Punjab National Bank offers PNB ONE, a unified mobile banking application that brings numerous features under one platform. All major banking operations can now be performed from anywhere and at any time without having to visit the branch. The app transactions are made secure through biometric authentication techniques along with MPIN. Know more about how you can access the service via an app.
1. How to register for the PNB Mobile Banking services?
Step 1: Download and install the PNB One app from the Google Play Store or Apple Store.
Step 2: Open the app and click on the ‘New User’ option.
Step 3: You will see a screen with instructions about mobile banking. Click on ‘Continue’.
Step 4: In the following screen, enter your account number, choose the registration channel based on your preference, and choose the preferred mode of operation. It is advised to choose ‘Mobile and Internet Banking Services’ and ‘View and Transaction’ respectively. Click on ‘Continue’.
Step 5: An OTP will be sent to your registered mobile number. Enter the OTP in the designated field and click ‘Continue’.
Step 6: Enter the 16-digit debit card number and your ATM PIN. Click ‘Continue’.
Step 7: You will be prompted to set a sign-in password and transaction password. You can view the policy related to password in the option below. Once you have confirmed both the passwords, click on ‘Submit’.
Here, the sign-in password is used to log into your account on the mobile banking app. The transaction password is necessary to authorise any money transactions through mobile banking.
Step 8: You will receive a success message on the screen along with your user ID as shown in the image below.
2. How to set up MPIN on the PNB Mobile Banking app?
Step 1: Open the PNB One app on your smartphone.
Step 2: Enter your user ID in the space given and click the ‘Sign In’ button.
Step 3: When you try to sign in, an OTP will be sent to your registered mobile number. Enter the OTP received in the space provided and click on ‘Continue’.
Step 4: You are required to create a 4-digit MPIN to login to the mobile banking app as an alternative to entering the sign-in password. Click ‘Submit’ once you confirm the MPIN.
Step 5: A success message will be displayed to show the completion of the registration process.
3. How to log into the PNB Mobile Banking app?
Step 1: Upon successful registration, you will see a greeting along with your name on the home screen of your app as shown in the image. Enter the 4-digit MPIN in the field. Upon verification, you will be redirected to the account’s home page.
Step 2: On the first login, a pop-up window will appear asking if you would like to set up touch ID. If your mobile has a fingerprint scanner and you wish to set it up, click on ‘YES’.
Step 3: Place your finger on the scanner and let the device scan it when the following prompt is displayed.
Step 4: Once the scan is done, you will see a message ‘Authentication Succeeded’ at the bottom of the screen. Also, you will be requested to enter the MPIN for confirmation. Now, click on ‘Submit’.
Step 5: You will see another success message for creating Touch ID. Click on ‘Home’.
Step 6: You will see the home screen of your account with thumbnails related to all the services available.
4. What are the services offered by the app?
- Access your savings, deposit, loan, overdraft, and credit card accounts.
- View the account statement and check account balance.
- Make regular money transfer to self, accounts within the bank, and accounts outside the bank.
- Make instant or scheduled transfers via NEFT, RTGS, and IMPS.
- Open a term/recurring deposit account online.
- Invest in mutual funds.
- Purchase insurance.
- View recent transactions; set instructions for recurring payments.
- Apply for a new debit card and update spending limits on the card.
- Make auto-payment registration and de-registration on your credit card.
- Scan and pay using QR code.
- Register and pay utility bills.
5. How to transfer funds using the PNB Mobile Banking app?
Step 1: Log into your account on the app to see the home screen.
Step 2: Click on the ‘Transfer’ icon in the dashboard.
Step 3: You will see three types of transfers. Select the ‘Regular Transfers’ option.
Step 4: You will see a description that says IMPS, RTGS, and NEFT transactions can be done. Click on ‘Continue’.
Step 5: You will see your name and account number on the left side and ‘Select Payee’ option on the right.
Step 6: You will see a window sliding up. If the beneficiary is not added yet, click on the ‘+’ button.
Step 7: Enter the 16-digit beneficiary account number in the field if it is a PNB account.
Step 8: If the beneficiary account is maintained with any other bank, select the ‘Other’ option on the top of the screen. Here, you have to enter the name, account number, IFSC, address, and other details to add a beneficiary.
Step 9: Agree to the terms and conditions by selecting the checkbox and click ‘Add’.
Step 10: Now, select the payee from the list of beneficiaries, enter the amount to be transferred, and add remarks if any. You can turn ON the pushbutton to schedule the payment for a future date. Click on ‘Continue’.
Step 11: An OTP will be sent to your registered mobile number. Enter the OTP to authorise the transaction.
Step 12: A success message will be displayed along with the details of the transaction, such as reference number, payer account, payee account, and the transferred amount.
6. Frequently Asked Questions (FAQs)
Q. Can I transfer funds instantly after adding a beneficiary?
A. No, you can make a funds transfer to a newly added beneficiary only after two hours on the mobile banking app.
Q. Can I set a limit on the amount I can use on my debit card via PNB One?
A. You can set a limit on the debit card usage via ATM withdrawal and e-Commerce expenses through PNB One. Just log into your account, choose ‘Debit Card’ tab, and select ‘Update ATM Limit/POS/E-Comm Limit.
Q. I have many accounts with different branches of PNB. Should I register for mobile banking separately for each account?
A. All the accounts opened under a single customer ID will be available by default upon registration for mobile banking. If you are unable to view any of the accounts, it is advised to visit the branch office and get your customer ID updated.
Q. How do I know if I am eligible for mobile banking services?
A. All retail banking customers with individual and joint accounts (with operation mode—either or survivor) are eligible to register for mobile banking services.