PNB Top Saver Account

It is a special savings account that earns for bigger balances with tiered interest on top of the regular savings account rate. PNB Top Saver Account comes with a passbook or a PNB-PAL Mabuhay Miles Debit Mastercard which can be used at:

✓ Mastercard and Maestro accredited merchants

✓ over 2 million ATMs worldwide

Balance Requirements

Initial Deposit	PHP 30,000.00
Min. Maintaining Balance	PHP 30,000.00
Min. ADB to Earn Interest	PHP 30,000.00
Interest Rate	Tiered

Ready to open an account?

Got an account already?

Got more questions?

PNB Top Saver Account

✓ Mastercard and Maestro accredited merchants

✓ over 2 million ATMs worldwide

Balance Requirements

Initial Deposit	PHP 30,000.00
Min. Maintaining Balance	PHP 30,000.00
Min. ADB to Earn Interest	PHP 30,000.00
Interest Rate	Tiered

Ready to open an account?

Got an account already?

Got more questions?

How to Open a PNB Top Saver Account

Download and fill-out the account opening form

Visit the branch and present requirements

Wait for your passbook or debit card

Enroll on PNB Digital Banking

How to Open a
PNB Top Saver Account

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

Requirements for Account Opening

2 Government-issued Valid IDs

Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)

Initial Deposit of PHP 30,000

Requirements for
Account Opening

	2 Government-issued Valid IDs
	Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
	Initial Deposit of PHP 30,000

*Branch may request for Proof of Billing for further validation

PNB-PAL Mabuhay Miles Debit Mastercard

✓	Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
✓	Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance
✓	Withdraw at any BancNet, MegaLink, or ExpressNet ATMs in the Philippines
✓	Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
✓	Use for online transactions for ease and convenience
✓	Tap to pay on any Mastercard PayPass-enabled POS machines

PNB Debit Cards Terms and Conditions

PNB Debit Cards Rewards Program Terms and Conditions

PNB-PAL Mabuhay Miles Debit Mastercard

✓	Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
✓	Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance
✓	Withdraw at any BancNet, MegaLink, or ExpressNet ATMs in the Philippines
✓	Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
✓	Use for online transactions for ease and convenience
✓	Tap to pay on any Mastercard PayPass-enabled POS machines

PNB Debit Cards Terms and Conditions

PNB Debit Cards Rewards Program Terms and Conditions

Frequently Asked Questions

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

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

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

Point Conversion

PAL Transaction: PHP 150: 1 rewards point: 1 Mabuhay Mile

Non-PAL Transactions: PHP 250: 1 rewards point: 1 Mabuhay Mile

Welcome Gift

500 Mabuhay Miles (if with PAL transaction
within 3 months from card issuance)

Mabuhay Miles Redemption

Min. Redemption of Rewards Points: Blocks of 2,000 points
Rewards Points Redemption: Call (+632) 8573 8888
Welcome Gift Redemption: Call (+632) 8573 8888

*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

Point Conversion

PAL Transaction: PHP 150: 1 rewards point: 1 Mabuhay Mile

Non-PAL Transactions: PHP 250: 1 rewards point: 1 Mabuhay Mile

Welcome Gift

500 Mabuhay Miles (if with PAL transaction
within 3 months from card issuance)

Mabuhay Miles Redemption

Min. Redemption of Rewards Points: Blocks of 2,000 points
Rewards Points Redemption: Call (+632) 8573 8888
Welcome Gift Redemption: Call (+632) 8573 8888

PNB Debit Cards Rewards Program Terms and Conditions

BALANCE REQUIREMENT

Initial Deposit	PHP 30,000.00
Minimum Maintaining Balance	PHP 30,000.00
Minimum ADB to Earn Interest	PHP 30,000.00
Interest Rate	Tiered
Dormancy	2 Years
Dormancy Fee*	PHP 30.00

* Dormancy fees on a dormant deposit accounts shall be collected when:

– 5 years after non-activity and;

– If the balance falls below the required minimum maintaining balance.

Tiered Interest Rates
Monthly Balance (ADB)	Base Rate	Additional Rate if not more than 2 withdrawals per month	Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)
0-29,999	0.000%	0.000%	0.000%
30,000 – 149,999	0.000%	0.125%	0.125%
150,000 – 299,999	0.000%	0.125%	0.125%
300,000 – 499,999	0.125%	0.125%	0.250%
500,000 – 2,999,999	0.250%	0.125%	0.375%
3,000,000 and up	0.375%	0.125%	0.500%

Initial Deposit	PHP 30,000.00
Minimum Maintaining Balance	PHP 30,000.00
Minimum ADB to Earn Interest	PHP 30,000.00
Interest Rate	Tiered
Dormancy	2 Years
Dormancy Fee*	PHP 30.00

* Dormancy fees on a dormant deposit accounts shall be collected when:

– 5 years after non-activity and;

– If the balance falls below the required minimum maintaining balance.

Tiered Interest Rates

Monthly Balance (ADB) of 0-29,999
Base Rate	0.000%
Additional Rate if not more than 2 withdrawals per month	0.000%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.000%

Monthly Balance (ADB) of 30,000 – 149,999
Base Rate	0.000%
Additional Rate if not more than 2 withdrawals per month	0.125%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.125%

Monthly Balance (ADB) of 150,000 – 299,999
Base Rate	0.000%
Additional Rate if not more than 2 withdrawals per month	0.125%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.125%

Monthly Balance (ADB) of 300,000 – 499,999
Base Rate	0.125%
Additional Rate if not more than 2 withdrawals per month	0.125%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.250%

Monthly Balance (ADB) of 500,000 – 2,999,999
Base Rate	0.250%
Additional Rate if not more than 2 withdrawals per month	0.125%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.375%

Monthly Balance (ADB) of 3,000,000 and up
Base Rate	0.375%
Additional Rate if not more than 2 withdrawals per month	0.125%
Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)	0.500%

LOCAL TRANSACTION CHARGES

INTERNATIONAL TRANSACTION CHARGES

OTHER CHARGES

Card Replacement	PHP 150.00
Passbook Replacement	PHP 200.00
Early Closure (Applicable to accounts closed within 30 days from account opening)	PHP 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months	PHP 350.00
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 1, 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, and PNB Basilan-Isabela-Strong Blvd.

Card Replacement	PHP 150.00
Passbook Replacement	PHP 200.00
Early Closure (Applicable to accounts closed within 30 days from account opening)	PHP 500.00
Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months	PHP 350.00
Interbranch/interoffice deposit transactions*	FREE
Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*	FREE

ONE-TIME PIN (OTP)

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.

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.

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.

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”.

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.

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.

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.

What should I do if I changed my mobile number or email address?

Please update your contact details through any PNB Branch.

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.

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.

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.

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.

What is a One-Time PIN (OTP)?

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.

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.

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”.

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.

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.

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.

What should I do if I changed my mobile number or email address?

Please update your contact details through any PNB Branch.

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.

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.

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.

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.

VALID IDs

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 ITF accounts, a birth certificate or school ID of the child 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 ITF accounts, a birth certificate or school ID of the child is required.

Withdrawal on PNB ATM	None
Inquiry on PNB ATM	None
Withdrawal on Other Bank’s ATM	PHP 11.00
Inquiry on Other Bank’s ATM	PHP 2.00
BancNet POS	None
Fund Transfer to Other Banks through BancNet (IBFT)	PHP 25.00

Withdrawal on PNB ATM	None
Inquiry on PNB ATM	None
Withdrawal on Other Bank’s ATM	PHP 11.00
Inquiry on Other Bank’s ATM	PHP 2.00
BancNet POS	None
Fund Transfer to Other Banks through BancNet (IBFT)	PHP 25.00

Withdrawal	PHP 150.00
Inquiry	PHP 75.00

Withdrawal	PHP 150.00
Inquiry	PHP 75.00

PNB Top Saver Account

Balance Requirements

Ready to open an account?

Got an account already?

Got more questions?

PNB Top Saver Account

Balance Requirements

Ready to open an account?

Got an account already?

Got more questions?

How to Open a PNB Top Saver Account

How to Open aPNB Top Saver Account

Requirements for Account Opening

Requirements forAccount Opening

PNB-PAL Mabuhay Miles Debit Mastercard

PNB-PAL Mabuhay Miles Debit Mastercard

Frequently Asked Questions

DEBIT MASTERCARD

DEBIT MASTERCARD

CARD TRANSACTIONS

CARD TRANSACTIONS

PNB-PAL MABUHAY MILES DEBIT MASTERCARD

PNB-PAL MABUHAY MILES DEBIT MASTERCARD

BALANCE REQUIREMENT

BALANCE REQUIREMENT

Tiered Interest Rates

LOCAL TRANSACTION CHARGES

LOCAL TRANSACTION CHARGES

INTERNATIONAL TRANSACTION CHARGES

INTERNATIONAL TRANSACTION CHARGES

OTHER CHARGES

OTHER CHARGES

ONE-TIME PIN (OTP)

ONE-TIME PIN (OTP)

VALID IDs

VALID IDs

How to Open a
PNB Top Saver Account

Requirements for
Account Opening