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PNB Send Cash

Enjoy the convenience of sending money to your beneficiaries anywhere in the Philippines even if they don’t have bank accounts.

Why send money with PNB Mobile Banking App? 

  • ✓ Money can be claimed at any PNB branch nationwide
  • ✓ Fixed service charge regardless of amount to be sent
  • ✓ Service is available 24/7
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Enjoy the convenience of sending money to your beneficiaries anywhere in the Philippines even if they don’t have bank accounts.
Not yet enrolled?
Download the app

Why send money with PNB Mobile Banking App?

  • ✓ Money can be claimed at any PNB branch nationwide
  • ✓ Fixed service charge regardless of amount to be sent
  • ✓ Service is available 24/7

How to send cash to beneficiaries with no bank accounts?

On the menu of PNB Digital Banking, click SEND CASH.

Click SEND CASH at the bottom of the screen.

Choose your source account and input your beneficiary’s mobile number and the transaction amount.

Select “Continue” and enter the OTP sent to your mobile number.

Upon completion, you will receive an email notification and an SMS notification that contains the passcode that you need to send to your beneficiary.


*The Send Cash reference number will be sent to your beneficiary’s mobile number.

How to redeem the cash sent?

Go to the nearest branch or preferred branch.

Present the Send Cash reference number and passcode provided by your sender.

Accomplish Money Payment Form and present a Valid ID.

Receive cash.


Primary ID:

Valid Passport
Driver’s License with Official Receipt
Unified Multi-Purpose ID
SSS ID
GSIS e-Card
PRC ID
IBP Lifetime Membership ID
NBI Clearance
Work Permit issued by DOLE for Foreign Nationals


For Foreign Nationals
Passport WITH ACR issued by Bureau of Immigration


AND any of the following:

National ID
Internal Revenue Service (IRS) ID
Social Security System (SSS) ID
Work permit issued by DOLE (mandatory
requirement) if employed in the Philippines


Secondary ID:

Police Clearance
Postal ID
Voter’s ID
Barangay Certification
Senior Citizen 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)
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


*For Students below 17 years old, a photo-bearing school ID duly signed by the principal or head of the school is required.

Primary ID:

Valid Passport
Driver’s License with Official Receipt
Unified Multi-Purpose ID
SSS ID
GSIS e-Card
PRC ID
IBP Lifetime Membership ID
NBI Clearance
Work Permit issued by DOLE for Foreign Nationals


For Foreign Nationals
Passport WITH ACR issued by Bureau of Immigration


AND any of the following:

National ID
Internal Revenue Service (IRS) ID
Social Security System (SSS) ID
Work permit issued by DOLE (mandatory
requirement) if employed in the Philippines


Secondary ID:

Police Clearance
Postal ID
Voter’s ID
Barangay Certification
Senior Citizen 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)
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


*For Students below 17 years old, a photo-bearing school ID duly signed by the principal or head of the school is required.

  1. What account/s can I use to send cash?
    • You can use your debit, passbook, or checking account. However, you can’t transfer if your account is dormant, in frozen status, joint, and a budget checking.
  2. What are the requirements needed to send cash to my beneficiaries?
    • You just need the beneficiary’s mobile number.
  3. What are the requirements for my beneficiaries to claim the money I sent them?
    • Your beneficiary needs to present a valid ID, reference number that was sent to their mobile number, and passcode from the sender.
  4. How much is the transfer fee per transaction?
    • There is a fee of PhP50 per transaction and PhP5 per passcode reset.
  5. How much can I transfer per transaction? 
    • You are allowed to transfer at least PhP100 and a maximum of PhP10,000 per day. But you’re allowed to only send a maximum of PhP100,000 per month.
  6. What is the limit number of transactions per day?
    • You are not limited to sending numerous transactions a day for as long as you don’t reach the cap of PhP10,000 per day.
  7. Until what time can I send cash?
    • You can make a send cash request anytime.
  8. How long is the transaction valid?
    • Your transaction is valid for 10 days. After this period, the money will be transferred back to your account but the service charge is not refundable.
  9. Can my beneficiary claim it immediately after I send the money?
    • Yes, your beneficiary can already redeem the proceeds once he/she receives the SMS notification with the send cash reference number.
  10. Where can they claim the money I sent them?
  11. Can I cancel the transaction?
    • Yes, but the service charge is not refundable. To cancel, follow these steps:
      1. On the menu, click SEND CASH
      2. Select the transaction you wish to cancel and click CANCEL SEND CASH
      3. A confirmation screen will pop up and wait for the email notification
      4. Check your account if it is transferred back to you
  12. How to reset the passcode? 
    • You can follow these steps to reset your passcode:
      1. On the menu, select “Send Cash”
      2. Select the transaction item, click “Reset Passcode”
      3. Wait for the confirmation to appear
      4. Send the new passcode to the beneficiary
  13. Who can I contact if I encounter problems while sending cash using the app?

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