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PNB MyFirst Savings Account

It’s a savings account for students aged 7 to 19 years old. MyFirst Savings Account comes with:
✓ PNB-PAL Mabuhay Miles Debit Mastercard or
✓ PNB Passbook
*For children aged 7 years old below, an “IN TRUST FOR” (ITF) MyFirst Savings Account should be opened, where the signatory is the parent of the child.

Balance Requirements

Initial Deposit PHP 0.00
Min. Maintaining Balance PHP 0.00
Min. ADB to Earn Interest PHP 5,000.00
Interest Rate 0.100% p.a.

What are the requirements to open a PNB MyFirst Savings Account

  • 1 Valid ID (primary or secondary)
  • Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
  • Valid enrollment/registration form of the current school year
  • *PNB may require additional IDs or documents for further verification.
    For ITF, Birth Certificate of Child, Valid ID of parent/legal guardian, and guardianship documents (if applicable)

How to Open a PNB MyFirst Savings Account

1. Download and fill-out the account opening form
2. Visit the branch and present requirements
3. Wait for your passbook or debit card
4. Enroll on PNB Digital Banking

pnb-mobile-banking-enroll-debit-card

Ready to enroll?

Download the app now!

Frequently Asked Questions

  1. What are the requirements for Account Opening?
    • 1 Valid ID (primary or secondary)
    • Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
    • Valid enrollment/registration form of the current school year
    *PNB may require additional IDs or documents for further verification.
    For ITF, Birth Certificate of Child, Valid ID of parent/legal guardian, and guardianship documents (if applicable)
DEBIT MASTERCARD
  1. What can I do with the PNB Debit Mastercard?
    • Check balance online or via ATM
    • Withdraw your money from ATMs
    • Deposit cash via PNB Cash Accept Machines (CAM)
    • Transfer funds online or via PNB ATM
    • Pay bills online or via PNB ATM
    • Shop online or pay at Point-of-Sale (POS) Terminals
CARD TRANSACTIONS
  1. Where can I use the PNB Debit Mastercard?
    • Local ATMs (BancNet, Megalink, and ExpressNet)
    • BancNet merchants nationwide
    • BancNet online transactions
    • PNB Digital Banking
    • Local Mastercard and Maestro Merchants
    • International ATM Networks (Mastercard and Maestro)
    • International Mastercard and Maestro Merchants
  2. How much is the transaction limit?
    • PHP10,000 maximum ATM withdrawal limit per transaction
    • PHP50,000 maximum POS and ATM transaction limit per day
PNB-PAL MABUHAY MILES DEBIT MASTERCARD
  1. Point Conversion
    • PAL Transaction: PHP 150: 1 rewards point: 1 Mabuhay Mile
    • Non-PAL Transactions: PHP 250: 1 rewards point: 1 Mabuhay Mile
  2. Welcome Gift
  3. Mabuhay Miles Redemption
    *Transactions from the following are EXCLUDED from earning reward points: supermarket/grocery stores, gasoline/petrol stations, drugstore/heathcare, casino, domestic and international cash withdrawal, and transactions lower than PHP 1,500.
    PNB Debit Cards Rewards Program Terms and Conditions
BALANCE REQUIREMENT
Initial Deposit
PHP 0.00
Minimum Maintaining Balance
PHP 0.00
Minimum ADB to Earn Interest
PHP 5,000.00
Interest Rate
0.100% p.a.
Dormancy
2 Years
LOCAL TRANSACTION CHARGES
Withdrawal on PNB ATM
None
Inquiry on PNB ATM
None
Withdrawal on Other Bank’s ATM
Dictated by Acquiring Bank / ATM Owner
Inquiry on Other Bank’s ATM
Dictated by Acquiring Bank / ATM Owner
BancNet POS
None
Fund Transfer to Other Banks through BancNet (IBFT)
PHP 25.00
INTERNATIONAL TRANSACTION CHARGES
Withdrawal
PHP 150.00
Inquiry
PHP 75.00

* All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.
OTHER CHARGES
Card Replacement
PHP 200.00
Passbook Replacement
PHP 200.00
Early Closure (Applicable to accounts closed within 30 days from account opening)
PHP 500.00
Interbranch/interoffice deposit transactions*
FREE
Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*
FREE

* PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Occidental-Mindoro-Mamburao, PNB Occidental-Mindoro-San Jose, PNB Oriental Mindoro-Calapan, PNB Oriental Mindoro-Pinamalayan, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Marinduque-Boac, PNB Marinduque-Sta.Cruz, PNB Cantanduanes-Virac, PNB Masbate City, PNB Cebu-Bantayan, PNB Siquijor-Larena, PNB Boracay Station 2, PNB Davao Samal Island, PNB Camiguin-Mambajao, PNB Siargao Island-Dapa, PNB Marawi City MSU Campus (outgoing transactions only), PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Roxas, PNB Basilan-Isabela-Strong Blvd., PNB Oriental Mindoro-Bongabong, PNB Oriental Mindoro-Calapan-San Vicente West, PNB Oriental Mindoro-Pinamalayan Malvar, PNB Oriental Mindoro-Puerto Galera, PNB Oriental Mindoro-Roxas, PNB Oriental Mindoro-Victoria, and PNB Romblon-Odiongan-Liwayway.
Others    
VALID IDs

Primary ID:

Valid Passport
Driver’s License
Unified Multi-Purpose ID
Digitized BIR TIN Card
SSS ID
GSIS e-Card
PRC ID
IBP Lifetime Membership ID
NBI Clearance
Work Permit issued by DOLE for Foreign Nationals
PhilSys ID/digital ID/printed ePhilID


For Foreign Nationals
Passport with ACR issued by Bureau of Immigration; and
Any of the following IDs issued by their country of origin or by the Republic of the Philippines:
  • ✓ National ID
  • ✓ Internal Revenue Service ID
  • ✓ SSN ID
  • ✓ Driver’s License
  • ✓ Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
  • ✓ Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC


Secondary ID:

Police Clearance
Digitized Postal ID
Voter’s ID
Tax Identification Number Card
Barangay Certification
Senior Citizen Card
MARINA Professional Identification Card
OWWA ID
OFW ID
Seaman’s Book
Alien Certification of Registration/Immigrant/
Certificate of Registration
Government Office and GOCC ID
(e.g. AFP, HDMF IDs)
Persons with Disability (PWD) Identification Card
Certification from NCWDP
DSWD Certification
IBP ID
PhilHealth ID Health Insurance Card ng Bayan
Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC


* PNB may require additional IDs or documents for further verification.
ONE-TIME PIN (OTP)
  1. What is a One-Time PIN (OTP)?
    The One-Time PIN (OTP) is a unique six (6) – digit system-generated password sent to your registered mobile number via SMS for your online transactions using your PNB Debit Mastercard. It is an additional security feature thatstrengthens the authentication process to minimize potential fraud or unauthorized transactions.
  2. How do I use this feature?
    Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB Debit Mastercard.
  3. How do I register or update my mobile number to receive OTP?
    You must update your contact details by visiting any PNB Branch nearest you for your convenience. Only your registered mobile number will receive an OTP.
  4. What happens if an OTP is not entered immediately?
    The OTP will expire if not entered within five (5) minutes. If this happens, you may get a new OTP by clicking the “Regenerate OTP button”..
  5. What happens if I accidentally input a wrong OTP?
    You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, you will be required to regenerate a new OTP.
  6. Where will I expect to receive the OTP?
    The OTP will be sent to your registered mobile number. If you have concerns or issues with your OTP, please call PNB Customer Care Hotline at (02) 8573-8888.
  7. What should I do if I did not receive the OTP?
    Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.
  8. What should I do if I changed my mobile number or email address?
    Please update your contact details through any PNB Branch.
  9. Will I still receive my OTP if I am out of the country?
    You will get your OTP if your registered mobile number is enabled for international roaming to receive SMS.
  10. Is the OTP free of charge?
    Yes, OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
  11. Can I request to disable the OTP feature in my PNB Debit Mastercard account?
    No. All users of PNB Debit Mastercard are required to use their assigned OTP to secure and complete their online transactions.
  12. What should I do if I receive an OTP without initiating any activity?
    You should immediately call the PNB Customer Care Hotline at (02) 8573-8888 to report the incident.
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PNB MyFirst Savings Account

It’s a savings account for students aged 7 to 19 years old. MyFirst Savings Account comes with:
✓ PNB-PAL Mabuhay Miles Debit Mastercard or
✓ PNB Passbook
*For children aged 7 years old below, an “IN TRUST FOR” (ITF) MyFirst Savings Account should be opened, where the signatory is the parent of the child.

Balance Requirements

Initial Deposit PHP 0.00
Min. Maintaining Balance PHP 0.00
Min. ADB to Earn Interest PHP 5,000.00
Interest Rate 0.100% p.a.

What are the requirements to open a PNB MyFirst Savings Account

  • 1 Valid ID (primary or secondary)
  • Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
  • Valid enrollment/registration form of the current school year
  • *PNB may require additional IDs or documents for further verification.
    For ITF, Birth Certificate of Child, Valid ID of parent/legal guardian, and guardianship documents (if applicable)

How to Open a PNB MyFirst Savings Account

1. Download and fill-out the account opening form
2. Visit the branch and present requirements
3. Wait for your passbook or debit card
4. Enroll on PNB Digital Banking

pnb-mobile-banking-enroll-debit-card

Ready to enroll?

Download the app now!

Frequently Asked Questions

  1. What are the requirements for Account Opening?
    • 1 Valid ID (primary or secondary)
    • Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
    • Valid enrollment/registration form of the current school year
    *PNB may require additional IDs or documents for further verification.
    For ITF, Birth Certificate of Child, Valid ID of parent/legal guardian, and guardianship documents (if applicable)
DEBIT MASTERCARD
  1. What can I do with the PNB Debit Mastercard?
    • Check balance online or via ATM
    • Withdraw your money from ATMs
    • Deposit cash via PNB Cash Accept Machines (CAM)
    • Transfer funds online or via PNB ATM
    • Pay bills online or via PNB ATM
    • Shop online or pay at Point-of-Sale (POS) Terminals
CARD TRANSACTIONS
  1. Where can I use the PNB Debit Mastercard?
    • Local ATMs (BancNet, Megalink, and ExpressNet)
    • BancNet merchants nationwide
    • BancNet online transactions
    • PNB Digital Banking
    • Local Mastercard and Maestro Merchants
    • International ATM Networks (Mastercard and Maestro)
    • International Mastercard and Maestro Merchants
  2. How much is the transaction limit?
    • PHP10,000 maximum ATM withdrawal limit per transaction
    • PHP50,000 maximum POS and ATM transaction limit per day
PNB-PAL MABUHAY MILES DEBIT MASTERCARD
  1. Point Conversion
    • PAL Transaction: PHP 150: 1 rewards point: 1 Mabuhay Mile
    • Non-PAL Transactions: PHP 250: 1 rewards point: 1 Mabuhay Mile
  2. Welcome Gift
  3. Mabuhay Miles Redemption
    *Transactions from the following are EXCLUDED from earning reward points: supermarket/grocery stores, gasoline/petrol stations, drugstore/heathcare, casino, domestic and international cash withdrawal, and transactions lower than PHP 1,500.
    PNB Debit Cards Rewards Program Terms and Conditions
BALANCE REQUIREMENT
Initial Deposit
PHP 0.00
Minimum Maintaining Balance
PHP 0.00
Minimum ADB to Earn Interest
PHP 5,000.00
Interest Rate
0.100% p.a.
Dormancy
2 Years
LOCAL TRANSACTION CHARGES
Withdrawal on PNB ATM
None
Inquiry on PNB ATM
None
Withdrawal on Other Bank’s ATM
Dictated by Acquiring Bank / ATM Owner
Inquiry on Other Bank’s ATM
Dictated by Acquiring Bank / ATM Owner
BancNet POS
None
Fund Transfer to Other Banks through BancNet (IBFT)
PHP 25.00
INTERNATIONAL TRANSACTION CHARGES
Withdrawal
PHP 150.00
Inquiry
PHP 75.00

* All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.
OTHER CHARGES
Card Replacement
PHP 200.00
Passbook Replacement
PHP 200.00
Early Closure (Applicable to accounts closed within 30 days from account opening)
PHP 500.00
Interbranch/interoffice deposit transactions*
FREE
Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*
FREE

* PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Occidental-Mindoro-Mamburao, PNB Occidental-Mindoro-San Jose, PNB Oriental Mindoro-Calapan, PNB Oriental Mindoro-Pinamalayan, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Marinduque-Boac, PNB Marinduque-Sta.Cruz, PNB Cantanduanes-Virac, PNB Masbate City, PNB Cebu-Bantayan, PNB Siquijor-Larena, PNB Boracay Station 2, PNB Davao Samal Island, PNB Camiguin-Mambajao, PNB Siargao Island-Dapa, PNB Marawi City MSU Campus (outgoing transactions only), PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Roxas, PNB Basilan-Isabela-Strong Blvd., PNB Oriental Mindoro-Bongabong, PNB Oriental Mindoro-Calapan-San Vicente West, PNB Oriental Mindoro-Pinamalayan Malvar, PNB Oriental Mindoro-Puerto Galera, PNB Oriental Mindoro-Roxas, PNB Oriental Mindoro-Victoria, and PNB Romblon-Odiongan-Liwayway.
Others    
VALID IDs

Primary ID:

Valid Passport
Driver’s License
Unified Multi-Purpose ID
Digitized BIR TIN Card
SSS ID
GSIS e-Card
PRC ID
IBP Lifetime Membership ID
NBI Clearance
Work Permit issued by DOLE for Foreign Nationals
PhilSys ID/digital ID/printed ePhilID


For Foreign Nationals
Passport with ACR issued by Bureau of Immigration; and
Any of the following IDs issued by their country of origin or by the Republic of the Philippines:
  • ✓ National ID
  • ✓ Internal Revenue Service ID
  • ✓ SSN ID
  • ✓ Driver’s License
  • ✓ Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
  • ✓ Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC


Secondary ID:

Police Clearance
Digitized Postal ID
Voter’s ID
Tax Identification Number Card
Barangay Certification
Senior Citizen Card
MARINA Professional Identification Card
OWWA ID
OFW ID
Seaman’s Book
Alien Certification of Registration/Immigrant/
Certificate of Registration
Government Office and GOCC ID
(e.g. AFP, HDMF IDs)
Persons with Disability (PWD) Identification Card
Certification from NCWDP
DSWD Certification
IBP ID
PhilHealth ID Health Insurance Card ng Bayan
Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC


* PNB may require additional IDs or documents for further verification.
ONE-TIME PIN (OTP)
  1. What is a One-Time PIN (OTP)?
    The One-Time PIN (OTP) is a unique six (6) – digit system-generated password sent to your registered mobile number via SMS for your online transactions using your PNB Debit Mastercard. It is an additional security feature thatstrengthens the authentication process to minimize potential fraud or unauthorized transactions.
  2. How do I use this feature?
    Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB Debit Mastercard.
  3. How do I register or update my mobile number to receive OTP?
    You must update your contact details by visiting any PNB Branch nearest you for your convenience. Only your registered mobile number will receive an OTP.
  4. What happens if an OTP is not entered immediately?
    The OTP will expire if not entered within five (5) minutes. If this happens, you may get a new OTP by clicking the “Regenerate OTP button”..
  5. What happens if I accidentally input a wrong OTP?
    You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, you will be required to regenerate a new OTP.
  6. Where will I expect to receive the OTP?
    The OTP will be sent to your registered mobile number. If you have concerns or issues with your OTP, please call PNB Customer Care Hotline at (02) 8573-8888.
  7. What should I do if I did not receive the OTP?
    Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.
  8. What should I do if I changed my mobile number or email address?
    Please update your contact details through any PNB Branch.
  9. Will I still receive my OTP if I am out of the country?
    You will get your OTP if your registered mobile number is enabled for international roaming to receive SMS.
  10. Is the OTP free of charge?
    Yes, OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
  11. Can I request to disable the OTP feature in my PNB Debit Mastercard account?
    No. All users of PNB Debit Mastercard are required to use their assigned OTP to secure and complete their online transactions.
  12. What should I do if I receive an OTP without initiating any activity?
    You should immediately call the PNB Customer Care Hotline at (02) 8573-8888 to report the incident.
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Trunkline
Tel. No.: (+632) 8526 3131

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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