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

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– Catherine A.

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– @itsmevanessa

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– 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

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.

Effective 02 May 2019, PESONet fund transfers rejected due to the following reasons will be charged a Php100 Return Item Service Fee by the receiving bank.
– Payee account number is invalid
– Currency of payee account is invalid

This is pursuant to the PESONet Guidelines per PCHC Memo Circular No. 3517 issued on 13 March 2019.

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.

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.

Effective 02 May 2019, PESONet fund transfers rejected due to the following reasons will be charged a Php100 Return Item Service Fee by the receiving bank.
– Payee account number is invalid
– Currency of payee account is invalid

This is pursuant to the PESONet Guidelines per PCHC Memo Circular No. 3517 issued on 13 March 2019.

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.

InstaPay

InstaPay

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

There is no cut-off. You can transfer funds 24/7 with real-time credit to payee account.

How much can I transact?

You may transfer up Php50,000 per transaction.

Are there any applicable fees for interbank funds transfer?

InstaPay transfers are subject to a fee of Php50 per transaction. The fee shall be automatically debited from the nominated source account after successful OTP confirmation.

How soon are funds credited to the receiving bank?

The funds will immediately be credited to the payee account.

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

If in case the transaction was successful and yet the funds have not been credited to the payee account, this will be subject to the receiving bank’s crediting.

Possible casuses:

● Host is down

● Bancnet connection is down

● Receiving bank is down

Funds are expected to be credited to the payee account within the next banking day.

Can I request cancellation of an InstaPay 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?

For failed transactions, no credit shall be made to the payee account. If the source account was debited for the transfer amount and transaction fee, they will be credited back on the next banking day.

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.

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

There is no cut-off. You can transfer funds 24/7 with real-time credit to payee account.

How much can I transact?

You may transfer up Php50,000 per transaction.

Are there any applicable fees for interbank funds transfer?

InstaPay transfers are subject to a fee of Php50 per transaction. The fee shall be automatically debited from the nominated source account after successful OTP confirmation.

How soon are funds credited to the receiving bank?

The funds will immediately be credited to the payee account.

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

If in case the transaction was successful and yet the funds have not been credited to the payee account, this will be subject to the receiving bank’s crediting.

Possible casuses:

● Host is down

● Bancnet connection is down

● Receiving bank is down

Funds are expected to be credited to the payee account within the next banking day.

Can I request cancellation of an InstaPay 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?

For failed transactions, no credit shall be made to the payee account. If the source account was debited for the transfer amount and transaction fee, they will be credited back on the next banking day.

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.

Participating Institutions

Participating Institutions

INSTITUTION	PESONet	InstaPay
Al-Amanah Islamic Investment Bank	✓	–
Asia United Bank	✓	✓
ANZ	✓	–
BDO	✓	✓
Bangkok Bank	✓	–
Bank of America	✓	–
Bank of China	✓	–
Bank of Commerce	✓	✓
BPI	✓	✓
Bank of Tokyo-Mitsubishi	✓	–
Chinabank Savings	✓	✓
Chinabank	✓	✓
Citibank	✓	–
CTBC Bank	✓	✓
DCPAY Philippines (COINS.PH)	✓	–
Deutsche Bank	✓	–
Development Bank of the Philippines	✓	✓
Dungganon Bank	✓	✓
Eastwest Bank	✓	✓
Equicom Savings Bank	✓	✓
First Consolidated Bank	✓	–
G-Cash	–	✓
HSBC	✓	–
Industrial Bank of Korea	✓	–
ING Bank N.V.	✓	–
ISLA Bank	–	✓
JPMorgan Chase Bank	✓	–
KEB Hana Bank	✓	–
Land Bank of the Philippines	✓	–
Malayan Bank	–	✓
Maybank	✓	✓
Mega Intl Commercial Bank	✓	–
Metrobank	✓	✓
Mizuho Bank	✓	–
OmniPay	–	✓
Partner Rural Bank (Cotabato)	–	✓
PayMaya	–	✓
Philippine National Bank	✓	✓
Philippines Business Bank	–	✓
PBCOM	✓	✓
PS Bank	✓	✓
Philtrust Bank	✓	✓
Producers Savings Bank Corporation	✓	–
Veterans Bank	✓	✓
PNB Savings Bank	–	✓
RCBC	✓	✓
RCBC Savings Bank	–	✓
Robinsons Bank	✓	✓
Security Bank	✓	✓
Shinhan Bank	✓	–
Sterling Bank of Asia	✓	✓
Sumitomo Mitsui Banking Corp	✓	–
Standard Chartered	✓	–
Sun Savings Bank	–	✓
UnionBank	✓	✓
UCPB	✓	✓
UCPB Savings Bank	–	✓
United Overseas Bank	✓	–
Wealth Development Bank	–	–
Yuanta Savings Bank	✓	✓

INSTITUTION	PESONet	InstaPay
Al-Amanah Islamic Investment Bank	✓	–
Asia United Bank	✓	✓
ANZ	✓	–
BDO	✓	✓
Bangkok Bank	✓	–
Bank of America	✓	–
Bank of China	✓	–
Bank of Commerce	✓	✓
BPI	✓	✓
Bank of Tokyo-Mitsubishi	✓	–
Chinabank Savings	✓	✓
Chinabank	✓	✓
Citibank	✓	–
CTBC Bank	✓	✓
DCPAY Philippines (COINS.PH)	✓	–
Deutsche Bank	✓	–
Development Bank of the Philippines	✓	✓
Dungganon Bank	✓	✓
Eastwest Bank	✓	✓
Equicom Savings Bank	✓	✓
First Consolidated Bank	✓	–
G-Cash	–	✓
HSBC	✓	–
Industrial Bank of Korea	✓	–
ING Bank N.V.	✓	–
ISLA Bank	–	✓
JPMorgan Chase Bank	✓	–
KEB Hana Bank	✓	–
Land Bank of the Philippines	✓	–
Malayan Bank	–	✓
Maybank	✓	✓
Mega Intl Commercial Bank	✓	–
Metrobank	✓	✓
Mizuho Bank	✓	–
OmniPay	–	✓
Partner Rural Bank (Cotabato)	–	✓
PayMaya	–	✓
Philippine National Bank	✓	✓
Philippines Business Bank	–	✓
PBCOM	✓	✓
PS Bank	✓	✓
Philtrust Bank	✓	✓
Producers Savings Bank Corporation	✓	–
Veterans Bank	✓	✓
PNB Savings Bank	–	✓
RCBC	✓	✓
RCBC Savings Bank	–	✓
Robinsons Bank	✓	✓
Security Bank	✓	✓
Shinhan Bank	✓	–
Sterling Bank of Asia	✓	✓
Sumitomo Mitsui Banking Corp	✓	–
Standard Chartered	✓	–
Sun Savings Bank	–	✓
UnionBank	✓	✓
UCPB	✓	✓
UCPB Savings Bank	–	✓
United Overseas Bank	✓	–
Wealth Development Bank	–	–
Yuanta Savings Bank	✓	✓

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(+632) 818 9818

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(+632) 573 8888

Cards Email: pnbcreditcards@pnb.com.ph

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Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300

Trunkline: (+632) 526 3131 to 70; (+632) 891 6040 to 70

Facsimile: (+632) 573 4580

Member: PDIC and BancNet

Maximum Deposit Insurance for each depositor P500,000

Philippine National Bank is regulated by the Bangko Sentral ng Pilipinas (BSP).

BSP Financial Consumer Protection Dept.

Hotline: (+632) 708 7087

Consumer Affairs Email:

consumeraffairs@bsp.gov.ph

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Cards Email: pnbcreditcards@pnb.com.ph

Bank Email: customercare@pnb.com.ph

Follow Us

Download our App

Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300

Trunkline: (+632) 526 3131 to 70; (+632) 891 6040 to 70

Facsimile: (+632) 573 4580

Member: PDIC and BancNet

Maximum Deposit Insurance for each depositor P500,000

Philippine National Bank is regulated by the Bangko Sentral ng Pilipinas (BSP).

BSP Financial Consumer Protection Dept.

Hotline: (+632) 708 7087

Consumer Affairs Email:

consumeraffairs@bsp.gov.ph

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