Enjoy the ease of applying for a PNB savings account
with PNB Digital Mobile Application!
Use your mobile device to apply for an account anytime and anywhere in the Philippines and enjoy zero maintaining balance for life!
Build your savings in just three steps and a few taps on your mobile device.
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Step 1Provide your personal information and a valid ID. |
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Step 2Confirm your account opening through a video call which will be scheduled by your preferred PNB branch.You can readily transact using your new Debit Account Lite with a maximum balance limit of Php 50,000 |
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Step 3You may request to upgrade to Digital Savings Account without balance limit, subject to approval of your PNB branch of account.Pick up your PNB Debit Card at your branch once available. |
Why should you open a PNB savings account?
- It’s so easy! You only need your mobile device to apply to open an account.
- Application only takes a few minutes.
- There is no required minimum opening amount and no minimum maintaining balance.
- Enroll your newly opened account in PNB Digital to monitor and manage your transactions using your mobile device.
Who can apply for an account?
This service is currently available to Filipino citizens who are residing in the Philippines. For non-Filipinos and applicants outside the Philippines, you may visit any PNB branch to assist you in opening an account.
What accounts are available?
- Debit Account Lite
- A basic, interest-bearing savings account that does not require any initial deposit and minimum maintaining balance. However, the account must be funded within 60 days after opening to avoid closure.
- Has a maximum balance of Php 50,000 and debit transaction limit of Php 20,000 daily.
- Upgradable to a PNB Digital Savings Account upon visit to branch of account, subject to branch approval.
- Open to new and existing customers.
- A debit transaction is also referred to as a Cash Out transaction. Refer to the table below for details.
- Digital Savings Account
- An interest-bearing regular savings account that is exclusively available on PNB Digital.
- Higher tiered rates will be applied to accounts with not more than two Automated Teller Machine Withdrawals AND less than P100K outward fund transfer to other Banks via PNB Digital in a month for an average daily balance (ADB) starting at Php 30,000 and above. Refer to the table below for the tiered interest rates.
- Does not require any initial deposit, minimum maintaining balance and minimum ADB to earn interest. However, the account must be funded within 60 days after opening to avoid closure.
- Comes with a physical debit card which can be picked up at the branch of account.
- Can only be availed through an upgrade from an existing Debit Account Lite account.
Please note that a customer is only allowed to have one (1) Debit Account Lite and up to two (2) Digital Savings Accounts.
Product Features
| Debit Account Lite | Digital Savings Account | |||||||||||||||
| Opening Amount | None *Your account must be funded within sixty (60) days to avoid account closure. |
None *Your account must be funded within sixty (60) days to avoid account closure. |
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| Minimum Maintaining Balance | None | None | ||||||||||||||
| Interest Rate | 0.10% p.a. | 0.10% p.a. base rate
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| Interest Crediting | Quarterly | Monthly | ||||||||||||||
| Minimum ADB to Earn Interest | Php 10,000 | None | ||||||||||||||
| Balance Limit | Php 50,000 | None | ||||||||||||||
| Daily Debit Transaction Limit | Php 20,000 | None | ||||||||||||||
| Requirements | Valid IDs | |||||||||||||||
| Cash In Transactions |
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| Cash Out Transactions |
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| Card Types | None | PNB Mabuhay Miles Debit Mastercard (available upon request) | ||||||||||||||
Frequently Asked Questions
- What is PNB Digital Mobile Account Application?
Mobile Account Application is a feature of PNB Digital which allows non-PNB accountholders and existing PNB accountholders to apply for a PNB savings account through the app. - Who can apply for an account in PNB Digital Mobile Account Application?
The service is open to Filipino citizens currently located in the Philippines, aged 12 years old and above.
For non-Filipinos and applicants outside the Philippines, you may visit any PNB branch to assist you in opening an account. - What are the deposit accounts that I can apply via PNB Digital Mobile Account Application?
All customers may apply for a Debit Account Lite which can be upgraded to PNB Digital Savings account upon visit to the branch of account, subject to approval of the branch.
Please refer to the list of available accounts mentioned above for more details.
- How do I apply for an account through PNB Digital Mobile Account Application?
- Download PNB Digital for free from the Apple App Store® or Google Play™ by typing in “PNB Digital” in the search bar.
- Have your valid ID ready, provide the required information, and confirm your account opening through a video call which will be scheduled by your preferred PNB branch.
- Allow your preferred branch to contact you within two (2) banking days to confirm the schedule of your video call.
- To upgrade your Debit Account Lite to PNB Digital Savings Account, visit your branch of account.
- Learning more about PNB Digital
- For more information on PNB Digital, please visit https://www.pnb.com.ph/digital.
- If you’re an existing user, go to Banking Services and tap Apply for an Account.
- Please refer to this list of acceptable IDs for Debit Account Lite:
- Philippine Identification Card (PhilID) issued by the Philippine Statistics Authority (PSA) under the PhilSys (PhilSys ID/EPhilID)
- Valid Philippine Passport
- Driver’s License
- Unified Multi-Purpose ID (UMID)
- Digitized Bureau of Internal Revenue (BIR) TIN Card
- SSS ID
- GSIS e-Card
- Professional Regulation Commission (PRC) ID
- Integrated Bar of the Philippines (IBP) Lifetime Membership ID
- National Bureau of Investigation (NBI) Clearance
- OFW ID
- OWWA ID
- Government Office and Government Owned or Controlled Corporations (GOCCs) ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP/SEC/IC
- Postal ID
- Persons with Disability (PWD) Identification Card
- Barangay Certification
- Birth Certificate
- Certification from National Council for the Welfare of the Disabled Persons (NCWDP)
- Department of Social Welfare and Development (DSWD) Certification
- Police Clearance
- Phil-Health ID Health Insurance Card ng Bayan
- Seaman’s Book
- Senior Citizen Card
- School ID
- Voter’s ID
- Please note that the branch may require additional IDs or documents for further verification.