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General Information

  1. What is PNB Digital Banking?

    PNB Digital Banking is the online banking channel being offered to PNB bank customers. It allows you to do your routine banking transactions like paying bills, transferring funds and inquiring about your account balance securely using your desktop/laptop/tablet computer through PNB Internet Banking or with your mobile device through the PNB Mobile Banking App.

  2. What can PNB Digital Banking do for me?

    With PNB Digital Banking, you can:

    • Monitor your account balances and transactions for your deposit accounts
    • Transfer funds between PNB accounts and to other local banks
    • Pay your bills
    • Order check books
    • View transaction history
    • Open and manage your UITF investments (Currently for Internet Banking Only)
     
  3. Who can enroll in PNB Digital Banking?

    PNB customers with the following type of accounts can enroll in PNB Digital Banking:

    • ATM/Debit Mastercard Savings Accounts
    • Passbook Savings Accounts
    • Checking Accounts
    • Pensioner accounts (SSS/GSIS)
    • Joint/OR Accounts
    • PNB Credit Card (Primary Cardholders)

    *Corporate and Joint/AND accounts are not eligible to register.

Registration

  1. Where can I register for a PNB Digital Banking user account?

    You can register for a PNB Digital Banking user account either through PNB Internet Banking or the PNB Mobile App.

    • For PNB Internet Banking, go to the PNB Website (www.pnb.com.ph) and click on the online banking login link in the main menu. Under Personal Account, click "Enroll Here".
    • For the PNB Mobile Banking App, you may download the app in the App Store or Google Play depending on your device. Once downloaded, open the app and tap Sign Up.
  2. What are the steps in registering?
    1. Register using your Peso ATM/Debit Mastercard
      1. Click/Tap SIGN-UP in the login page then select SIGN-UP USING ATM CARD.
      2. Select Account Type then input your Card Number and PIN.
      3. Create your User ID and Password. Ensure that your mobile number and email address are entered correctly.
      4. Input the 6-digit One-Time-PIN (OTP)sent to your registered mobile number.
      5. The first time you login, you shall be asked to enter the Online Activation Code (OAC). The OAC is sent to your registered email address.
    2. Register through your PNB Branch of Account
      1. Visit your branch and accomplish the Digital Banking Enrollment Form (DBEF).
      2. Once the branch processes your enrollment, anSMS PIN shall be sent you registered mobile number. This SMS PIN shall be used to complete your registration.
      3. Click/Tap SIGN-UP in the login page then select SIGN-UP USING AN SMS PIN (BRANCH ENROLLMENT).
      4. Enter the account number, the SMS PIN you received and your mobile number starting with the country code. (Ex. 63917XXXXXXX)
      5. Create your User ID and Password. Ensure that your mobile number and email address are entered correctly.
      6. The first time you login, you shall be asked to enter the Online Activation Code (OAC). The OAC is sent to your registered email address.
  3. What if I did not receive an Online Activation Code?

    You can register again using the same credentials you have previously used. The username you entered the first time can no longer be altered. The Online Activation Code shall be resent to your registered email address.

  4. Do I have to register a separate account for PNB Internet Banking and the PNB Mobile Banking app?

    There is no need to register separately. Only one username and password is needed for you to access your accounts to either PNB Internet Banking or the PNB Mobile Banking App.

  5. Can I change my username and password?

    You are only allowed to change your password. To change your password, go to "Settings → Change Password."

Getting Started

  1. How do I add my other deposit accounts?
    • In the MY ACCOUNTS Page, go to ACCOUNT SERVICES (Internet Banking) or click the three-dotted OPTIONS button at the upper right corner (Mobile App)
    • Click ADD ACCOUNTS
    • Enter One-Time-PIN (OTP)
    • Choose desired account to be enrolled and wait for confirmation
  2. I cannot see my desired account in the ADD AN ACCOUNT page.

    The following are the possible reasons:

    • Your desired account is not qualified for linking, i.e. Joint/And Accounts and Corporate Accounts
    • There might be a system issue with your desired account. Contact your maintaining branch for assistance
  3. How do I enroll my PNB Credit Card in PNB Digital Banking?
    • In the MY ACCOUNTS Page, go to ACCOUNT SERVICES (Internet Banking) or click the three-dotted OPTIONS button at the upper right corner (Mobile App)
    • Click ENROLL CREDIT CARD
    • Input Credit Card details
    • Enter One-Time-PIN (OTP) and wait for confirmation

Account Inquiries

  1. How can I inquire about my account balance?

    Your account balances shall be instantly displayed after you have successfully logged in. You can view a detailed balance inquiry by choosing a specific account.

  2. How can I inquire about past transactions of my deposit account(s)?

    Clicking on an account in the MY ACCOUNTS page. Scroll down to view up to two (2) months of past transactions.

  3. What credit card account information will I be able to view?

    You will be able to view your card’s available limit, outstanding balance, payment details as well as your statement and unbilled transactions.

Transfer of Funds between PNB Accounts

  1. How Do I Transfer Funds?
    • Click/TAP TRANSFER FUNDS on the Menu bar

    • Choose source account for transfer

    • Choose destination account

    • Enter details and amount

    • Confirm and enter One-Time-PIN (OTP) sent to your registered mobile number.

  2. Is there a limit on the amount that I can transfer?

    There is no limit on the amount you may transfer as long as your available balance is sufficient.

  3. Do I need to enroll the third party PNB accounts I wish to transfer funds to?

    You are not required to enroll a third party PNB account when transferring funds. However, you are encouraged to save the account details so you don’t have to key in the account number the next time you execute a fund transfer. Note that an One-Time-PIN (OTP) is required to make a transfer to a third party account.

  4. Can I transfer from a peso account to a foreign currency account and vice-versa?

    At present, PNB only allows fund transfer transactions between two accounts of the same currency.

  5. How fast can funds be transferred?

    The recipient shall be able to receive the funds immediately after the successful transaction of fund transfer.

Transfer of Funds to Other Local Banks (PESONet)

Currently available only on the PNB Mobile Banking App
  1. What is PESONet?

    PESONet is an electronic fund transfer service (via batch processing) that allows depositors to perform non-time sensitive fund transfers to any participating bank (“interbank”) within the Philippines. It is available to retail customers with Peso-denominated savings and current accounts who are enrolled in the PNB Mobile Banking App.

    PESONet provides a secure, faster and more convenient way to send funds or to settle payments in lieu of cash or checks.

  2. How do I perform a PESONet transaction using the PNB Mobile Banking App?
    • From the main menu, select Transfer Funds> Other Local Banks – PESONet

    • Choose your Peso Source Account and provide payment details

    • Review and confirm your transaction via a One-Time-PIN (OTP)

  3. Is there a cut-off for PESONet Transactions?

    PESONet is available during banking days, subject to a prescribed cut-off of 2PM for same day transmittal to the receiving bank.

    Transactions received after cut-off, on holidays or weekends will be processed for transmission to the receiving bank on the next banking day.

  4. How much can I transact for PESONet via the PNB Mobile Banking App?

    You may transfer up to P100,000 per transaction. You can make multiple transactions up to the daily transfer limit of Php600,000 per account.

  5. Are there any applicable fees for using PESONet via the PNB Mobile Banking App?

    A nominal fee of P30 will be charged per transaction. The fee shall be automatically debited from your nominated source account after successful One-Time-PIN (OTP) confirmation.

  6. Can I request cancellation of a PESONet transaction?

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

  7. How soon are funds credited to the receiving bank?

    Within 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 if funds have already been credited to their account.

    If PNB is the receiving bank, funds shall be credited from 4PM to 11PM of the same day.

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

    The Fund Transfer service is free.

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

    • Name of the beneficiary account does not match the name of the beneficiary submitted thru the PNB Mobile Banking App

    • The currency of the beneficiary account is not a qualified PHP account

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

  9. How will the funds be returned to me if the PESONet transaction was not credited by the receiving bank?

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

    Please note, however, that effective 19 October 2018, a P100 Return Item Service Fee will be deducted from the returned funds and paid to the receiving bank. This applies if the credit to the payee account was unsuccessful due to invalid payee account number, closed payee account, or invalid currency of the payee account provided. This is pursuant to PESONet Guidelines per PCHC Memo Circular No. 3477.

  10. How soon are funds credited to the receiving bank?

    As long as a valid 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.

    If account details provided are not valid (eg. invalid account number, closed account, etc.), the Receiving Bank will not be able to process your transaction, and will inform us of the status on the next banking day after your PESONet transaction.

    We will credit back the funds to your account, net of service fee, as soon as the funds are returned to us by the receiving bank.

  • Who are the participating receiving banks?

    To date, the following banks are participating recipient banks for PESONet.

    Asia United Bank (AUB) Land Bank of the Philippines (LBP)
    Australia & New Zealand Bank (ANZ) MaybankPhils.,Inc. (MAYB)
    Banco De Oro Unibank, Inc. (BDO) Mega Intl Comml Bank Co. Ltd (MICB)
    Bangkok Bank Public Co., Ltd. (BBPC) Metropolitan Bank and Trust Co (MBTC)
    Bank of America, Nat'l. Ass'n. (BA) Mizuho Bank, Ltd. (Mizuho)
    Bank of China (BC) Phil. Bank of Communications (PBCom)
    Bank of Commerce (BCOM) Philippine Savings Bank (PSB)
    Bank of the Philippine Islands (BPI) Philippine Trust Company (PTC)
    Bank of Tokyo-Mits., Limited (TOKYO) Philippine Veterans Bank (PVB)
    China Bank Savings (CBS) Rizal Commercial Banking Corp. (RCBC)
    China Banking Corporation (CBC) Robinsons Bank Corporation (RBC)
    Citibank, N. A. (CITI) Security Bank Corporation (SBC)
    CTBC Bank (Philippines) Corp. (CCBC) Shinhan Bank (SHB)
    Deutsche Bank (DB) Sterling Bank of Asia (SBA)
    Devt. Bank of the Philippines (DBP) Sumitomo Mitsui Banking Corp (SMBC)
    East-West Banking Corporation (EWBC) The Standard Chartered Bank (SCB)
    Equicom Savings Bank (ESB) Union Bank of the Philippines (UBP)
    First Consolidated Bank (FCB) United Coconut Planters Bank (UCPB)
    HK and Shanghai Banking Corp. (HSBC) United Overseas Bank Phils. (UOB)
    JPMorgan Chase Bank (CHASE) Yuanta Savings Bank (YSB)
    KEB Hana Bank (KHB)


Transfer of Funds to Other Local Banks (InstaPay)

Currently available only on the PNB Mobile Banking App
  1. What is InstaPay?

    InstaPay is a feature in the PNB Mobile Banking App which allows 24/7 transfer of funds to participating local banks and e-money issuers. The beneficiary account shall instantly receive the funds once the transaction is completed. InstaPay is available to all mobile banking users with registered PNB peso savings or checking accounts.

  2. How do I perform an InstaPay transaction using the PNB Mobile Banking App?
    1. Select Transfer Funds on the main menu

    2. Choose Instapay

    3. Select Source Account to debit

    4. Choose either from Saved Payees or add a New Payee

    5. Enter the amount and confirm transaction details

    6. Input the One-Time-PIN(OTP) sent via SMS to complete transaction

    You will receive an SMS and Email notification for every completed transaction.

  3. Is there a cut-off for InstaPay Transactions?

    There is no cut-off when doing InstaPay transactions. You can transfer funds 24/7 with real-time credit to beneficiary account.

  4. How much can I transact using InstaPay?

    InstaPay has a maximum transfer limit of Php50,000 per transaction. You can make multiple transactions up to the daily transfer limit of Php600,000 per account.

  5. Are there any applicable fees for using InstaPay?

    A fee of Php50 will be charged per transaction. The fee is automatically debited from your nominated source account after successful OTP confirmation.

  6. Can I cancel my InstaPay Transaction?

    Once your account has been debited, the transaction made is final and can no longer be cancelled.

    Please note that the destination account in another bank already received the funds.

  7. Will there be instances of unsuccessful credit to the receiving beneficiary account?

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

    Funds is expected to be credited within the next banking day.

  8. I have transferred money to the wrong beneficiary account. Will I be able to reverse the transaction?

    As long as the beneficiary account number provided is valid, the transaction made is final and can no longer be reversed. If the transaction was successful, the funds will be credited immediately.

    We encourage you to obtain the correct account information to avoid any inconvenience.

  9. Who are the participating receiving banks?

    To date, the following banks are participating receiving institutions for InstaPay.

    • Asia United Bank (AUB)

    • Banco De Oro Unibank, Inc. (BDO)

    • Bank of Commerce (BCOM)

    • China Bank Savings (CBS)

    • China Banking Corporation (CBC)

    • CTBC Bank (Philippines) Corp. (CCBC)

    • Devt. Bank of the Philippines (DBP)

    • East-West Banking Corporation (EWBC)

    • Equicom Savings Bank (ESB)

    • G-Xchange, Inc. (G-Cash)

    • Land Bank of the Philippines (LBP)

    • Malayan Bank Savings & Mortgage Bank, Inc. (MSB)

    • Maybank Phils., Inc. (MAYB)

    • Metropolitan Bank and Trust Co. (MBTC)

    • Omnipay (OPI)

    • Partner Rural Bank (Cotabato), Inc. (PAR)

    • PayMaya Philippines, Inc. (SMI)

    • Phil. Bank of Communications (PBCom)

    • Philippine Savings Bank (PSB)

    • Philippine Trust Company (PTC)

    • PNB Savings Bank (PNBSB)

    • RCBC Savings Bank, Inc. (RSB)

    • Rizal Commercial Banking Corp. (RCBC)

    • Robinsons Bank Corporation (RBC)

    • Security Bank Corporation (SBC)

    • Sterling Bank of Asia (SBA)

    • Sun Savings Bank (SSB)

    • Union Bank of the Phlippines (UBP)

    • United Coconut Planters Bank (UCPB)

    • Yuanta Savings Bank (YSB)



Paying Bills

  1. How Do I Pay Bills?
    • Click PAY BILLS on the Menu bar

    • Choose source account for payment

    • Choose biller to pay

    • Enter amount and reference number

    • Confirm and enter One-Time-PIN (OTP) sent to your registered mobile number

  2. Is there a limit on the bill amount that I can settle?

    There is no limit on the bill amount as long as your available balance is sufficient.

  3. Shall I get a confirmation receipt that my bills payment transaction is successful?

    Yes. You shall be sent an email confirmation for every successful bills payment.

  4. Can I save a biller and my subscriber number so that I don't have to input the details again the next time I pay my bills?

    Yes. Upon doing a Bills Payment transaction with a new biller, you shall be asked whether to save the new Biller's details (Biller Name, Subscriber Number and Alias) or not. You are encouraged to save the Biller's details for your convenience so you don’t have to key in the same details every time you pay your bills.

  5. Can I change or cancel a bill payment?

    Payments cannot be cancelled or changed if the transaction has been successfully processed.

  6. How soon shall my payment get posted?

    Posting of payment shall depend biller's cut-off time.

  7. Is there a fee for Bills Payment service?

    There is no fee for Bills Payment service.

  8. How do I report a Bill Payment problem?

    You can report transactional problems/errors by contacting PNB through Customer Care (632) 573-8888 / customercare@pnb.com.ph)

Order Checkbook

  1. How Do I Order a Checkbook?
    • Select the checking account in the MY ACCOUNTS page
    • In the ACCOUNT DETAILS page, click on the SERVICES button (Internet Banking) or the three-dotted OPTIONS button (mobile app) located at the upper right corner of the page.
    • Select ORDER CHECKBOOK
    • In the order page, input the quantity of checkbooks
    • Click Order to process

  2. How long shall it take for me to receive my checkbook after ordering?

    You claim the checkbook from your branch of account after 18 banking days.

PNB Mobile Banking App

  1. How can I download PNB Mobile Banking App?

    You can download the PNB Mobile Banking App for free at the App Store®or Google Play™. You can find the app by typing in “PNB Mobile Banking App” in the search bar.

  2. What are the system requirements?

    The PNB Mobile Banking App can be downloaded on mobile devices that support the following operating systems:

    • Apple® Devices with iOS 9.0 and above
    • Android™ powered devices (Kitkat up to Nougat)
    • The app shall not work on mobile devices that are jailbroken/rooted

  3. How many mobile devices can I use with the app?

    You can register a maximum of three (3) devices to access your account in PNB Mobile Banking App.

  4. Can I switch to a new device if I already have three (3) registered mobile devices?

    Yes, you can but first delete a registered mobile device by going to “Settings Registered Device Remove.”. Once deleted, you may download and login to the app using your new device.

  5. What should I do if my mobile device gets lost/stolen?

    Visit your branch of account or call the bank’s customer service at (632) 573-8888 and request for removal of the registered device in PNB Mobile Banking App.

  6. How do I activate Touch ID on my PNB Mobile Banking App?
    • Register your fingerprint on your mobile device
    • Log-in to the app
    • Go to SETTINGS and tap TOUCH ID
    • Toggle button to the right
    • Click done and log-in again
  7. If my fingerprint gets rejected, is there another way to log in?

    You can still log in by using your username and password. Enabling the Touch ID shall not interfere with the regular log in method.

  8. What is Quick Balance?

    It is a feature in the PNB Mobile Banking App in which you can be able to instantly view a snapshot of your account balances without even having to login to the app.

  9. Can I be able to view my transaction history in Quick Balance?

    You can only be able to access the current balance of your account. If you wish to view your transaction history or do other financial transactions, you need to login to the app.

  10. How do I activate Quick Balance?

    Log in to the app then go to “Settings Quick Balance”. Select the account(s) you wish to activate.

  11. What are the other features of the PNB Mobile Banking App?

    The following features are available for you without even having to login to the app:

    • Locate Us – Find the nearest PNB branch or ATM in your location. Ensure that your Location settings in your mobile device is activated.
    • Products – Learn more about PNB’s deposit, loan and credit card products
    • Promotions – Find the nearest PNB branch or ATM in your location. Ensure that your Location settings in your mobile device is activated.
    • FX Rates – Get the latest foreign exchange rates
    • Contact Us – Know how to reach us through phone, email or even via Skype.

One-Time-PIN (OTP)

  1. What is a One-Time-PIN (OTP)?

    One-Time-PIN (OTP) is an additional security feature in PNB Digital Banking where a six (6) digit system generated PIN shall be sent to your mobile device. You are required to enter the OTP when performing the following:

    • First time registration
    • Adding of other deposit accounts or credit card
    • Transfer funds to Third Party PNB accountsor to other local banks
    • Bills Payment
    • Password Reset
  2. How often should I enter the OTP for fund transfer or bills payment transactions?

    You shall be asked to enter the OTP once per session only.

  3. What should I do if I did not receive the OTP?

    You can select “Resend OTP” button to regenerate a new OTP. If problem persists, kindly contact PNB Customer Care at (632) 573-8888.

  4. What happens if an OTP is not entered immediately?

    The OTP shall expire if not entered within five (5) minutes. If this happens, you can get a new OTP by clicking the “Resend OTP” button

  5. What happens if I accidentally input a wrong OTP?

    You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, the OTP shall be considered invalid and you shall be prompted to regenerate a new OTP.

  6. How many times can I regenerate the OTP?

    You can only regenerate the OTP two (2) times. If you exceed your allowable attempts, the “Resend OTP” button shall be disabled and you shall be logged out for your security.

  7. What should I do if I changed my mobile number?

    Update your details at your branch of account by filling out the Digital Banking Maintenance Form. The branch will ask for some key information to validate identity before they update your details.

  8. Can I be able to receive the OTP if my registered mobile number is from an international network?

    Yes, you can receive the OTP for as long as your international service provider is supported by PNB.

  9. Is the OTP free of charge?

    Yes, OTP is always free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.

Security

  1. How secure is PNB Digital Banking?

    It is safe and secure to transact online. Aside from entering your username and password when you log-in, PNB Digital Banking has a 2-factor authentication process in which you are required to enter a six (6) digit system generated PIN that is sent to your mobile number when you do funds transfer and bills payment transactions. Kindly make sure that you do not share these details to anyone.Furthermore, your transactions (sessions) are secured with the highest level of encryption (128-bit SSL) to ensure confidentiality. 128-bit is the most widely used security layer in the internet today.

  2. Can anybody else access my accounts online?

    No, unless you give out your username and password. By law, the username and password allows us to identify you as the valid owner of the account. We advise you to refrain from sharing your username and password or writing it down where people could easily see it. For additional security, we recommend that you regularly change your password. You should also make sure that your password is hard to guess.

    Here are some helpful tips in assigning an effective password:

    • The password should be alphanumeric (combination of alphabets and numbers). Combine upper and lower case characters with numbers and special characters, e.g. “hWkBu9!5@74”.
    • Use keywords that are known only to you, e.g. a favorite book, author, event, etc.; e.g. Harry Potter and the Chamber of Secrets is translated to “hpatcos.” Just add a number or date to complete the code.
    • Avoid using conventional passwords such as names and birthdays.
  3. What shall I do if I forgot my password?

    You can click on the “Forgot Password” option in the login page. Provide your username and email address. A One-Time-PIN (OTP) shall be sent to your registered phone number. You shall receive a temporary password in your registered email

  4. What shall I do if I forgot my username?

    If you forgot your username, you can call PNB Customer Service at (632) 573-8888 for assistance.

  5. How do I unlock my access?

    If your access was locked due to three (3) consecutive incorrect password entries, you can reset your password by tapping the “Forgot Password” link on the login page.

  6. Is there a session timeout?

    Yes, being idle for 5 minutes shall log you out automatically. If you are using the PNB Mobile Banking App, you can also ensure that your mobile device is set up to passcode lock after a brief period of inactivity for added security.

UITF Online

  1. What is PNB UITF Online?

    The PNB UITF Online is a full-blown UITF investment facility in PNB Internet Banking that is fully automated from enrollment up to redemption. There is no need for you to go to a PNB branch to open a UITF account. If you have a PNB current or savings account, you can invest in any PNB UITF conveniently and securely, anytime, anywhere.

  2. What are the requirements for me to enroll in UITF Online in PNB Internet Banking?

    Only existing PNB customers that are at least 18 years old can enroll in UITF Online. You must also have an active PNB savings or current account where the proceeds of your UITF participation shall be credited upon redemption.

  3. How do I enroll in UITF Online?
    • In the Main Menu, click "UITFs“.
    • Click "Enroll in UITF Online".
    • Read and Agree to the terms and conditions of the PNB UITF Online Service Agreement and Omnibus Participating Trust Agreement.
    • Accomplish the UITF Client Suitability Assessment (CSA) Form and click Submit.
    • After submission, you shall be shown your investor profile and the recommended UITF products based on the overall assessment of your response to the questions in the CSA.
    • Read and Agree to the terms and conditions of the General Risk Disclosure Statement.
    • Nominate your settlement account. You must nominate a peso settlement account if you intend to invest in a peso-denominated UITF or a dollar settlement account if you want to invest in a dollar-denominated UITF.
    • Survey Page (optional)
    • You shall be prompted that your UITF Online enrollment has been completed.
  4. If I have an existing UITF participation that was proceesed in the branch, can I enroll it in UITF Online?

    Yes. Once your UITF Online enrollment has been completed, you shall be asked if you wish to enroll your existing UITF participation in the UITF Online.

    If you click YES, you are required to input and submit the following details found in your Confirmation of Participation (COP) issued by your maintaining branch:

    • COP Number
    • Account Name
    • Fund Name
    • Date of Participation
    • Principal
    • Branch Name
    • NAVPU on Date of Participation
    • Number of Units

    You can also enroll your existing UITF placement at some later time by clicking on “Enroll Existing UITF Placements” in the submenu.

    Note: Your old COP shall be invalidated and shall be replaced by an electronic COP. All enrolled UITF Online accounts can only be redeemed online. You can no longer go to the branch and redeem the said participation.

  5. How shall I know if the enrollment of my existing UITF placement is successful?

    PNB Trust Banking Group shall process your request within the 24-hour commitment period (exclusive of regular, special non-working and other holidays and weekends). Once approved, your enrolled existing UITF placement shall appear in your account portfolio in PNB Internet Banking.

  6. How do I make a direct investment to a UITF product in PNB Internet Banking?

    Once you have been enrolled to UITF Online, you can already start investing.

    • In the UITF Menu, select “Make an Investment”
    • Select the UITF product you wish to invest
    • Agree to the Specific Risk Disclosure Statement
    • Select your Source Account and enter the amount you wish to participate (Principal). Must be at least the minimum investment amount of the fund. Click Continue.
    • Click Continue once you have confirmed your investment details.
    • You shall be prompted that your UITF investment transaction is complete. You shall receive an email once your Confirmation of Participation (COP) containing details of your placement becomes available.
  7. What if I am already enrolled but I currently do not have enough funds to make a direct investment?

    You can still participate through the Auto Investment Plan (AIP). A Trust Savings Account (TSA) is automatically created by the system upon AIP subscription. Your funds shall temporarily be lodged in the TSA which shall automatically be swept/debited for automatic investment to a UITF of choice once it reaches the required threshold amount. AIP is available to selected UITF products.

    Any outstanding balance in the TSA shall be swept to the chosen UITF.

  8. Can I be able to redeem my UITF Participation in PNB Internet Banking?

    Yes. All UITF Participations enrolled in PNB Internet Banking can be redeemed online. Redemptions can either be in terms of amount or in terms of units. Note that redemption requests received within the cut-off time of 11:00AM shall be considered as transaction for the day.

  9. When will the redemption proceeds be credited to my account?

    Settlement of redemption proceeds to your account will be made after 1 working day for all Money Market and Bond Fund investments and after 3 working days for all Balanced, Equity, High Dividend and Index Reference Fund investments.