHP2,000.00
NSF Charge – to be charged on top of Penalty Charge upon check negotiation if check is UNFUNDED PHP200.00 per day per check per PHP40,000.00 and a fraction thereof
USD To be charged upon SPO application per check USD15.00
Penalty Charge – To be charged upon check negotiation regardless if check is FUNDED or UNFUNDED USD15.00
Certificate of Remittance (COR) / Certificate of Inward Remittance (CIR) PHP Fee on requests for Certificate of Remittance / Certificate of Inward Remittance

PHP200.00
PESONet (OTC) PHP Via Branch

PHP203.00 per transaction
Prepaid Card Fee PHP

Collected upon issuance of the card and client- initiated replacement

Payment covers amount of the Card, PIN Mailer, and Card Kit

Personalized – PHP250.00

Non-Personalized – PHP150.00
Prepaid Card Top-up Fee PHP

Collected for every Top-up on the card (OTC via Branches)

PHP20.00
Prepaid Service Fee PHP

Collected for every OTC Prepaid Transaction

PHP20.00
Penalty Charges    
FEE TYPE CURRENCY REMARKS CHARGE

Dormancy

*Accounts become Dormant in case of non-activity for one (1) year for CAs and two (2) years for SAs.

**Dormancy Fee is applicable only to dormant accounts after five (5) years of non-activity and if they fall below the required minimum maintaining balance.

 PHP Peso Regular Accounts

PHP30.00
Peso Pensioner Accounts (SSS/GSIS)

PHP30.00
USD USD Savings Personal, Corporate, and OFW USD0.50
USD Checking Account (Greencheck)

USD0.50
EUR

Euro Personal and Commercial

None
GBP

English Pound Personal and Commercial

None
CAD

Canadian Dollar Personal and Commercial

None
AUD

Australian Dollar Personal and Commercial

None
SGD

Singapore Dollar Personal and Commercial

None
HKD

Hongkong Dollar Personal and Commercial

None
JPY

Japanese Yen Personal and Commercial

None
CHF

Swiss Franc Personal and Commercial

None
CNH

Chinese Yuan Personal and Commercial

None

Early Closure

*Applicable to accounts closed within thirty (30) days from account opening

 PHP Peso Regular Personal & Corp.

PHP500.00
USD USD Savings Personal and Corporate

USD10.00
EUR Euro Personal and Commercial

EUR5.00
GBP English Pound Personal and Commercial

GBP500.00
CAD Canadian Dollar Personal and Commercial

CAD13.00
AUD

Australian Dollar Personal and Commercial

AUD500.00
SGD

Singapore Dollar Personal and Commercial

SGD20.00
HKD

Hongkong Dollar Personal and Commercial

HKD100.00
JPY

Japanese Yen Personal and Commercial

JPY1,000.00
CHF

Swiss Franc Personal and Commercial

CHF1,000.00
CNH

Chinese Yuan Personal and Commercial

CNH50.00

Minimum Maintaining Balance Penalty (MMBP)

*Collected from accounts whose Average Daily Balance (ADB) falls below required Minimum Maintaining Balance (MMB) for 2 consecutive months

 PHP Peso Regular Individual

PHP350.00
Peso Regular Corporate

PHP500.00
Peso SSS Pensioner Accounts

PHP150.00
PHP DIRECT DEPOSIT

PHP55.00
USD USD Savings Personal and Commercial

USD10.00
USD Checking Account (Greencheck)

USD20.00
Savings Dollar Special – PNB EMP/DIRECT DEPOSIT

USD10.00
EUR Euro Personal and Commercial

EUR5.00
GBP English Pound Personal and Commercial

GBP4.00
CAD Canadian Dollar Personal and Commercial

CAD7.00
AUD

Australian Dollar Personal and Commercial

AUD8.00
SGD

Singapore Dollar Personal and Commercial

SGD8.00
HKD

Hongkong Dollar Personal and Commercial

HKD40.00
JPY

Japanese Yen Personal and Commercial

JPY1,000.00
CHF

Swiss Franc Personal and Commercial

CHF6.00
CNH

Chinese Yuan Personal and Commercial

CNH50.00
No Sufficient Funds (NSF) Return PHP For Presenting Bank PHP1,000.00
For Drawee Bank PHP1,000.00
Penalty Charges computed on per check per day per PHP40,000.00 and a fraction thereof basis PHP200.00
Foreign Currency Notes Deposit USD

Withdrawal Within Holding Period

0.25% of Whole Amount in Original Currency – Handling Fee

**Holding period is 24 calendar days
Foreign Currency Notes Deposit 3rd Currency
Prepaid Card Inactivity Fee PHP

Collected monthly if no record of financial activity. Collection of fee from the Prepaid Card balance will begin on the 1st day of the 8th month.

Note: A Prepaid Card is considered inactive if no transaction within seven (7) months.

PHP20.00
Other Services    
FEE TYPE CURRENCY REMARKS CHARGE
SOA Request PHP  

PHP100.00 for the first page PLUS PHP10.00 each for the second and succeeding pages.
SOA Request with Scanned Check PHP

PHP100.00 for the first page PLUS PHP10.00 each for the second and succeeding pages PLUS PHP45.00 per scanned check.
Document Retrieval PHP

If document age is:

less than 5 years = PHP500.00/USD15.00

more than 5 years = PHP5,000.00/USD115.00
Safety Deposit Box PHP

Annual Rental Fee

*Renter should be an account holder. Banking relationship with the renter shall also be considered.
SIZE PRICE VOLUME RANGE
XS (3x5x21) PHP850.00 524 cu. in. and below
S (5x5x21) PHP1,200.00 525 cu. in. – 839 cu. in.
M (5x10x21) PHP1,550.00 840 cu. in. – 2,099 cu. in.
L (10x10x21) PHP2,500.00 2,100 cu. in. – 3,599 cu. in.
XL (15x10x24) PHP3,000.00 3,600 cu. in. and above
Deposit for key PHP2,000.00
Replacement for Lost Key and Installation of New Lock PHP2,000.00
Digital Banking Transaction Fees    
FEE TYPE CURRENCY CHANNEL REMARKS CHARGE
PESONet(Retail) PHP PNB Digital App Batch bank to bank transfer PHP20.00 per transaction
InstaPay (Retail) PHP Real-time bank to bank fund transfer PHP20.00 per transaction
Third-Party PNB Fund Transfer (Retail) PHP PNB to other person’s PNB Account FREE – First three (3) FTs per week
PHP10.00 per transaction – Fourth (4th) and succeeding FTs per week (Transaction Counter is refreshed every Monday at 12AM PH Time)
Bills Payment (Retail) PHP Payments to various utility companies and merchants A convenience fee may be charged for payments to select billers

Learn More
PESONet (Corporate ) PHP CashNet Plus Batch bank to bank transfer

PHP50.00 for every successful transaction PHP100.00 for every unsuccessful credit attributed to transaction rejections initiated by the receiving bank
InstaPay (Corporate) PHP Real-time bank to bank fund transfer

PHP15.00 for every successful transaction
PHP10.00 for every unsuccessful credit attributed to transaction rejections initiated by the receiving bank
Bills Payment (Corporate) PHP Payments to various utility companies and merchants

A convenience fee may be charged for payments to select billers

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