PNB Debit Savings Account
It’s a regular savings account that comes with 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 3,000.00 |
| Min. Maintaining Balance | PHP 3,000.00 |
| Min. ADB to Earn Interest | PHP 10,000.00 |
| Interest Rate | 0.100% p.a. |
What are the requirements to open a PNB Debit Savings Account
- 1 Valid ID (primary or secondary)
- Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
- Initial Deposit of PHP 3,000 *PNB may require additional IDs or documents for further verification.
How to Open a PNB Debit Savings Account
1. |
Download and fill-out the account opening form |
2. |
Visit the branch and present requirements |
3. |
Wait for your debit card and change PIN |
4. |
Enroll on PNB Digital Banking |
|
|
Ready to enroll?
Frequently Asked Questions
- What are the requirements for Account Opening?
- 1 Valid ID (primary or secondary)
- Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
- Initial Deposit of PHP 3,000
DEBIT MASTERCARD
- 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
- 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
- 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) PNB-PAL Mabuhay Miles Debit Mastercard Welcome Gift Terms and Conditions
- 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
BALANCE REQUIREMENT
|
Initial Deposit
|
PHP 3,000.00
|
|
Minimum Maintaining Balance
|
PHP 3,000.00
|
|
Minimum ADB to Earn Interest
|
PHP 10,000.00
|
|
Interest Rate
|
0.100% p.a.
|
|
Dormancy
|
2 Years
|
|
Dormancy Fee* |
PHP 30.00
|
|
*Dormancy fee shall be collected when:
|
|
– There is no client-initiated transaction in the last 5 years and;
|
|
– The balance falls below the required minimum maintaining balance.
|
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
|
|
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 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.
|
VALID IDs
Primary ID:
✓ PhilID/ ePhilID/ Digital National 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
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)
- 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.
Be Smarter than a Hacker
In a world full of uncertainties, you have to keep in mind that your security in any form should not be taken lightly.
Banking During Weekends
It’s a sunny Saturday and you remember you had to transact with your bank. The nearest branch from your area is closed…
Quaranthings you can Send to Show you Care
Everyone has their love language be it physical touch, words of affirmation, quality time, giving gifts, or acts of service.
PNB Debit Savings Account
It’s a regular savings account that comes with 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 3,000.00 |
| Min. Maintaining Balance | PHP 3,000.00 |
| Min. ADB to Earn Interest | PHP 10,000.00 |
| Interest Rate | 0.100% p.a. |
What are the requirements to open a PNB Debit Savings Account
- 1 Valid ID (primary or secondary)
- Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
- Initial Deposit of PHP 3,000 *PNB may require additional IDs or documents for further verification.
How to Open a PNB Debit Savings Account
| 1. |
Download and fill-out the account opening form |
| 2. |
Visit the branch and present requirements |
| 3. |
Wait for your debit card and change PIN |
| 4. |
Enroll on PNB Digital Banking |
|
|
Ready to enroll?
Frequently Asked Questions
- What are the requirements for Account Opening?
- 1 Valid ID (primary or secondary)
- Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
- Initial Deposit of PHP 3,000
DEBIT MASTERCARD
- 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
- 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
- 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) PNB-PAL Mabuhay Miles Debit Mastercard Welcome Gift Terms and Conditions
- 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
BALANCE REQUIREMENT
|
Initial Deposit
|
PHP 3,000.00
|
|
Minimum Maintaining Balance
|
PHP 3,000.00
|
|
Minimum ADB to Earn Interest
|
PHP 10,000.00
|
|
Interest Rate
|
0.100% p.a.
|
|
Dormancy
|
2 Years
|
|
Dormancy Fee* |
PHP 30.00
|
|
*Dormancy fee shall be collected when:
|
|
– There is no client-initiated transaction in the last 5 years and;
|
|
– The balance falls below the required minimum maintaining balance.
|
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
|
|
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 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.
|
VALID IDs
Primary ID:
✓ PhilID/ ePhilID/ Digital National 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
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)
- 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.
Be Smarter than a Hacker
In a world full of uncertainties, you have to keep in mind that your security in any form should not be taken lightly.
Banking During Weekends
It’s a sunny Saturday and you remember you had to transact with your bank. The nearest branch from your area is closed…
Quaranthings you can Send to Show you Care
Everyone has their love language be it physical touch, words of affirmation, quality time, giving gifts, or acts of service.