How to download PNB Digital Apps

To download the PNB Digital App, follow these steps:

For Android Devices:

1. Visit the PNB website and scroll down to the “Ready to enroll” section.
2. Click on the “Get it on Google Play” icon, which will direct you to Google Play.
3. Download the app and open it to access your PNB accounts.

For iOS Devices:

1. Visit the PNB website and scroll down to the “Ready to enroll” section.
2. Click on the “Download on the App Store” icon, which will direct you to the App Store.
3. Download the app and open it to access your PNB accounts.

Alternatively:

1. Search for “PNB Digital App” on Google Play or the App Store.
2. Download the app for free.
3. Ensure your device meets the required operating system versions:
   • Android 8.0 or higher
   • iOS 15.0 or higher

The PNB Digital App allows you to ¹ ²:

• Manage your accounts and credit cards
• Transfer funds
• Pay bills
• Order checkbooks
• Access your credit card PIN
• Monitor your account balances and transactions

You can also use the app to apply for a PNB savings account with zero maintaining balance for life. Always update your device to the latest operating system version for smooth and secure app performance ².

Are there any fees for using PNB Digital apps?

Here are the fees associated with using PNB Digital apps:

• Transaction Fees
  • InstaPay: ₱10 per transaction for transfers ₱500 and below (promotional rate from July 28, 2025, to January 28, 2026), and ₱20 per transaction for transfers above ₱500
  • PESONet: ₱20 per transaction
  • Interbank Fund Transfer: ₱20 per transaction
  • Third-Party PNB Fund Transfer: Free for transfers within PNB, but ₱20 per transaction for transfers to other banks
• Other Fees
  • Bills Payment: Most billers don’t charge service fees, but some billers like Easytrip RFID (₱15) and AutoSweep RFID (₱13) have applicable fees
  • ATM Transactions
    • Balance inquiry: Free for PNB ATM cards, ₱2 for other local bank cards
    • Withdrawal: Free for PNB ATM cards, ₱15 for other local bank cards
  • Account Maintenance
    • Dormancy fee: ₱30 for Peso Regular Accounts, ₱0.50 for USD Savings accounts after 5 years of inactivity
    • Early closure fee: ₱500 for Peso Regular accounts, $10 for USD Savings accounts
• Additional Charges
  • SWIFT charges: $15-$28, depending on the transfer type and currency
  • Document retrieval fees: ₱500-₱5,000, depending on the document age
  • Statement of account fees: ₱100 for the first page, ₱10 for each additional page.

What are the security measures for this apps?

The PNB Digital App has robust security measures to protect users’ accounts and transactions. Here are some of the key security features:

• Login Security
  • Biometric Authentication: Users can enable fingerprint or face ID login for added security and convenience.
  • Password Protection: Users can set complex passwords, and the app requires password changes after a specified period.
  • Session Timeout: The app automatically logs out users after a period of inactivity.
• Transaction Security
  • One-Time PIN (OTP): A 6-digit OTP is required for transactions, adding an extra layer of security.
  • PNB Digital Key: A digital key authentication feature that allows users to complete transactions faster without waiting for an SMS OTP.
  • Two-Factor Authentication: Users can enable two-factor authentication for added security.
• Account Protection
  • Account Lockout: The app locks out users after three consecutive incorrect password entries.
  • Device Registration: Users can register their devices for secure access.
  • Account Monitoring: Users can monitor their account activity and report suspicious transactions.
• Additional Security Measures
  • End-to-End Encryption: PNB uses encryption to safeguard user data.
  • Regular Security Updates: PNB regularly updates its security protocols to ensure protection against emerging threats.
  • Anti-Virus Protection: Users are advised to install anti-virus software on their devices to scan for malware.

To further enhance security, users are advised to:

• Avoid Public Wi-Fi: Refrain from using public Wi-Fi for banking transactions.
• Keep Software Up-to-Date: Regularly update their device’s operating system and anti-virus software.
• Be Cautious of Phishing: Avoid clicking on suspicious links or providing sensitive information via email or SMS.