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PNB Digital Send Money

Transfer funds to any PNB account and to other local bank accounts or e-wallets in just a few taps anytime you want.

Why Send Money with PNB Digital?

pnb-mobile-banking-fund-transfer
  • Safe and convenient way to send funds or to settle payments in lieu of cash or check
  • Schedule your transfers for a future date or set it to repeat according to your preferred frequency
  • Transfer money via QR code
  • No need to wait for an SMS One-Time PIN (OTP) with the PNB Digital Key

To any PNB Account

  • Real-time credit to payee account
  • For transfers to other PNB accounts, a fee of P10 is charged on the 4th and succeeding transfer in a week
pnb-mobile-banking-fund-transfer-instapay

To other local banks and eWallets

pnb-instapay

pnb-mobile-banking-fund-transfer-instapay
  • Send money in real-time even on weekends and holidays
  • Transfer up to P50,000 per transaction, P200,000 per day
  • A fee of P20 is charged per transaction
  • For more details, click here.

pnb-pesonet

  • Recommended for non-urgent transfers
  • Funds are received by your beneficiary within the same banking day depending on the time the transfer was made
  • You can transfer up to P100,000 per transaction, P200,000 per day
  • A fee of P20 is charged per transaction
  • For more details, click here.
pnb-mobile-banking-fund-transfer-pesonet

Send Money via QR Code

  • Scan your payee’s QR code or upload an existing code saved on your mobile device
  • No need to memorize or enter your payee account details
  • Ensure that you are sending to the correct account number
  • Available for PNB to PNB transfers and QR codes from other banks, online and in-store shops with a
    QR Ph logo
  • pnb-instapay
  • How to generate a QR Code for your PNB accounts, click here.
INSTITUTION PESONet InstaPay
Al-Amanah Islamic Investment Bank (AAIIB)
ALLBANK, INC. (A Thrift Bank)
Asenso (Rural Bank of Guinobatan, Inc.)
Asia United Bank (AUB)
Australia & New Zealand Bank (ANZ)
Bangko Kabayan, Inc. (A Private Development Bank)
Bangko Mabuhay (A Rural Bank), Inc.
Bangko Nuestra Senora del Pilar, Inc. (A Rural Bank)
Bangkok Bank Public Co., Ltd. (BBPC)
Bank of America, Nat’l. Ass’n. (BA)
Bank of China (BC)
Bank of Commerce (BCOM)
Bank of Florida (A Rural Bank)
Bank of Makati
Bank of the Philippine Islands (BPI)
Banko, A subsidiary of BPI (BGB)
Bayad Center Inc.
BDO Network Bank (A Rural Bank of BDO)
BDO Unibank, Inc. (BDO)
Biñan Rural Bank
Binangonan Rural Bank (BRB Digital)
Camalig Bank, Inc. (A Rural Bank)
Cantilan Bank Inc. (A Rural Bank)
Card Bank, Inc
Cathay United Bank Co., Ltd.
Cebuana Lhuillier Bank / Cebuana Xpress
China Bank Savings (CBS)
China Banking Corporation (CBC)
CIMB Bank Phils., Inc. (CIMB)
Citibank, N. A. (CITI)
Cooperative Bank of Quezon Province (CBQP)
Country Builders Bank, Inc. (A Rural Bank)
CTBC Bank (Philippines) Corp. (CCBC)
DCPAY Philippines (COINS.PH)
Deutsche Bank (DB)
Devt. Bank of the Philippines (DBP)
Dumaguete Bank (DCB)
Dungganon Bank (DBI)
East-West Banking Corporation (EWBC)
East West Rural Bank, Inc – KOMO
Equicom Savings Bank (ESB)
First Consolidated Bank (FCB)
GCash (G-Xchange, Inc.)
GoTymeBank Corporation Inc.)
GrabPay (GBY)
Guagua Rural Bank, Inc. (GRBank)
HSBC Savings Bank, Inc. (HSBC SB)
Industrial and Commercial Bank of China (ICBC)
Industrial Bank of Korea (IBK)
ING Bank N. V. (IBNV)
Innovative Bank Inc.
Isla Bank, Inc. (IBI)
JPMorgan Chase Bank (CHASE)
JuanCash (Zybi Tech, Inc.)
KEB Hana Bank (KHB)
Laguna Prestige Banking Corporation
Land Bank of the Philippines (LBP)
Lazada Wallet
Legazpi Savings Bank
Lulu Money
Malarayat Rural Bank, Inc.
Malayan Bank Savings and Mortgage Bank, Inc. (MSB)
Maya Bank, Inc.
Maybank Phils.,Inc. (MAYB)
Mega Intl Comml Bank Co. Ltd (MICB)
Metropolitan Bank and Trust Co (MBTC)
Mindanao Consolidated CoopBank (MCB)
Mizuho Bank, Ltd. (Mizuho)
Money Mall Rural Bank, Inc.
MUFG Bank Ltd. (Bank of Tokyo-Mits., Limited)
MVSM Bank (A Rural Bank Since 1953), Inc.
Netbank (Community Bank of Romblon)
New Rural Bank of San Leonardo (Nueva Ecija) Inc.
Omnipay (OPI)
Palawan Pay
Partner Rural Bank (Cotabato), Inc. (PAR)
PayMaya Philippines, Inc. (PPI)
Phil. Bank of Communications (PBCom)
Philippine Business Bank (PBB)
Philippine Savings Bank (PSB)
Philippine Trust Company (PTC)
Philippine Veterans Bank (PVB)
Producers Savings Bank Corporation (PSBC)
Queen City Development Bank (Queen Bank)
Quezon Capital Rural Bank (QCRB)
Rang-Ay Bank, Inc. (A Rural Bank)
RBT Bank, Inc (A Rural BanK)
Rizal Commercial Banking Corporation/DiskarTech
Robinsons Bank Corporation (RBC)
Rural Bank of Bacolod City, Inc.
Rural Bank of Bauang, Inc (RBBI)
Rural Bank of Digos, Inc. (RBDI)
Rural Bank of La Paz, Inc.
Rural Bank of Lebak, Inc.
Rural Bank of Montalban, Inc.
Rural Bank of Porac (Pampanga) Inc.
Rural Bank of Rosario, Inc. (L.U.)
Rural Bank of Sagay Inc.
Rural Bank of Sta. Ignacia, Inc.
SeaBank Philippines, Inc.
Security Bank Corporation (SBC)
Shinhan Bank (SHB)
ShopeePay Philippines, Inc.
Standard Chartered Bank (SCB)
Starpay (SPY)
Sterling Bank of Asia (SBA)
Sumitomo Mitsui Banking Corp (SMBC)
Sun Savings Bank (SSB)
TayoCash Inc.
The Hongkong and Shanghai Banking Corp. (HSBC)
Tonik Digital Bank, Inc.
UCPB Savings Bank (USB)
Union Bank of the Philippines (UBP)
Union Digital Bank
United Overseas Bank Phils. (UOB)
UNObank Inc.
USSC Money Services, Inc
Wealth Development Bank Corp. (WealthBank )
Yuanta Savings Bank (YSB)
How to send money via InstaPay
Download
the App now!

Choose the funds transfer service that is right for you!

  pnb-instapay pnb-pesonet
What’s the maximum amount that I can send? Php50,000 per transaction
Php200,000 daily
Php100,000 per transaction
Php200,000 daily
How much is the transaction fee? Php20 Php20
When should I use this service? If you need to send money right away to your beneficiary. If your beneficiary is not in a hurry and you need to send larger amounts
How soon will my beneficiary receive the funds? Funds are expected to be credited immediately to the target account even on weekends and holidays. Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
Time of Transaction Crediting of funds to beneficiary account
Before 8AM on banking days Same banking day after 10:30AM
Between 8AM to 2PM on banking days Same banking day after 4:30 PM
After 2PM or on weekends and holidays Next banking day after 10:30AM
Please note that crediting to beneficiary account is subject to the processing time of the receiving financial institution.
You will be notified via SMS and/or email on the status of your transfer as soon as the status provided by your receiving financial institution is available.
How reliable is this service? As long as the account number is considered valid by the receiving financial institution, the transaction will be processed. Make sure that you get the correct account details from your beneficiary. If funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution. Funds will be credited to your beneficiary with complete and correct beneficiary account number and/or account name. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. Instances wherein final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
  • Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
  • There is a mismatch with the beneficiary account name submitted compared to the records of the receiving financial institution
  • The currency of the payee account is not a qualified PHP account.
  • The receiving financial institution is offline and cannot process crediting to the payee account
When will the funds be returned to me if the transaction was unsuccessful? Allow up to 2 banking days for either the funds be credited to your beneficiary or returned to your PNB account. The transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution. This depends on when your transfer request was made:
Time of Transaction Crediting of funds back to the PNB source account
Before 8AM on banking days Same banking day between 5PM to 6PM
Between 8AM to 2PM on banking days Next banking day between 11AM to 12PM
After 2PM or on weekends and holidays Next banking day between 5PM to 6PM

How to Send Money with PNB Digital?

I will be sending money:
1. Click the Transfer button.
2. Choose your preferred source account.
3. Choose “Others PNB” as the destination.
4. Enter your receiver’s bank account details and the amount you want to send.
You have the option to schedule your transfers for a future date or set it to repeat daily, weekly, monthly, quarterly or annually.
5. Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number
Note: If you enabled the PNB Digital Key, you will no longer be required to enter an OTP. Simply tap “Approve” in the notification screen.
6. View confirmation page containing details of your transaction.
  • Tap “Share” if you want to send a screenshot of the confirmation screen to your recipient
  • Tap “Save Payee” so you no longer have to enter the same account details for succeeding transfers
  • Note: A successful transaction notification shall also be sent to your registered email and mobile number.
    pnb-mobile-banking-fund-transfer-pnb-to-pnb

    Ready to send money?

    Download the app now!

    Frequently Asked Questions

    1. What account/s can I use to transfer funds?
      • You can use your debit, passbook, or checking account for as long as they are enrolled in PNB Digital Banking.
      • Some deposit accounts may not be eligible as source of funds transfer transactions. Please reach out to your branch of account for more information on this.
    1. How much is the transfer fee per transaction?
      • Transfer fee for both InstaPay and PESONet is Php20.
    2. How much is the limit per transfer?
      • PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
    3. How much is the limit of transfers per day?
      • Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
    1. Until what time can I transfer the funds?
      • You can transfer money anytime. However, crediting may vary depending on the service.
      • InstaPay has no cut-off time and funds are expected to be credited real-time.
      • For PESONet, crediting happens during banking days. All transfer requests must be made before 2PM during banking days in order for funds to be credited to the recipient’s account on the same banking day.
    1. What are the types of transfers that can be scheduled?
      • You can set a one-time or a recurring scheduled fund transfers to your own PNB accounts, other PNB accounts and other bank accounts via InstaPay.
    2. What are the available frequencies for recurring transfers?
      • You can set your scheduled transfers to be processed daily, weekly, monthly, quarterly and yearly.
    3. Who are eligible to use this feature?
      • You can avail this feature if you have an active eligible CASA as source account.
        It is important that the account status must be active and sufficiently funded to cover the amount and applicable fees at the time of the scheduled transaction processing.
    4. How can I monitor my pending scheduled transactions?
      • To check the status of your scheduled requests, access the app, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. All pending transactions will be displayed.
    5. Can I still cancel my scheduled transfer? How?
      • You can still cancel your request before the set scheduled date. To cancel your request, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. To cancel, either swipe left on the transaction card or tap the specific transaction, then tap the Delete icon.
    6. How will I know if my pending scheduled transactions were processed?
      • We advise you to regularly monitor your scheduled transactions. You will receive an email notification and SMS to your registered email address and mobile number once the transaction has been processed. In case of unsuccessful transactions, we advise to transact immediately to avoid any penalty.
    1. How soon are funds credited to the receiving bank or eWallet?
      • For PESONet transactions, your beneficiary will receive the funds depending on when the transfer request was made:
        • If request was made before 8:00AM on banking days, your beneficiary will receive the funds after 10:30AM.
        • If request was made between 8:00AM to 2:00PM on banking days, your beneficiary will receive the funds after 4:30 PM
        • For requests made after 2:00PM, or on weekends and holidays, your beneficiary will receive the funds after 10:30AM of the next banking day.
        Credit to the beneficiary account is dependent on the processing of the receiving bank. Please inform your beneficiary to coordinate with their bank of account if funds have already been credited to their account.
        You will be notified via SMS and/or email on the status of your transfer as soon as the status provided by your receiving financial institution is available.
      • For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
    1. What is an Account QR Code?
      • An Account QR Code is a matrix bar code generated by PNB Digital for you to be able to share your Philippine Peso-denominated account details safely.
    2. What can I use the QR code for?
      • You may use your QR code to request money from a payee by sharing your account QR code.
      • You can send money to another bank account or pay your favorite online and in-store shops by scanning or uploading QR Ph codes
    3. What are the benefits of having a QR code?
      • Generating a QR code for your accounts will enable you to request money from anyone without having to give your account number making payments fast and secure. It also ensures that the payee will send money to the correct account.
    4. Which instutions can I send money via QR code?
      • You can scan or upload a QR Code generated from PNB or from other banks with a
        QR Ph logo.
        pnb-instapay
    5. How to do I generate a QR Code for my PNB accounts?
    6. To learn how to generate a QR Ph code for your PHP accounts, view our guide.
    1. Can I reverse my fund transfer transaction?
      • Once the transaction has been successful and debited from your account, the transaction you wish to cancel cannot be reverted.
    2. Will there be instances for unsuccessful credit to the receiving bank or eWallet?
      • For PESONet transactions, the final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
        • Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
        • There is a mismatch with the the beneficiary account name submitted compared to the records of the receiving financial institution
        • 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.
      • For InstaPay transactions, if funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution.
    3. How will the funds be returned to me if the interbank funds transfer transaction was not credited to the receiving bank?
      • For PESONet transactions, the fund transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution.
      • For InstaPay transactions, allow up to 2 banking days for either the funds be credited to your beneficiary or returned to your PNB account.
    4. I have transferred money to the wrong account. How do I attempt to recover the funds?
      • 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.
    5. What should I do if my funds transfer transaction is unsuccessful?
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    PNB Digital Send Money

    Transfer funds to any PNB account and to other local bank accounts or e-wallets in just a few taps anytime you want.

    Why Send Money with PNB Digital?

    • Safe and convenient way to send funds or to settle payments in lieu of cash or check
    • Schedule your transfers for a future date or set it to repeat according to your preferred frequency
    • Transfer money via QR code
    • No need to wait for an SMS One-Time PIN (OTP) with the PNB Digital Key

    To any PNB Account

    • Real-time credit to payee account
    • For transfers to other PNB accounts, a fee of P10 is charged on the 4th and succeeding transfer in a week

    To other local banks and eWallets pnb-instapay

    • Send money in real-time even on weekends and holidays
    • Transfer up to P50,000 per transaction, P200,000 per day
    • A fee of P20 is charged per transaction
    • For more details, click here.

    pnb-pesonet

    • Recommended for non-urgent transfers
    • Funds are received by your beneficiary within the same banking day depending on the time the transfer was made
    • You can transfer up to P100,000 per transaction, P200,000 per day
    • A fee of P20 is charged per transaction
    • For more details, click here.

    Send Money via QR Code

    • Scan your payee’s QR code or upload an existing code saved on your mobile device
    • No need to memorize or enter your payee account details
    • Ensure that you are sending to the correct account number
    • Available for PNB to PNB transfers and QR codes from other banks, online and in-store shops with a
      QR Ph logo
    • pnb-instapay
    • How to generate a QR Code for your PNB accounts, click here.
    INSTITUTION PESONet InstaPay
    Al-Amanah Islamic Investment Bank (AAIIB)
    ALLBANK, INC. (A Thrift Bank)
    Asenso (Rural Bank of Guinobatan, Inc.)
    Asia United Bank (AUB)
    Australia & New Zealand Bank (ANZ)
    Bangko Kabayan, Inc. (A Private Development Bank)
    Bangko Mabuhay (A Rural Bank), Inc.
    Bangko Nuestra Senora del Pilar, Inc. (A Rural Bank)
    Bangkok Bank Public Co., Ltd. (BBPC)
    Bank of America, Nat’l. Ass’n. (BA)
    Bank of China (BC)
    Bank of Commerce (BCOM)
    Bank of Florida (A Rural Bank)
    Bank of Makati
    Bank of the Philippine Islands (BPI)
    Banko, A subsidiary of BPI (BGB)
    Bayad Center Inc.
    BDO Network Bank (A Rural Bank of BDO)
    BDO Unibank, Inc. (BDO)
    Biñan Rural Bank
    Binangonan Rural Bank (BRB Digital)
    Camalig Bank, Inc. (A Rural Bank)
    Cantilan Bank Inc. (A Rural Bank)
    Card Bank, Inc
    Cathay United Bank Co., Ltd.
    Cebuana Lhuillier Bank / Cebuana Xpress
    China Bank Savings (CBS)
    China Banking Corporation (CBC)
    CIMB Bank Phils., Inc. (CIMB)
    Citibank, N. A. (CITI)
    Cooperative Bank of Quezon Province (CBQP)
    Country Builders Bank, Inc. (A Rural Bank)
    CTBC Bank (Philippines) Corp. (CCBC)
    DCPAY Philippines (COINS.PH)
    Deutsche Bank (DB)
    Devt. Bank of the Philippines (DBP)
    Dumaguete Bank (DCB)
    Dungganon Bank (DBI)
    East-West Banking Corporation (EWBC)
    East West Rural Bank, Inc – KOMO
    Equicom Savings Bank (ESB)
    First Consolidated Bank (FCB)
    GCash (G-Xchange, Inc.)
    GoTymeBank Corporation Inc.)
    GrabPay (GBY)
    Guagua Rural Bank, Inc. (GRBank)
    HSBC Savings Bank, Inc. (HSBC SB)
    Industrial and Commercial Bank of China (ICBC)
    Industrial Bank of Korea (IBK)
    ING Bank N. V. (IBNV)
    Innovative Bank Inc.
    Isla Bank, Inc. (IBI)
    JPMorgan Chase Bank (CHASE)
    JuanCash (Zybi Tech, Inc.)
    KEB Hana Bank (KHB)
    Laguna Prestige Banking Corporation
    Land Bank of the Philippines (LBP)
    Lazada Wallet
    Legazpi Savings Bank
    Lulu Money
    Malarayat Rural Bank, Inc.
    Malayan Bank Savings and Mortgage Bank, Inc. (MSB)
    Maya Bank, Inc.
    Maybank Phils.,Inc. (MAYB)
    Mega Intl Comml Bank Co. Ltd (MICB)
    Metropolitan Bank and Trust Co (MBTC)
    Mindanao Consolidated CoopBank (MCB)
    Mizuho Bank, Ltd. (Mizuho)
    Money Mall Rural Bank, Inc.
    MUFG Bank Ltd. (Bank of Tokyo-Mits., Limited)
    MVSM Bank (A Rural Bank Since 1953), Inc.
    Netbank (Community Bank of Romblon)
    New Rural Bank of San Leonardo (Nueva Ecija) Inc.
    Omnipay (OPI)
    Palawan Pay
    Partner Rural Bank (Cotabato), Inc. (PAR)
    PayMaya Philippines, Inc. (PPI)
    Phil. Bank of Communications (PBCom)
    Philippine Business Bank (PBB)
    Philippine Savings Bank (PSB)
    Philippine Trust Company (PTC)
    Philippine Veterans Bank (PVB)
    Producers Savings Bank Corporation (PSBC)
    Queen City Development Bank (Queen Bank)
    Quezon Capital Rural Bank (QCRB)
    Rang-Ay Bank, Inc. (A Rural Bank)
    RBT Bank, Inc (A Rural BanK)
    Rizal Commercial Banking Corporation/DiskarTech
    Robinsons Bank Corporation (RBC)
    Rural Bank of Bacolod City, Inc.
    Rural Bank of Bauang, Inc (RBBI)
    Rural Bank of Digos, Inc. (RBDI)
    Rural Bank of La Paz, Inc.
    Rural Bank of Lebak, Inc.
    Rural Bank of Montalban, Inc.
    Rural Bank of Porac (Pampanga) Inc.
    Rural Bank of Rosario, Inc. (L.U.)
    Rural Bank of Sagay Inc.
    Rural Bank of Sta. Ignacia, Inc.
    SeaBank Philippines, Inc.
    Security Bank Corporation (SBC)
    Shinhan Bank (SHB)
    ShopeePay Philippines, Inc.
    Standard Chartered Bank (SCB)
    Starpay (SPY)
    Sterling Bank of Asia (SBA)
    Sumitomo Mitsui Banking Corp (SMBC)
    Sun Savings Bank (SSB)
    TayoCash Inc.
    The Hongkong and Shanghai Banking Corp. (HSBC)
    Tonik Digital Bank, Inc.
    UCPB Savings Bank (USB)
    Union Bank of the Philippines (UBP)
    Union Digital Bank
    United Overseas Bank Phils. (UOB)
    UNObank Inc.
    USSC Money Services, Inc
    Wealth Development Bank Corp. (WealthBank )
    Yuanta Savings Bank (YSB)

    Choose the funds transfer service that is right for you!

      pnb-instapay pnb-pesonet
    What’s the maximum amount that I can send? Php50,000 per transaction
    Php200,000 daily
    Php100,000 per transaction
    Php200,000 daily
    How much is the transaction fee? Php20 Php20
    When should I use this service? If you need to send money right away to your beneficiary. If your beneficiary is not in a hurry and you need to send larger amounts
    How soon will my beneficiary receive the funds? Funds are expected to be credited immediately to the target account even on weekends and holidays. Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
    Time of Transaction Crediting of funds to beneficiary account
    Before 8AM on banking days Same banking day after 10:30AM
    Between 8AM to 2PM on banking days Same banking day after 4:30 PM
    After 2PM or on weekends and holidays Next banking day after 10:30AM
    Please note that crediting to beneficiary account is subject to the processing time of the receiving financial institution.
    You will be notified via SMS and/or email on the status of your transfer as soon as the status provided by your receiving financial institution is available.
    How reliable is this service? As long as the account number is considered valid by the receiving financial institution, the transaction will be processed. Make sure that you get the correct account details from your beneficiary. If funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution. Funds will be credited to your beneficiary with complete and correct beneficiary account number and/or account name. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. Instances wherein final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
    • Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
    • There is a mismatch with the beneficiary account name submitted compared to the records of the receiving financial institution
    • The currency of the payee account is not a qualified PHP account.
    • The receiving financial institution is offline and cannot process crediting to the payee account
    When will the funds be returned to me if the transaction was unsuccessful? Allow up to 2 banking days for either the funds be credited to your beneficiary or returned to your PNB account. The transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution. This depends on when your transfer request was made:
    Time of Transaction Crediting of funds back to the PNB source account
    Before 8AM on banking days Same banking day between 5PM to 6PM
    Between 8AM to 2PM on banking days Next banking day between 11AM to 12PM
    After 2PM or on weekends and holidays Next banking day between 5PM to 6PM
    How to send money via InstaPay
    How to send money via PESONet
       
    How to do transfers via QR Code
       
    Download
    the App now!

    How to Send Money with PNB Digital?

    I will be sending money:
    1. Click the Transfer button.
    2. Choose your preferred source account.
    3. Choose “Others PNB” as the destination.
    4. Enter your receiver’s bank account details and the amount you want to send.
    You have the option to schedule your transfers for a future date or set it to repeat daily, weekly, monthly, quarterly or annually.
    5. Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number.
    Note: If you enabled the PNB Digital Key, you will no longer be required to enter an OTP. Simply tap “Approve” in the notification screen.
    6. View confirmation page containing details of your transaction.
  • Tap “Share” if you want to send a screenshot of the confirmation screen to your recipient
  • Tap “Payee” so you no longer have to enter the same account details for succeeding or transfers
  • Note: A successful transaction notification shall also be sent to your registered email and mobile number.

    Ready to send money?

    Download the app now!

    Frequently Asked Questions

    1. What account/s can I use to transfer funds?
      • You can use your debit, passbook, or checking account for as long as they are enrolled in PNB Digital Banking.
      • Some deposit accounts may not be eligible as source of funds transfer transactions. Please reach out to your branch of account for more information on this.
    1. How much is the transfer fee per transaction?
      • Transfer fee for both InstaPay and PESONet is Php20.
    2. How much is the limit per transfer?
      • PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
    3. How much is the limit of transfers per day? 
      • Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
    1. Until what time can I transfer the funds?
      • You can transfer money anytime. However, crediting may vary depending on the service.
      • InstaPay has no cut-off time and funds are expected to be credited real-time.
      • For PESONet, crediting happens during banking days. All transfer requests must be made before 2PM during banking days in order for funds to be credited to the recipient’s account on the same banking day.
    1. What are the types of transfers that can be scheduled?
      • You can set a one-time or a recurring scheduled fund transfers to your own PNB accounts, other PNB accounts and other bank accounts via InstaPay.
    2. What are the available frequencies for recurring transfers?
      • You can set your scheduled transfers to be processed daily, weekly, monthly, quarterly and yearly.
    3. Who are eligible to use this feature?
      • You can avail this feature if you have an active eligible CASA as source account.
        It is important that the account status must be active and sufficiently funded to cover the amount and applicable fees at the time of the scheduled transaction processing.
    4. How can I monitor my pending scheduled transactions?
      • To check the status of your scheduled requests, access the app, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. All pending transactions will be displayed.
    5. Can I still cancel my scheduled transfer? How?
      • You can still cancel your request before the set scheduled date. To cancel your request, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. To cancel, either swipe left on the transaction card or tap the specific transaction, then tap the Delete icon.
    6. How will I know if my pending scheduled transactions were processed?
      • We advise you to regularly monitor your scheduled transactions. You will receive an email notification and SMS to your registered email address and mobile number once the transaction has been processed. In case of unsuccessful transactions, we advise to transact immediately to avoid any penalty.
    1. How soon are funds credited to the receiving bank or eWallet?
      • For PESONet transactions, your beneficiary will receive the funds depending on when the transfer request was made:
        • If request was made before 8:00AM on banking days, your beneficiary will receive the funds after 10:30AM.
        • If request was made between 8:00AM to 2:00PM on banking days, your beneficiary will receive the funds after 4:30 PM
        • For requests made after 2:00PM, or on weekends and holidays, your beneficiary will receive the funds after 10:30AM of the next banking day.
        Credit to the beneficiary account is dependent on the processing of the receiving bank. Please inform your beneficiary to coordinate with their bank of account if funds have already been credited to their account.
        You will be notified via SMS and/or email on the status of your transfer as soon as the status provided by your receiving financial institution is available.
      • For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
    1. What is an Account QR Code?
      • An Account QR Code is a matrix bar code generated by PNB Digital for you to be able to share your Philippine Peso-denominated account details safely.
    2. What can I use the QR code for?
      • You may use your QR code to request money from a payee by sharing your account QR code.
      • You can send money to another bank account or pay your favorite online and in-store shops by scanning or uploading QR Ph codes
    3. What are the benefits of having a QR code?
      • Generating a QR code for your accounts will enable you to request money from anyone without having to give your account number making payments fast and secure. It also ensures that the payee will send money to the correct account.
    4. Which instutions can I send money via QR code?
      • You can scan or upload a QR Code generated from PNB or from other banks with a
        QR Ph logo.
        pnb-instapay
    5. How to do I generate a QR Code for my PNB accounts?
    6. To learn how to generate a QR Ph code for your PHP accounts, view our guide.
    1. Can I reverse my fund transfer transaction?
      • Once the transaction has been successful and debited from your account, the transaction you wish to cancel cannot be reverted.
    2. Will there be instances for unsuccessful credit to the receiving bank or eWallet?
      • For PESONet transactions, the final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
        • Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
        • There is a mismatch with the the beneficiary account name submitted compared to the records of the receiving financial institution
        • 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.
      • For InstaPay transactions, if funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution.
    3. How will the funds be returned to me if the interbank funds transfer transaction was not credited to the receiving bank?
      • For PESONet transactions, the fund transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution.
      • For InstaPay transactions, allow up to 2 banking days for either the funds be credited to your beneficiary or returned to your PNB account
    4. I have transferred money to the wrong account. How do I attempt to recover the funds?
      • 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.
    5. What should I do if my funds transfer transaction is unsuccessful?
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