PNB Digital Send Money
Why Send Money with PNB Digital?
- ✓ Safe and convenient way to send funds or to settle payments in lieu of cash or check
- ✓ Schedule your transfers for a future date or set it to repeat according to your preferred frequency
- ✓ Transfer money via QR code
- ✓ No need to wait for an SMS One-Time PIN (OTP) with the PNB Digital Key
To any PNB Account
- ✓ Real-time credit to payee account
- ✓ For transfers to other PNB accounts, a fee of P10 is charged on the 4th and succeeding transfer in a week
To other local banks and eWallets
- ✓ Send money in real-time even on weekends and holidays
- ✓ Transfer up to P50,000 per transaction, P200,000 per day
- ✓ A fee of P20 is charged per transaction For more details, click here.
- ✓ Recommended for non-urgent transfers
- ✓ Funds are received by your beneficiary within the same banking day depending on the time the transfer was made
- ✓ You can transfer up to P100,000 per transaction, P200,000 per day
- ✓ A fee of P20 is charged per transaction For more details, click here.
Send Money via QR Code
- ✓ Scan your payee’s QR code or upload an existing code saved on your mobile device
- ✓ No need to memorize or enter your payee account details
- ✓ Ensure that you are sending to the correct account number
- ✓ You can scan or upload the following QR codes:
 |
 |
| InstaPay – For transfers between PNB accounts and to other local banks and eWallets | QR Ph – For payments to online and in-store shops |
as of March 5, 2024
| INSTITUTION | PESONet | InstaPay |
|---|---|---|
| Agribusiness Rural Bank | ✓ | – |
| Al-Amanah Islamic Investment Bank (AAIIB) | ✓ | – |
| ALLBANK, INC. (A Thrift Bank) | ✓ | ✓ |
| Asia United Bank (AUB) | ✓ | ✓ |
| Australia & New Zealand Bank (ANZ) | ✓ | – |
| Banana Fintech / BananaPay | – | ✓ |
| Banco De Oro Unibank, Inc. (BDO) | ✓ | ✓ |
| Bangko Kabayan, Inc. (A Private Development Bank) | ✓ | – |
| Bangko Mabuhay (A Rural Bank), Inc. | ✓ | ✓ |
| Bangko Nuestra Senora del Pilar, Inc. (A Rural Bank) | ✓ | – |
| Bangkok Bank Public Co., Ltd. (BBPC) | ✓ | – |
| Bank of America, Nat’l. Ass’n. (BA) | ✓ | – |
| Bank of China (BC) | ✓ | ✓ |
| Bank of Commerce (BCOM) | ✓ | ✓ |
| Bank of Florida (A Rural Bank) | ✓ | – |
| Bank of Makati | ✓ | – |
| Banko, A subsidiary of BPI (BGB) | – | ✓ |
| BDO Network Bank (A Rural Bank of BDO) | ✓ | ✓ |
| Biñan Rural Bank | ✓ | – |
| BPI / BPI Family Savings Bank | ✓ | ✓ |
| Camalig Bank, Inc. (A Rural Bank) | – | ✓ |
| Cantilan Bank Inc. (A Rural Bank) | ✓ | ✓ |
| Card Bank, Inc | – | ✓ |
| Card MRI Rizal Bank, Inc. | – | ✓ |
| Card SME Bank | – | ✓ |
| Cathay United Bank Co., Ltd. | ✓ | – |
| Cebuana Lhuillier Bank / Cebuana Xpress | ✓ | ✓ |
| China Bank Savings (CBS) | ✓ | ✓ |
| China Banking Corporation (CBC) | ✓ | ✓ |
| CIMB Bank Phils., Inc. (CIMB) | ✓ | ✓ |
| CIS Bayad Center / Bayad | – | ✓ |
| Citibank, N. A. (CITI) | ✓ | – |
| City Savings Bank, Inc. | ✓ | ✓ |
| Country Builders Bank, Inc. (A Rural Bank) | ✓ | – |
| CTBC Bank (Philippines) Corp. (CCBC) | ✓ | ✓ |
| DCPAY Philippines (COINS.PH) | ✓ | ✓ |
| Deutsche Bank (DB) | ✓ | – |
| Devt. Bank of the Philippines (DBP) | ✓ | ✓ |
| Dungganon Bank (DBI) | ✓ | ✓ |
| East-West Banking Corporation (EWBC) | ✓ | ✓ |
| East West Rural Bank, Inc – KOMO | ✓ | ✓ |
| Entrepreneur Rural Bank, Inc. | – | ✓ |
| Equicom Savings Bank (ESB) | ✓ | ✓ |
| First Consolidated Bank (FCB) | ✓ | – |
| G-Xchange / GCash | ✓ | ✓ |
| GoTyme Bank | ✓ | ✓ |
| GrabPay (GBY) | – | ✓ |
| Guagua Rural Bank, Inc. (GRBank) | ✓ | – |
| HK and Shanghai Banking Corp. (HSBC) | ✓ | – |
| I-Remit/iCash | – | ✓ |
| Industrial and Commercial Bank of China (ICBC) | ✓ | – |
| Industrial Bank of Korea (IBK) | ✓ | – |
| Infoserve/Nationlink | – | ✓ |
| Innovative Bank Inc. | ✓ | – |
| Isla Bank, Inc. (IBI) | – | ✓ |
| JPMorgan Chase Bank (CHASE) | ✓ | – |
| KEB Hana Bank (KHB) | ✓ | – |
| Laguna Prestige Banking Corporation | ✓ | – |
| LANDBANK / OFBank | ✓ | ✓ |
| Lazada Wallet | – | ✓ |
| Legazpi Savings Bank | – | ✓ |
| Malarayat Rural Bank, Inc. | ✓ | – |
| Malayan Bank Savings and Mortgage Bank, Inc. (MSB) | ✓ | ✓ |
| Maya Bank, Inc. | ✓ | ✓ |
| Maya Philippines, Inc./Maya Wallet | ✓ | ✓ |
| Maybank Phils.,Inc. (MAYB) | ✓ | ✓ |
| Mega Intl Comml Bank Co. Ltd (MICB) | ✓ | – |
| Metropolitan Bank and Trust Co (MBTC) | ✓ | ✓ |
| Mindanao Consolidated Cooperative Bank | – | ✓ |
| Mizuho Bank, Ltd. (Mizuho) | ✓ | – |
| Money Mall Rural Bank, Inc. | ✓ | – |
| MUFG Bank Ltd. (Bank of Tokyo-Mits., Limited) | ✓ | – |
| MVSM Bank (A Rural Bank Since 1953), Inc. | ✓ | – |
| Netbank (Community Bank of Romblon) | ✓ | ✓ |
| New Rural Bank of San Leonardo (Nueva Ecija) Inc. | ✓ | – |
| Omnipay (OPI) | – | ✓ |
| Own Bank – PESONet | – | ✓ |
| Pacific Ace Savings Bank, Inc. | – | ✓ |
| Palawan Pay | – | ✓ |
| Partner Rural Bank (Cotabato), Inc. (PAR) | – | ✓ |
| Paymongo Payments, Inc. | ✓ | ✓ |
| Phil. Bank of Communications (PBCom) | ✓ | ✓ |
| Philippine Business Bank (PBB) | ✓ | ✓ |
| Philippine Digital Asset Exchange, Inc. / PDAX | – | ✓ |
| Philippine Savings Bank (PSB) | ✓ | ✓ |
| Philippine Trust Company (PTC) | ✓ | ✓ |
| Producers Bank | – | ✓ |
| Producers Savings Bank Corporation (PSBC) | ✓ | – |
| Queen City Development Bank (Queen Bank) | ✓ | ✓ |
| Quezon Capital Rural Bank (QCRB) | – | ✓ |
| Rang-Ay Bank, Inc. (A Rural Bank) | ✓ | – |
| RBT Bank, Inc (A Rural BanK) | ✓ | – |
| Rizal Commercial Banking Corporation/DiskarTech | ✓ | ✓ |
| Robinsons Bank Corporation (RBC) | ✓ | ✓ |
| Rural Bank of Bacolod City, Inc. | ✓ | – |
| Rural Bank of Bauang, Inc (RBBI) | ✓ | – |
| Rural Bank of Digos, Inc. (RBDI) | ✓ | – |
| Rural Bank of Guinobatan / Asenso | ✓ | ✓ |
| Rural Bank of La Paz, Inc. | ✓ | – |
| Rural Bank of Lebak, Inc. | ✓ | – |
| Rural Bank of Montalban, Inc. | ✓ | – |
| Rural Bank of Porac (Pampanga) Inc. | ✓ | – |
| Rural Bank of Rosario, Inc. (L.U.) | ✓ | – |
| Rural Bank of Sagay Inc. | ✓ | – |
| Rural Bank of San Narciso, Inc. | ✓ | – |
| Rural Bank of Silay City | ✓ | – |
| Rural Bank of Sta. Ignacia, Inc. | ✓ | – |
| SeaBank Philippines, Inc. | ✓ | ✓ |
| Security Bank Corporation (SBC) | ✓ | ✓ |
| Shinhan Bank (SHB) | ✓ | – |
| ShopeePay Philippines, Inc. | – | ✓ |
| Speedy Pay/eMango Pay | – | ✓ |
| Starpay (SPY) | – | ✓ |
| Sterling Bank of Asia (SBA) | ✓ | ✓ |
| Sumitomo Mitsui Banking Corp (SMBC) | ✓ | – |
| Sun Savings Bank (SSB) | – | ✓ |
| TayoCash Inc. | ✓ | – |
| The Standard Chartered Bank (SCB) | ✓ | ✓ |
| TOKTOKWALLET | – | ✓ |
| Tonik Digital Bank, Inc. | ✓ | ✓ |
| UCPB Savings Bank (USB) | – | ✓ |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| Union Digital Bank | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| UNObank Inc. | ✓ | ✓ |
| USSC Money Services, Inc | ✓ | ✓ |
| Veterans Bank | ✓ | ✓ |
| Wealth Bank | – | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
| Zybi Tech Inc. / JuanCash | – | ✓ |
How to send money via InstaPay
|
|
Download |
|
 |
|
Choose the funds transfer service that is right for you!
|
 |
|||||||||
| What’s the maximum amount that I can send? | Php50,000 per transaction Php200,000 daily | Php100,000 per transaction Php200,000 daily | ||||||||
| How much is the transaction fee? | Php20 | Php20 | ||||||||
| When should I use this service? | If you need to send money right away to your beneficiary. | If your beneficiary is not in a hurry and you need to send larger amounts | ||||||||
| How soon will my beneficiary receive the funds? | Funds are expected to be credited immediately to the target account even on weekends and holidays. | Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
|
||||||||
| How reliable is this service? | As long as the account number is considered valid by the receiving financial institution, the transaction will be processed. Make sure that you get the correct account details from your beneficiary. If funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution. | Funds will be credited to your beneficiary with complete and correct beneficiary account number and/or account name. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. Instances wherein final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
|
||||||||
| When will the funds be returned to me if the transaction was unsuccessful? | Allow up to 2 to 3 banking days for either the funds be credited to your beneficiary or returned to your PNB account. | The transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution. This depends on when your transfer request was made:
|
How to Send Money with PNB Digital?
I will be sending money:
1.  |
Click the Transfer button. |
2.  |
Choose your preferred source account. |
3.  |
Choose “Others PNB” as the destination. |
4.  |
Enter your receiver’s bank account details and the amount you want to send.
You have the option to schedule your transfers for a future date or set it to repeat daily, weekly, monthly, quarterly or annually.
|
5.  |
Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number Note: If you enabled the PNB Digital Key, you will no longer be required to enter an OTP. Simply tap “Approve” in the notification screen. |
6. |
View confirmation page containing details of your transaction.
|
Ready to send money?
Frequently Asked Questions
- What account/s can I use to transfer funds?
- You can use your debit, passbook, or checking account for as long as they are enrolled in PNB Digital Banking. Some deposit accounts may not be eligible as source of funds transfer transactions. Please reach out to your branch of account for more information on this.
- How much is the transfer fee per transaction?
- Transfer fee for both InstaPay and PESONet is Php20.
- How much is the limit per transfer?
- PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
- How much is the limit of transfers per day?
- Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
- Until what time can I transfer the funds?
- You can transfer money anytime. However, crediting may vary depending on the service.
- InstaPay has no cut-off time and funds are expected to be credited real-time.
- For PESONet, crediting happens during banking days. All transfer requests must be made before 3PM during banking days for same day credit to the beneficiary account.
- What are the types of transfers that can be scheduled?
- You can set a one-time or a recurring scheduled fund transfers to your own PNB accounts, other PNB accounts and other bank accounts via InstaPay.
- What are the available frequencies for recurring transfers?
- You can set your scheduled transfers to be processed daily, weekly, monthly, quarterly and yearly.
- Who are eligible to use this feature?
- You can avail this feature if you have an active eligible CASA as source account. It is important that the account status must be active and sufficiently funded to cover the amount and applicable fees at the time of the scheduled transaction processing.
- How can I monitor my pending scheduled transactions?
- To check the status of your scheduled requests, access the app, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. All pending transactions will be displayed.
- Can I still cancel my scheduled transfer? How?
- You can still cancel your request before the set scheduled date. To cancel your request, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. To cancel, either swipe left on the transaction card or tap the specific transaction, then tap the Delete icon.
- How will I know if my pending scheduled transactions were processed?
- We advise you to regularly monitor your scheduled transactions. You will receive an email notification and SMS to your registered email address and mobile number once the transaction has been processed. In case of unsuccessful transactions, we advise to transact immediately to avoid any penalty.
- How soon are funds credited to the receiving bank or eWallet?
- For PESONet transactions, your beneficiary will receive the funds depending on when the transfer request was made:
- For requests made before 3:00PM on banking days, credit is expected on the same day
- For requests made 3:00PM onwards on banking days, credit is expected on the next banking day
- For requests made on non-banking days, weekends, or holidays, credit is expected on the next banking day
- For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
- What is an Account QR Code?
- An Account QR Code is a matrix bar code generated by PNB Digital for you to be able to share your Philippine Peso-denominated account details safely.
- What can I use the QR code for?
- You may use your QR code to request money from a payee by sharing your account QR code.
- You can send money to another bank account or pay your favorite online and in-store shops by scanning or uploading QR Ph codes
- What are the benefits of having a QR code?
- Generating a QR code for your accounts will enable you to request money from anyone without having to give your account number making payments fast and secure. It also ensures that the payee will send money to the correct account.
- How can I transfer money via QR code?
- You can send money by scanning or uploading your Payee’s QR code from PNB or other financial institutions with an InstaPay logo. Fees may apply for transfers to Non-PNB accounts.
Instapay - How can I pay via QR code?
- You can pay to any in-store or online shops that have QR code with a QR Ph logo. No fees are charged for QR Ph payments.
QR Ph - How to do I generate a QR Code for my PNB accounts?
- Can I reverse my fund transfer transaction?
- Once the transaction has been successful and debited from your account, the transaction you wish to cancel cannot be reverted.
- Will there be instances for unsuccessful credit to the receiving bank or eWallet?
- For PESONet transactions, the final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
- Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
- There is a mismatch with the the beneficiary account name submitted compared to the records of the receiving financial institution
- The currency of the payee account is not a qualified PHP account
- For InstaPay transactions, if funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution.
- How will the funds be returned to me if the interbank funds transfer transaction was not credited to the receiving bank?
- For PESONet transactions, the fund transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution.
- For InstaPay transactions, allow up to 2 to 3 banking days for either the funds be credited to your beneficiary or returned to your PNB account.
- I have transferred money to the wrong account. How do I attempt to recover the funds?
- As long as a valid account number is provided, the transaction will be final and can no longer be cancelled. We encourage you to obtain the correct account information from your payee to make your transaction hassle-free.
- What should I do if my funds transfer transaction is unsuccessful?
- You can report transactional problems/errors by contacting PNB through Customer Care (+632) 8573-8888 / customercare@pnb.com.ph or visit a PNB branch near you.
Send money to a PayMaya or GCash account in just few steps
Kailangang magpadala sa Paymaya account ng kaibigan o kapamilya? Walang problema! Pwede kang mag transfer…
Send money home in spite of lockdown
The need to send money to our family, friends, and someone in need has never been this important.
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…
PNB Digital Send Money
Transfer funds to any PNB account and to other local bank accounts or e-wallets in just a few taps anytime you want.
Why Send Money with PNB Digital?
- ✓ Safe and convenient way to send funds or to settle payments in lieu of cash or check
- ✓ Schedule your transfers for a future date or set it to repeat according to your preferred frequency
- ✓ Transfer money via QR code
- ✓ No need to wait for an SMS One-Time PIN (OTP) with the PNB Digital Key
To any PNB Account
- ✓ Real-time credit to payee account
- ✓ For transfers to other PNB accounts, a fee of P10 is charged on the 4th and succeeding transfer in a week
To other local banks and eWallets
- ✓ Send money in real-time even on weekends and holidays
- ✓ Transfer up to P50,000 per transaction, P200,000 per day
- ✓ A fee of P20 is charged per transaction For more details, click here.
- ✓ Recommended for non-urgent transfers
- ✓ Funds are received by your beneficiary within the same banking day depending on the time the transfer was made
- ✓ You can transfer up to P100,000 per transaction, P200,000 per day
- ✓ A fee of P20 is charged per transaction For more details, click here.
Send Money via QR Code
- ✓ Scan your payee’s QR code or upload an existing code saved on your mobile device
- ✓ No need to memorize or enter your payee account details
- ✓ Ensure that you are sending to the correct account number
- ✓ You can scan or upload the following QR codes:
|
|
| InstaPay – For transfers between PNB accounts and to other local banks and eWallets | QR Ph – For payments to online and in-store shops |
as of March 5, 2024
| INSTITUTION | PESONet | InstaPay |
|---|---|---|
| Agribusiness Rural Bank | ✓ | – |
| Al-Amanah Islamic Investment Bank (AAIIB) | ✓ | – |
| ALLBANK, INC. (A Thrift Bank) | ✓ | ✓ |
| Asia United Bank (AUB) | ✓ | ✓ |
| Australia & New Zealand Bank (ANZ) | ✓ | – |
| Banana Fintech / BananaPay | – | ✓ |
| Banco De Oro Unibank, Inc. (BDO) | ✓ | ✓ |
| Bangko Kabayan, Inc. (A Private Development Bank) | ✓ | – |
| Bangko Mabuhay (A Rural Bank), Inc. | ✓ | ✓ |
| Bangko Nuestra Senora del Pilar, Inc. (A Rural Bank) | ✓ | – |
| Bangkok Bank Public Co., Ltd. (BBPC) | ✓ | – |
| Bank of America, Nat’l. Ass’n. (BA) | ✓ | – |
| Bank of China (BC) | ✓ | ✓ |
| Bank of Commerce (BCOM) | ✓ | ✓ |
| Bank of Florida (A Rural Bank) | ✓ | – |
| Bank of Makati | ✓ | – |
| Banko, A subsidiary of BPI (BGB) | – | ✓ |
| BDO Network Bank (A Rural Bank of BDO) | ✓ | ✓ |
| Biñan Rural Bank | ✓ | – |
| BPI / BPI Family Savings Bank | ✓ | ✓ |
| Camalig Bank, Inc. (A Rural Bank) | – | ✓ |
| Cantilan Bank Inc. (A Rural Bank) | ✓ | ✓ |
| Card Bank, Inc | – | ✓ |
| Card MRI Rizal Bank, Inc. | – | ✓ |
| Card SME Bank | – | ✓ |
| Cathay United Bank Co., Ltd. | ✓ | – |
| Cebuana Lhuillier Bank / Cebuana Xpress | ✓ | ✓ |
| China Bank Savings (CBS) | ✓ | ✓ |
| China Banking Corporation (CBC) | ✓ | ✓ |
| CIMB Bank Phils., Inc. (CIMB) | ✓ | ✓ |
| CIS Bayad Center / Bayad | – | ✓ |
| Citibank, N. A. (CITI) | ✓ | – |
| City Savings Bank, Inc. | ✓ | ✓ |
| Country Builders Bank, Inc. (A Rural Bank) | ✓ | – |
| CTBC Bank (Philippines) Corp. (CCBC) | ✓ | ✓ |
| DCPAY Philippines (COINS.PH) | ✓ | ✓ |
| Deutsche Bank (DB) | ✓ | – |
| Devt. Bank of the Philippines (DBP) | ✓ | ✓ |
| Dungganon Bank (DBI) | ✓ | ✓ |
| East-West Banking Corporation (EWBC) | ✓ | ✓ |
| East West Rural Bank, Inc – KOMO | ✓ | ✓ |
| Entrepreneur Rural Bank, Inc. | – | ✓ |
| Equicom Savings Bank (ESB) | ✓ | ✓ |
| First Consolidated Bank (FCB) | ✓ | – |
| G-Xchange / GCash | ✓ | ✓ |
| GoTyme Bank | ✓ | ✓ |
| GrabPay (GBY) | – | ✓ |
| Guagua Rural Bank, Inc. (GRBank) | ✓ | – |
| HK and Shanghai Banking Corp. (HSBC) | ✓ | – |
| I-Remit/iCash | – | ✓ |
| Industrial and Commercial Bank of China (ICBC) | ✓ | – |
| Industrial Bank of Korea (IBK) | ✓ | – |
| Infoserve/Nationlink | – | ✓ |
| Innovative Bank Inc. | ✓ | – |
| Isla Bank, Inc. (IBI) | – | ✓ |
| JPMorgan Chase Bank (CHASE) | ✓ | – |
| KEB Hana Bank (KHB) | ✓ | – |
| Laguna Prestige Banking Corporation | ✓ | – |
| LANDBANK / OFBank | ✓ | ✓ |
| Lazada Wallet | – | ✓ |
| Legazpi Savings Bank | – | ✓ |
| Malarayat Rural Bank, Inc. | ✓ | – |
| Malayan Bank Savings and Mortgage Bank, Inc. (MSB) | ✓ | ✓ |
| Maya Bank, Inc. | ✓ | ✓ |
| Maya Philippines, Inc./Maya Wallet | ✓ | ✓ |
| Maybank Phils.,Inc. (MAYB) | ✓ | ✓ |
| Mega Intl Comml Bank Co. Ltd (MICB) | ✓ | – |
| Metropolitan Bank and Trust Co (MBTC) | ✓ | ✓ |
| Mindanao Consolidated Cooperative Bank | – | ✓ |
| Mizuho Bank, Ltd. (Mizuho) | ✓ | – |
| Money Mall Rural Bank, Inc. | ✓ | – |
| MUFG Bank Ltd. (Bank of Tokyo-Mits., Limited) | ✓ | – |
| MVSM Bank (A Rural Bank Since 1953), Inc. | ✓ | – |
| Netbank (Community Bank of Romblon) | ✓ | ✓ |
| New Rural Bank of San Leonardo (Nueva Ecija) Inc. | ✓ | – |
| Omnipay (OPI) | – | ✓ |
| Own Bank – PESONet | – | ✓ |
| Pacific Ace Savings Bank, Inc. | – | ✓ |
| Palawan Pay | – | ✓ |
| Partner Rural Bank (Cotabato), Inc. (PAR) | – | ✓ |
| Paymongo Payments, Inc. | ✓ | ✓ |
| Phil. Bank of Communications (PBCom) | ✓ | ✓ |
| Philippine Business Bank (PBB) | ✓ | ✓ |
| Philippine Digital Asset Exchange, Inc. / PDAX | – | ✓ |
| Philippine Savings Bank (PSB) | ✓ | ✓ |
| Philippine Trust Company (PTC) | ✓ | ✓ |
| Producers Bank | – | ✓ |
| Producers Savings Bank Corporation (PSBC) | ✓ | – |
| Queen City Development Bank (Queen Bank) | ✓ | ✓ |
| Quezon Capital Rural Bank (QCRB) | – | ✓ |
| Rang-Ay Bank, Inc. (A Rural Bank) | ✓ | – |
| RBT Bank, Inc (A Rural BanK) | ✓ | – |
| Rizal Commercial Banking Corporation/DiskarTech | ✓ | ✓ |
| Robinsons Bank Corporation (RBC) | ✓ | ✓ |
| Rural Bank of Bacolod City, Inc. | ✓ | – |
| Rural Bank of Bauang, Inc (RBBI) | ✓ | – |
| Rural Bank of Digos, Inc. (RBDI) | ✓ | – |
| Rural Bank of Guinobatan / Asenso | ✓ | ✓ |
| Rural Bank of La Paz, Inc. | ✓ | – |
| Rural Bank of Lebak, Inc. | ✓ | – |
| Rural Bank of Montalban, Inc. | ✓ | – |
| Rural Bank of Porac (Pampanga) Inc. | ✓ | – |
| Rural Bank of Rosario, Inc. (L.U.) | ✓ | – |
| Rural Bank of Sagay Inc. | ✓ | – |
| Rural Bank of San Narciso, Inc. | ✓ | – |
| Rural Bank of Silay City | ✓ | – |
| Rural Bank of Sta. Ignacia, Inc. | ✓ | – |
| SeaBank Philippines, Inc. | ✓ | ✓ |
| Security Bank Corporation (SBC) | ✓ | ✓ |
| Shinhan Bank (SHB) | ✓ | – |
| ShopeePay Philippines, Inc. | – | ✓ |
| Speedy Pay/eMango Pay | – | ✓ |
| Starpay (SPY) | – | ✓ |
| Sterling Bank of Asia (SBA) | ✓ | ✓ |
| Sumitomo Mitsui Banking Corp (SMBC) | ✓ | – |
| Sun Savings Bank (SSB) | – | ✓ |
| TayoCash Inc. | ✓ | – |
| The Standard Chartered Bank (SCB) | ✓ | ✓ |
| TOKTOKWALLET | – | ✓ |
| Tonik Digital Bank, Inc. | ✓ | ✓ |
| UCPB Savings Bank (USB) | – | ✓ |
| Union Bank of the Philippines (UBP) | ✓ | ✓ |
| Union Digital Bank | ✓ | ✓ |
| United Overseas Bank Phils. (UOB) | ✓ | – |
| UNObank Inc. | ✓ | ✓ |
| USSC Money Services, Inc | ✓ | ✓ |
| Veterans Bank | ✓ | ✓ |
| Wealth Bank | – | ✓ |
| Yuanta Savings Bank (YSB) | ✓ | – |
| Zybi Tech Inc. / JuanCash | – | ✓ |
Choose the funds transfer service that is right for you!
|
|
|||||||||
| What’s the maximum amount that I can send? | Php50,000 per transaction Php200,000 daily | Php100,000 per transaction Php200,000 daily | ||||||||
| How much is the transaction fee? | Php20 | Php20 | ||||||||
| When should I use this service? | If you need to send money right away to your beneficiary. | If your beneficiary is not in a hurry and you need to send larger amounts | ||||||||
| How soon will my beneficiary receive the funds? | Funds are expected to be credited immediately to the target account even on weekends and holidays. | Your beneficiary will receive the funds depending on when the transfer request was made, with the following cut-offs:
|
||||||||
| How reliable is this service? | As long as the account number is considered valid by the receiving financial institution, the transaction will be processed. Make sure that you get the correct account details from your beneficiary. If funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution. | Funds will be credited to your beneficiary with complete and correct beneficiary account number and/or account name. The receiving financial institution may reject your transaction if the beneficiary account name and/or account number do not match their records. Instances wherein final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
|
||||||||
| When will the funds be returned to me if the transaction was unsuccessful? | Allow up to 2 to 3 banking days for either the funds be credited to your beneficiary or returned to your PNB account. | The transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution. This depends on when your transfer request was made:
|
How to send money via InstaPay
|
|
|
Download |
|
|
|
How to Send Money with PNB Digital?
I will be sending money:
| 1. |
Click the Transfer button. |
| 2. |
Choose your preferred source account. |
| 3. |
Choose “Others PNB” as the destination. |
| 4. |
Enter your receiver’s bank account details and the amount you want to send.
You have the option to schedule your transfers for a future date or set it to repeat daily, weekly, monthly, quarterly or annually.
|
| 5. |
Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number. Note: If you enabled the PNB Digital Key, you will no longer be required to enter an OTP. Simply tap “Approve” in the notification screen. |
| 6. |
View confirmation page containing details of your transaction. |
Ready to send money?
Frequently Asked Questions
- What account/s can I use to transfer funds?
- You can use your debit, passbook, or checking account for as long as they are enrolled in PNB Digital Banking. Some deposit accounts may not be eligible as source of funds transfer transactions. Please reach out to your branch of account for more information on this.
- How much is the transfer fee per transaction?
- Transfer fee for both InstaPay and PESONet is Php20.
- How much is the limit per transfer?
- PESONet has a limit of PhP100,000 while InstaPay has a limit of PhP50,000 per transaction.
- How much is the limit of transfers per day?
- Daily transfer limit is PhP200,000 each for both PESONet and InstaPay.
- Until what time can I transfer the funds?
- You can transfer money anytime. However, crediting may vary depending on the service.
- InstaPay has no cut-off time and funds are expected to be credited real-time.
- For PESONet, crediting happens during banking days. All transfer requests must be made before 3PM during banking days for same day credit to the beneficiary account.
- What are the types of transfers that can be scheduled?
- You can set a one-time or a recurring scheduled fund transfers to your own PNB accounts, other PNB accounts and other bank accounts via InstaPay.
- What are the available frequencies for recurring transfers?
- You can set your scheduled transfers to be processed daily, weekly, monthly, quarterly and yearly.
- Who are eligible to use this feature?
- You can avail this feature if you have an active eligible CASA as source account. It is important that the account status must be active and sufficiently funded to cover the amount and applicable fees at the time of the scheduled transaction processing.
- How can I monitor my pending scheduled transactions?
- To check the status of your scheduled requests, access the app, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. All pending transactions will be displayed.
- Can I still cancel my scheduled transfer? How?
- You can still cancel your request before the set scheduled date. To cancel your request, go to More and tap Manage Transactions. Tap Scheduled Transfer tab. To cancel, either swipe left on the transaction card or tap the specific transaction, then tap the Delete icon.
- How will I know if my pending scheduled transactions were processed?
- We advise you to regularly monitor your scheduled transactions. You will receive an email notification and SMS to your registered email address and mobile number once the transaction has been processed. In case of unsuccessful transactions, we advise to transact immediately to avoid any penalty.
- How soon are funds credited to the receiving bank or eWallet?
- For PESONet transactions, your beneficiary will receive the funds depending on when the transfer request was made:
- For requests made before 3:00PM on banking days, credit is expected on the same day
- For requests made 3:00PM onwards on banking days, credit is expected on the next banking day
- For requests made on non-banking days, weekends, or holidays, credit is expected on the next banking day
- For InstaPay transactions, the funds will immediately be credited to the beneficiary account.
- What is an Account QR Code?
- An Account QR Code is a matrix bar code generated by PNB Digital for you to be able to share your Philippine Peso-denominated account details safely.
- What can I use the QR code for?
- You may use your QR code to request money from a payee by sharing your account QR code.
- You can send money to another bank account or pay your favorite online and in-store shops by scanning or uploading QR Ph codes
- What are the benefits of having a QR code?
- Generating a QR code for your accounts will enable you to request money from anyone without having to give your account number making payments fast and secure. It also ensures that the payee will send money to the correct account.
- How can I pay via QR code?
- You can pay to any in-store or online shops that have QR code with a QR Ph logo. No fees are charged for QR Ph payments.
QR Ph - How can I transfer money via QR code?
- You can send money by scanning or uploading your Payee’s QR code from PNB or other financial institutions with an InstaPay logo. Fees may apply for transfers to Non-PNB accounts.
Instapay - How to do I generate a QR Code for my PNB accounts?
- Can I reverse my fund transfer transaction?
- Once the transaction has been successful and debited from your account, the transaction you wish to cancel cannot be reverted.
- Will there be instances for unsuccessful credit to the receiving bank or eWallet?
- For PESONet transactions, the final credit to the beneficiary account may not be successfully processed by the receiving financial institution for several reasons such as:
- Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
- There is a mismatch with the the beneficiary account name submitted compared to the records of the receiving financial institution
- The currency of the payee account is not a qualified PHP account
- For InstaPay transactions, if funds were not received by your beneficiary, it is possible there were interconnectivity issues with BancNet and the receiving financial institution.
- How will the funds be returned to me if the interbank funds transfer transaction was not credited to the receiving bank?
- For PESONet transactions, the fund transfer amount, net of transaction fee, will be credited back to your source account as soon as the funds are returned to us by the receiving financial institution.
- For InstaPay transactions, allow up to 2 to 3 banking days for either the funds be credited to your beneficiary or returned to your PNB account
- I have transferred money to the wrong account. How do I attempt to recover the funds?
- As long as a valid account number is provided, the transaction will be final and can no longer be cancelled. We encourage you to obtain the correct account information from your payee to make your transaction hassle-free.
- What should I do if my funds transfer transaction is unsuccessful?
- You can report transactional problems/errors by contacting PNB through Customer Care (+632) 8573-8888 / customercare@pnb.com.ph or visit a PNB branch near you.
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