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PNB Send Money

Conveniently transfer funds between PNB accounts and to other bank accounts or e-wallets in just a few clicks, anytime you want.

Why Send Money with PNB Digital?

pnb-mobile-banking-fund-transfer
  • Service is available 24/7
  • You can conveniently send money to other banks

Send Money Real-time via pnb-instapay

  • Your recipients can get their money real-time
  • You can transfer up to P50,000 per transaction
  • A fee of P10 is charged per transaction
  • For more details, click here.
pnb-mobile-banking-fund-transfer-instapay

Send bigger amounts with pnb-pesonet

pnb-mobile-banking-fund-transfer-pesonet
  • Funds are received within the same banking day* if transaction is made before 2PM cut-off during banking days
  • You can transfer up to P100,000 per transaction
  • A fee of P10 is charged per transaction
  • * credit to payee account after 4PM
    For more details, 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
Bank of Tokyo-Mits., Limited (TOKYO)
Banko, A subsidiary of BPI (BGB)
BDO Network Bank (A Rural Bank of BDO)
Binangonan Rural Bank (BRB Digital)
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)
Community Bank of Romblon, Inc. (CRBR)
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)
Malayan Bank Savings and Mortgage Bank, Inc. (MSB)
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.
MVSM Bank (A Rural Bank Since 1953), Inc.
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 Bauang, Inc (RBBI)
Rural Bank of Digos, Inc. (RBDI)
Rural Bank of Lebak, Inc.
Rural Bank of Montalban, Inc.
Rural Bank of Rosario, Inc. (L.U.)
Rural Bank of Sta. Ignacia, Inc.
Security Bank Corporation (SBC)
Shinhan Bank (SHB)
Starpay (SPY)
Sterling Bank of Asia (SBA)
Sumitomo Mitsui Banking Corp (SMBC)
Sun Savings Bank (SSB)
The Standard Chartered Bank (SCB)
UCPB Savings Bank (USB)
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
the App now!

Choose the funds transfer service that is right for you!

  pnb-instapay pnb-pesonet
Up to how much can I send? Php50,000 per transaction
Php200,000 daily
Php100,000 per transaction
Php200,000 daily
How much is the transaction fee? Php10 Php10
How soon will my beneficiary receive the funds? Immediately even on weekends and holidays Your beneficiary will receive the funds after 4PM of the same banking day for transfer requests made before 2PM on banking days.
Crediting is subject to processing time of the receiving financial institution.
Your beneficiary will receive the funds on the on the next banking day if your transfer request was made after 2PM or during weekends and holidays.
Get notified on the status of your transfer as soon as the status provided by the receiving financial institution is available. This may vary depending on the receiving financial institution, usually from before midnight to the morning of the next banking day.
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
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
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. Kindly note that you cannot use budget checking as a source of funds to transfer to other accounts.
    1. How much is the transfer fee per transaction?
      • Transfer fee for PESONet transactions is PhP10, while for InstaPay is PhP10.
    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, for PESONet, 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 day. InstaPay has no cut-off time and money can be credited anytime.
    1. How soon are funds credited to the receiving bank?
      • For PESONet transactions made 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.
      • For InstaPay transactions, the funds will immediately be credited to the payee account.
    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?
      • For PESONet transactions, 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.
      • For InstaPay transactions, 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.
        Possible causes:
        • Host is down
        • Bancnet connection is down
        • Receiving bank is down
        Funds is expected to be credited to the payee account within the next banking day.
    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 bank.
      • For InstaPay transactions, no credit shall be made to the payee account. If the source account was debited for the fund transfer amount and service fee, they will be credited back on the next banking day.
    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?
    pnb-mobile-banking-fund-transfer-blog-send-money-paymaya-gcash

    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…

    READ MORE

    pnb-mobile-banking-fund-transfer-blog-send-money-during-lockdown

    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.

    READ MORE

    pnb-mobile-banking-fund-transfer-blog-weekend-banking

    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…

    READ MORE

    PNB Send Money

    Conveniently transfer funds between PNB accounts and to other bank accounts or e-wallets in just a few clicks, anytime you want.

    Why Send Money with PNB Digital?

    • Service is available 24/7
    • You can conveniently send money to other banks

    Send Money Real-time via pnb-instapay

    • Your recipients can get their money real-time
    • You can transfer up to P50,000 per transaction
    • A fee of P10 is charged per transaction
    • For more details, click here.

    Send bigger amounts with pnb-pesonet

    • Funds are received within the same banking day* if transaction is made before 2PM cut-off during banking days
    • You can transfer up to P100,000 per transaction
    • A fee of P10 is charged per transaction
    • * credit to payee account after 4PM
      For more details, 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
    Bank of Tokyo-Mits., Limited (TOKYO)
    Banko, A subsidiary of BPI (BGB)
    BDO Network Bank (A Rural Bank of BDO)
    Binangonan Rural Bank (BRB Digital)
    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)
    Community Bank of Romblon, Inc. (CRBR)
    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)
    Malayan Bank Savings and Mortgage Bank, Inc. (MSB)
    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.
    MVSM Bank (A Rural Bank Since 1953), Inc.
    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 Bauang, Inc (RBBI)
    Rural Bank of Digos, Inc. (RBDI)
    Rural Bank of Lebak, Inc.
    Rural Bank of Montalban, Inc.
    Rural Bank of Rosario, Inc. (L.U.)
    Rural Bank of Sta. Ignacia, Inc.
    Security Bank Corporation (SBC)
    Shinhan Bank (SHB)
    Starpay (SPY)
    Sterling Bank of Asia (SBA)
    Sumitomo Mitsui Banking Corp (SMBC)
    Sun Savings Bank (SSB)
    The Standard Chartered Bank (SCB)
    UCPB Savings Bank (USB)
    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!

      pnb-instapay pnb-pesonet
    Up to how much can I send? Php50,000 per transaction
    Php200,000 daily
    Php100,000 per transaction
    Php200,000 daily
    How much is the transaction fee? Php10 Php10
    How soon will my beneficiary receive the funds? Immediately even on weekends and holidays Your beneficiary will receive the funds after 4PM of the same banking day for transfer requests made before 2PM on banking days.
    Crediting is subject to processing time of the receiving financial institution.
    Your beneficiary will receive the funds on the on the next banking day if your transfer request was made after 2PM or during weekends and holidays.
    Get notified on the status of your transfer as soon as the status provided by the receiving financial institution is available. This may vary depending on the receiving financial institution, usually from before midnight to the morning of the next banking day.
    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
    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
    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.
    5. Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number.
    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. Kindly note that you cannot use budget checking as a source of funds to transfer to other accounts.
    1. How much is the transfer fee per transaction?
      • Transfer fee for PESONet transactions is PhP10, while for InstaPay is PhP10.
    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, for PESONet, 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 day. InstaPay has no cut-off time and money can be credited anytime.
    1. How soon are funds credited to the receiving bank?
      • For PESONet transactions made 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.
      • For InstaPay transactions, the funds will immediately be credited to the payee account.
    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?
      • For PESONet transactions, 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.
      • For InstaPay transactions, 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.
        Possible causes:
        • Host is down
        • Bancnet connection is down
        • Receiving bank is down
        Funds is expected to be credited to the payee account within the next banking day.
    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 bank.
      • For InstaPay transactions, no credit shall be made to the payee account. If the source account was debited for the fund transfer amount and service fee, they will be credited back on the next banking day.
    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?
    pnb-mobile-banking-fund-transfer-blog-send-money-paymaya-gcash

    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…


    READ MORE

    pnb-mobile-banking-fund-transfer-blog-send-money-during-lockdown

    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.


    READ MORE

    pnb-mobile-banking-fund-transfer-blog-weekend-banking style=

    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…


    READ MORE


    Customer Care

    Bank Hotline
    Tel. No.: (+632) 8573 8888
    Email: customercare@pnb.com.ph
    PNB Cards
    Tel. No.: (+632) 8818 9818
    Email: pnbcreditcards@pnb.com.ph
    Deposits are insured by PDIC up to P500,000 per depositor.
    PNB is regulated by the Bangko Sentral ng Pilipinas
    https://www.bsp.gov.ph.
    BSP Webchat - https://www.bsp.gov.ph
    SMS: 021582277 (for Globe subscribers only)
    BSP Facebook - https://www.facebook.com/BangkoSentralngPilipinas
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