PNB Fund Transfer
Why transfer funds with PNB Mobile Banking?
- ✓ Service is available 24/7
- ✓ There are two ways to conveniently transfer funds to other banks
Real-time Funds Transfer via 
- ✓ 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 
- ✓ Funds are received within the 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 For more details, click here.
| INSTITUTION | PESONet | InstaPay |
|---|---|---|
| Al-Amanah Islamic Investment Bank (AAIIB) | ✓ | – |
| ALLBANK, INC. (A Thrift Bank) | ✓ | ✓ |
| 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) | ✓ | – |
| Cebuana Lhuillier Rural Bank, Inc. (CLB) | ✓ | ✓ |
| China Bank Savings (CBS) | ✓ | ✓ |
| China Banking Corporation (CBC) | ✓ | ✓ |
| CIMB Bank Phils., Inc. (CIMB) | ✓ | – |
| Citibank, N. A. (CITI) | ✓ | – |
| Community Bank of Romblon, Inc. (CRBR) | ✓ | – |
| 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 City Development Bank, Inc. (Dumaguete Bank) | ✓ | – |
| Dungganon Bank (DBI) | ✓ | ✓ |
| East-West Banking Corporation (EWBC) | ✓ | ✓ |
| EastWest Rural Bank / 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) | ✓ | – |
| 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) | ✓ | ✓ |
| Mizuho Bank, Ltd. (Mizuho) | ✓ | – |
| 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) | ✓ | ✓ |
| PNB Savings Bank (PNBSB) | – | ✓ |
| Producers Bank | – | ✓ |
| Producers Savings Bank Corporation (PSBC) | ✓ | – |
| QUEENBANK (QCB) | – | ✓ |
| Quezon Capital Rural Bank (QCRB) | – | ✓ |
| Queen City Development Bank (Queen Bank) | ✓ | – |
| Rang-Ay Bank, Inc. (A Rural Bank) | ✓ | – |
| Rizal Commercial Banking Corporation/DiskarTech | ✓ | ✓ |
| Robinsons Bank Corporation (RBC) | ✓ | ✓ |
| Rural Bank of Digos, Inc. (RBDI) | ✓ | – |
| Rural Bank of Guinobatan, Inc. (RBGI) | ✓ | ✓ |
| 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) | – | ✓ |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| United Coconut Planters Bank (UCPB) | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| Wealth Development Bank Corp. (WealthBank ) | ✓ | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
How to transfer funds with PNB Mobile Banking?
I will be transferring to:
1.  |
Select “Transfer Funds” on the app menu. |
2.  |
Choose “Other PNB Accounts.” |
3.  |
Choose source account of payment. |
4.  |
Choose either from Saved Payees or add a New Payee. |
5.  |
Enter bank account details. |
6.  |
Confirm and enter the 6-digit One-Time-PIN (OTP) to complete transaction. |
7.  |
A successful transaction notification shall be sent to your registered email and mobile number. |
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. Kindly note that you cannot use budget checking as a source of funds to transfer to other accounts.
- How much is the transfer fee per transaction?
- Transfer fee for PESONet transactions is PhP10, while for InstaPay is PhP10.
- 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, 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.
- 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.
- 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?
- 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
- 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
- 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.
- 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 Fund Transfer
Conveniently transfer funds with PNB Mobile Banking in just one tap. Fund other bank accounts and eWallets anytime you want using either PESONet or InstaPay.
Why transfer funds with PNB Mobile Banking?
- ✓ Service is available 24/7
- ✓ There are two ways to conveniently transfer funds to other banks
Real-time Funds Transfer via
- ✓ 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
- ✓ Funds are received within the 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 For more details, click here.
| INSTITUTION | PESONet | InstaPay |
|---|---|---|
| Al-Amanah Islamic Investment Bank (AAIIB) | ✓ | – |
| ALLBANK, INC. (A Thrift Bank) | ✓ | ✓ |
| 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) | ✓ | – |
| Cebuana Lhuillier Rural Bank, Inc. (CLB) | ✓ | ✓ |
| China Bank Savings (CBS) | ✓ | ✓ |
| China Banking Corporation (CBC) | ✓ | ✓ |
| CIMB Bank Phils., Inc. (CIMB) | ✓ | – |
| Citibank, N. A. (CITI) | ✓ | – |
| Community Bank of Romblon, Inc. (CRBR) | ✓ | – |
| 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 City Development Bank, Inc. (Dumaguete Bank) | ✓ | – |
| Dungganon Bank (DBI) | ✓ | ✓ |
| East-West Banking Corporation (EWBC) | ✓ | ✓ |
| EastWest Rural Bank / 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) | ✓ | – |
| 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) | ✓ | ✓ |
| Mizuho Bank, Ltd. (Mizuho) | ✓ | – |
| MVSM Bank (A Rural Bank Since 1953), Inc. | ✓ | – |
| Omnipay (OPI) | – | ✓ |
| Partner Rural Bank (Cotabato), Inc. (PAR) | – | ✓ |
| PayMaya Philippines, Inc. (PPI) | ✓ | ✓ |
| Phil. Bank of Comms (PBCom) |
✓ | ✓ |
| Philippine Business Bank (PBB) | ✓ | ✓ |
| Philippine Savings Bank (PSB) | ✓ | ✓ |
| Philippine Trust Company (PTC) | ✓ | ✓ |
| Philippine Veterans Bank (PVB) | ✓ | ✓ |
| PNB Savings Bank (PNBSB) | – | ✓ |
| Producers Bank | – | ✓ |
| Producers Savings Bank Corporation (PSBC) | ✓ | – |
| QUEENBANK (QCB) | – | ✓ |
| Quezon Capital Rural Bank (QCRB) | – | ✓ |
| Queen City Development Bank (Queen Bank) | ✓ | – |
| Rang-Ay Bank, Inc. (A Rural Bank) | ✓ | – |
| Rizal Commercial Banking Corp./ DiskarTech |
✓ | ✓ |
| Robinsons Bank Corporation (RBC) | ✓ | ✓ |
| Rural Bank of Digos, Inc. (RBDI) | ✓ | – |
| Rural Bank of Guinobatan, Inc. (RBGI) | ✓ | ✓ |
| 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) | – | ✓ |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| United Coconut Planters Bank (UCPB) | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| Wealth Development Bank Corp. (WealthBank ) | ✓ | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
How to transfer funds with PNB Mobile Banking?
I will be transferring to:
| 1. |
Select “Transfer Funds” on the app menu. |
| 2. |
Choose “Other PNB Accounts.” |
| 3. |
Choose source account of payment. |
| 4. |
Choose either from Saved Payees or add a New Payee. |
| 5. |
Enter bank account details. |
| 6. |
Confirm and enter the 6-digit One-Time-PIN (OTP) to complete transaction. |
| 7. |
A successful transaction notification shall be sent to your registered email and mobile number. |
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. Kindly note that you cannot use budget checking as a source of funds to transfer to other accounts.
- How much is the transfer fee per transaction?
- Transfer fee for PESONet transactions is PhP10, while for InstaPay is PhP10.
- 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, 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.
- 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.
- 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?
- 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
- 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
- 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.
- 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…