PNB Digital Send Money
Why Send Money with PNB Digital?
- ✓ Safe and convenient way to send funds or to settle payments in lieu of cash or check
- ✓ No need to wait for a One-Time PIN (OTP). Complete your transactions faster with the PNB Digital Key
- ✓ Transfer money via QR code
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
- ✓ 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.
- ✓ 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 your 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 
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) | ✓ | – |
| Banco De Oro Unibank, Inc. (BDO) | ✓ | ✓ |
| 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 | ✓ | – |
| Banko, A subsidiary of BPI (BGB) | ✓ | ✓ |
| Bayad Center Inc. | – | ✓ |
| BDO Network Bank (A Rural Bank of BDO) | ✓ | ✓ |
| Binangonan Rural Bank (BRB Digital) | – | ✓ |
| Biñan Rural Bank | ✓ | – |
| BPI / BPI Family Savings Bank | ✓ | ✓ |
| 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.) | ✓ | ✓ |
| GrabPay (GBY) | – | ✓ |
| Guagua Rural Bank, Inc. (GRBank) | ✓ | – |
| The Hongkong and Shanghai Banking Corp. (HSBC) | ✓ | – |
| 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) | ✓ | ✓ |
| 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) | ✓ | ✓ |
| Omnipay (OPI) | – | ✓ |
| 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 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) | – | ✓ |
| UCPB Savings Bank (USB) | – | ✓ |
| Tayocash Inc. | – | ✓ |
| Tonik Digital Bank, Inc. | ✓ | – |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| United Coconut Planters Bank (UCPB) | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| USSC Money Services, Inc | ✓ | ✓ |
| Wealth Development Bank Corp. (WealthBank ) | ✓ | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
|
|
Download |
|
 |
|
Choose the funds transfer service that is right for you!
|
 |
|
| 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? | Immediately even on weekends and holidays | Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
|
| What else do I need to know about this service? | Make sure you provide the correct beneficiary details. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. |
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. |
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.
|
Ready to send money?
Frequently Asked Questions
- 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.
- How much is the transfer fee per transaction?
- Transfer fee for both InstaPay and PESONet is Php20.
- How much is the limit per transfer?
- PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
- How much is the limit of transfers per day?
- Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
- 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.
- 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.
- For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
- 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.
- 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
- 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.
- What are the benefits of having a QR code?
- You can scan or upload a QR Code generated from PNB or from other banks with a
QR Ph logo.
- How to do I generate a QR Code for my PNB accounts?
- 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.
- 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
- 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.
- 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.
- 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.
- What should I do if my funds transfer transaction is unsuccessful?
- You can report transactional problems/errors by contacting PNB through Customer Care (+632) 8573-8888 / customercare@pnb.com.ph or visit a PNB branch near you.
Send money to a PayMaya or GCash account in just few steps
Kailangang magpadala sa Paymaya account ng kaibigan o kapamilya? Walang problema! Pwede kang mag transfer…
Send money home in spite of lockdown
The need to send money to our family, friends, and someone in need has never been this important.
Banking During Weekends
It’s a sunny Saturday and you remember you had to transact with your bank. The nearest branch from your area is closed…
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
- ✓ No need to wait for a One-Time PIN (OTP). Complete your transactions faster with the PNB Digital Key
- ✓ Transfer money via QR code
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
- ✓ 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.
- ✓ 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 your 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 -
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) | ✓ | – |
| Banco De Oro Unibank, Inc. (BDO) | ✓ | ✓ |
| 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 | ✓ | – |
| Banko, A subsidiary of BPI (BGB) | ✓ | ✓ |
| Bayad Center Inc. | – | ✓ |
| BDO Network Bank (A Rural Bank of BDO) | ✓ | ✓ |
| Binangonan Rural Bank (BRB Digital) | – | ✓ |
| Biñan Rural Bank | ✓ | – |
| BPI / BPI Family Savings Bank | ✓ | ✓ |
| 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.) | ✓ | ✓ |
| GrabPay (GBY) | – | ✓ |
| Guagua Rural Bank, Inc. (GRBank) | ✓ | – |
| The Hongkong and Shanghai Banking Corp. (HSBC) | ✓ | – |
| 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) | ✓ | ✓ |
| 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) | ✓ | ✓ |
| Omnipay (OPI) | – | ✓ |
| 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 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) | – | ✓ |
| UCPB Savings Bank (USB) | – | ✓ |
| Tayocash Inc. | – | ✓ |
| Tonik Digital Bank, Inc. | ✓ | – |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| United Coconut Planters Bank (UCPB) | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| USSC Money Services, Inc | ✓ | ✓ |
| Wealth Development Bank Corp. (WealthBank ) | ✓ | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
Choose the funds transfer service that is right for you!
|
|
|
| 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? | Immediately even on weekends and holidays | Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
|
| What else do I need to know about this service? | Make sure you provide the correct beneficiary details. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. |
|
|
|
Download |
|
|
|
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. |
| 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. |
Ready to send money?
Frequently Asked Questions
- 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.
- How much is the transfer fee per transaction?
- Transfer fee for both InstaPay and PESONet is Php20.
- How much is the limit per transfer?
- PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
- How much is the limit of transfers per day?
- Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
- 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.
- 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.
- For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
- 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.
- 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
- 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.
- What are the benefits of having a QR code?
- You can scan or upload a QR Code generated from PNB or from other banks with a
QR Ph logo. - How to do I generate a QR Code for my PNB accounts?
- 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.
- 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
- 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.
- 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
- 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.
- What should I do if my funds transfer transaction is unsuccessful?
- You can report transactional problems/errors by contacting PNB through Customer Care (+632) 8573-8888 / customercare@pnb.com.ph or visit a PNB branch near you.
Send money to a PayMaya or GCash account in just few steps
Kailangang magpadala sa Paymaya account ng kaibigan o kapamilya? Walang problema! Pwede kang mag transfer…
Send money home in spite of lockdown
The need to send money to our family, friends, and someone in need has never been this important.
Banking During Weekends
It’s a sunny Saturday and you remember you had to transact with your bank. The nearest branch from your area is closed…