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PNB Fund Transfer

Conveniently transfer funds with PNB Mobile Banking in just one tap. Fund other bank accounts and e-wallets anytime you want using either PESONet or InstaPay.

Why send money using InstaPay?

  • ✓ Real-time crediting of money
  • ✓ Send up to PHP50,000 per transaction
  • ✓ Available 24/7

Why send money using PESONet?

  • ✓ Send up to PHP100,000 per transaction
  • ✓ Send money at lower fee
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Conveniently transfer funds with PNB Mobile Banking in just one tap. Fund other bank accounts and e-wallets anytime you want using either PESONet or InstaPay.
Not yet enrolled?
Download the app

Why send money using InstaPay?

  • ✓ Real-time crediting of money
  • ✓ Send up to PHP50,000 per transaction
  • ✓ Available 24/7

Why send money using PESONet?

  • ✓ Send up to PHP100,000 per transaction
  • ✓ Send money at lower fee

How to transfer fund to other PNB accounts?

Select “Transfer Funds” on the menu

Choose ”Other PNB Accounts”

Choose source account of payment

Choose either from Saved Payees or add a New Payee

Enter bank account details

Confirm and enter OTP

A successful transaction notification shall be sent to your registered email and mobile number

How to transfer fund to other local bank accounts?

Select “Transfer Funds” on the menu

Choose either PESONet or InstaPay

*PESONet is subject to 12PM cut-off time while InstaPay offers real-time credit to account.

Choose source account of payment

Choose either from Saved Payees or add a New Payee

Enter bank account details

Confirm and enter OTP

A successful transaction notification shall be sent to your registered email and mobile number

  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 Mobile Banking. Kindly note that you cannot use budget checking as a source of funds to transfer to other accounts.
  2. How much is the transfer fee per transaction?
    • Transfer fee per PESONet transaction is PhP30 while for InstaPay is PhP50.
  3. What is the difference between PESONet and InstaPayInstaPay?
  4. How much is the limit of transfers per day?
    • Daily transfer limit is PHP600,000 each for both PESONet and InstaPay.
  5. Until what time can I transfer the funds?
    • You transfer money anytime. However, for PESONet, all transfer requests must be made before 12PM during banking days in order for funds to be credited to the beneficiary account on the same day.

      Transfers made on non-banking days such as weekends and holidays will be sent to your payee’s bank for processing on the next banking day.
  6. 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.
  7. Will there be instances for unsuccessful credit to the receiving bank?
    • Yes, 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

      This is only applicable to PESONet transactions. Please ensure to obtain the correct account information to avoid delays in the credit to the payee account.
  8. What shall I do if my account got debited but the transaction was not successful?
  9. 9. The amount I transferred was not credited to the receiving account, what shall I do?
  10. What shall I do if my account got debited but the transaction was not successful?

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