InstaPay and PESONet

PESONet allows depositors to perform non-time sensitive fund transfers with same banking day credit to the beneficiary account subject to cut-off.

For more details, check out www.pesonet.info.

InstaPay provides 24/7 real-time crediting of funds. The beneficiary account shall instantly receive the funds once the transaction is completed.

For more details, click here.

Transfer funds today

Got more questions?

PESONet allows depositors to perform non-time sensitive fund transfers with same banking day credit to the beneficiary account subject to cut-off.

For more details, check out www.pesonet.info.

InstaPay provides 24/7 real-time crediting of funds. The beneficiary account shall instantly receive the funds once the transaction is completed.

For more details, click here.

Transfer funds today

Got more questions?

Transfer Funds in 6 Easy Steps

Step 1.

On the PNB Mobile Banking App or Internet Banking, select Transfer Funds on the main menu

Step 2.

For transfers to Other Local Bank, choose either PESONet (same banking day credit subject to cut-off) or InstaPay (real-time credit)

Step 3.

Select the source account where the amount will be debited

Step 4.

Choose either from Saved Payees or add a New Payee

Step 5.

Enter the amount and confirm transaction details

Step 6.

Input the One-Time PIN (OTP) sent via SMS to complete transaction. A successful transaction notification shall be sent to your registered email and mobile numbers

PESONet and InstaPay provide a secure, fast, and convenient way to send funds or to settle payments in lieu of cash or checks.

What our Customers Have to Say

Thank you, PNB, for your excellent service and for being my first credit card issuer. 101% loyal customer here.

– Catherine A.

I’m so pleased with all the staff who assisted me at PNB Metropolitan Makati. Napaka-maasikaso nila.

– @itsmevanessa

The local PNB branch in Maasin, Southern Leyte offers such a welcoming atmosphere that I felt, enjoyed, and cherished the #YouFirst mantra.

– Bethany G.

I want to congratulate your PNB Manuela Mandaluyong Branch’s fast and approachable service. Now, I got my card.

– Ryan Christian P.

What our Customers Have to Say

Thank you, PNB, for your excellent service and for being my first credit card issuer. 101% loyal customer here.

– Catherine A.

I’m so pleased with all the staff who assisted me at PNB Metropolitan Makati. Napaka-maasikaso nila.

– @itsmevanessa

The local PNB branch in Maasin, Southern Leyte offers such a welcoming atmosphere that I felt, enjoyed, and cherished the #YouFirst mantra.

– Bethany G.

I want to congratulate your PNB Manuela Mandaluyong Branch’s fast and approachable service. Now, I got my card.

– Ryan Christian P.

Frequently Asked Questions

PESONet

Is there a cut-off time for a PESONet funds transfer transaction?

The transfer request should be made by 2PM for same-banking day transmittal to the receiving bank. Transfer requests received after cut-off, on holidays or weekends will be processed for transmission to the receiving bank on the next banking day.

Within the cut-off time, PNB shall send the funds transfer instruction to the receiving bank on or before 4PM. Credit to the payee account is dependent on the processing of the receiving bank. Please inform your payee to coordinate with their bank of account to check if the funds have been credited.

How much can I transact?

You may transfer up Php100,000 per transaction.

Are there any applicable fees for a PESONet funds transfer?

PESONet transfers are subject to a fee of Php30 per transaction. The fee shall be automatically debited from the nominated source account after successful OTP confirmation.

Will there be instances for unsuccessful credit to the receiving bank?

The final credit to the payee account may not be successfully processed by the receiving bank for several reasons such as:

● Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)

● There is a mismatch in the name of the payee account from the name submitted

● The currency of the payee account is not a qualified PHP account

Please ensure to obtain the correct account information to avoid delays in the credit to the payee account.

Can I request a cancellation of a PESONet funds transfer transaction?

Once your account has been debited, the transaction made via PNB Internet Banking or the PNB Mobile Banking App is final and can no longer be cancelled.

How will the funds be returned to me if it was not credited to the receiving bank?

The transfer amount, net of transaction fee, will be credited bank to your source account as soon as the funds are returned to us by the receiving bank.

I made a transfer to the wrong payee account. How do I attempt to recover the funds?

As long as a valid payee account number is provided, the transaction will be final and can no longer be cancelled. We encourage you to obtain the correct account information from your payee to make your transaction hassle-free.