PNB TAP Mastercard Account
Enjoy all the perks of a debit account with a zero-maintaining balance account. Begin your contactless shopping, payments, and saving experience with PNB Tap Mastercard.
Why open a PNB TAP Mastercard Account
- ✓ Zero-maintaining balance
- ✓ Earn Interest*
- ✓ Earn points from select merchants which can be redeemed for Mabuhay Miles
- ✓ Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance.
* ADB must be PHP 10,000.00 to earn interest
Enjoy all the perks of a debit account with a zero-maintaining balance account. Begin your contactless shopping, payments, and saving experience with PNB Tap Mastercard.
Why open a PNB TAP Mastercard Account
- ✓ Zero-maintaining balance
- ✓ Earn Interest*
- ✓ Earn points from select merchants which can be redeemed for Mabuhay Miles
- ✓ Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance.
* ADB must be PHP 10,000.00 to earn interest
What are the requirements to open a PNB TAP Mastercard Account
- 1 Valid ID (primary or secondary)
- Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable) *Branch may request for Proof of Billing for further validation
How to open a PNB TAP Mastercard Account
How to enroll your PNB TAP Mastercard Account to PNB Mobile Banking App
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Frequently Asked Questions
- What are valid IDs I can use to apply?
Primary ID:- PhilID/ ePhilID/ Digital National ID
- Valid Passport
- Driver’s License
- 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
- Digitized TIN Card
- 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
- 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 (IRS) 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
* PNB may require additional IDs or documents for further verification.
- How much should I deposit?
- You can deposit any amount to your PNB TAP Mastercard upon opening. There is no minimum initial deposit.
- Is there a maintaining balance for my account?
- PNB TAP Mastercard does not have a minimum maintaining balance.
- Will I be charged for going below maintaining balance?
- There are no charges for going below maintaining balance. PNB TAP Mastercard does not have a minimum maintaining balance but it has a TAP account fee of PHP 15.00/month or PHP 180.00/year
- How do I get my PNB Tap Mastercard?
- Your PNB TAP Mastercard shall be available for pick up at the Branch where you opened the account. Find the nearest PNB Branch Now.
- When do I get my PNB TAP Mastercard?
- Your PNB TAP Mastercard shall be available for pick up at the Branch where you opened the account after 7-10 banking days from the date of account opening.
- Is there a fee when I close my account within one month of account opening?
- Early Closure Fee – applicable to accounts closed within 30 days from account opening is Php 500.00.
- Is there a fee when I do over-the-counter transactions in a branch that is different from where I opened my account?
- Inter-branch over-the-counter transactions (deposit,withdrawal, check encashment, and fund transfer ) are FREE except through the following branches: 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, PNB Basilan-Isabela-Strong Blvd., PNB Marinduque-Boac-D.Mercader, PNB Occidental Mindoro-San Jose-Liboro, 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.
- What is a PNB-PAL Mabuhay Miles Debit Mastercard?
PNB-PAL Mabuhay Miles Debit Mastercard features and benefits are as follows: - Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
- Enjoy a Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
- Withdraw at any BancNet 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 contactless-enabled POS machines
- How do I use my card to purchase online?
- For online purchases, simply input your card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.
- Are there local transaction charges?
- Local transaction charges are as follows:
- Can I use my card to pay online?
- To use your PNB-PAL Mabuhay Miles Debit Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions.
- Are there international transaction charges?
- International transaction charges are as follows:
- Can I withdraw my money abroad?
- Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.
- How do I receive an OTP for my transactions?
- 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-PAL Mabuhay Miles Debit Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.
- Are there fees for OTP transactions?
- OTP transactions are free of charge. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
- What to do when I don’t get an OTP for transactions?
- Expect to receive the OTP via SMS within five (5) minutes. If you do not receive the OTP, you may click the “Regenerate OTP” button to get a new one.
| 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 |
| 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.
- How do I report a lost/stolen debit card?
- You may contact PNB Customer Care immediately at (632) 8573-8888 or visit your nearest PNB Branch to report the lost/stolen card.
- Is there a fee for card replacement?
- Yes, card replacement is charged PHP 200.00
