How to Register for PNB Mobile Banking App?
To register for Punjab National Bank's mobile banking app, it is important to register your mobile number with the bank first. If you have already registered your mobile number, you can directly register the mobile banking services on the app.
If you haven't updated your mobile number, you easily do so by visiting PNB's branch and submitting a request to update your mobile number. After your phone number has been registered with the bank, you can follow these steps to activate the mobile banking services:
Learn more about PNB SMS Banking, PNB Net Banking
Step 1: Install the PNB ONE app on your smartphone.
Step 2: Click on the ‘New User’ option.
Step 3: Enter your account number and choose the appropriate registration option (mobile banking and internet banking) from the list.
Step 4: You will receive an OTP on your registered mobile number. Enter the OTP.
Step 5: Select a registration option from:
- Registration using Debit Card
- Registration without Debit Card
Step 6: To register using a debit card, enter the card number and PIN.
Step 7: To register without a debit card, enter information about your savings account and answer security questions.
Step 8: Create a password and TPIN.
Step 9: Once you complete the preceding steps, you will receive a confirmation message along with your user ID.
Step 10: Click on the ‘Sign in’ option.
Step 11: Create your MPIN and enter your user ID.
Step 12: Access PNB ONE using these login details.
How to Reset PNB ONE Password?
To reset your password on PNB ONE, follow the steps mentioned below:
Step 1: Click on the ‘Trouble Sign-in' option.
Step 2: Click the ‘Forgot Password’ option.
Step 3: Enter your user ID and additional information including the account number, linked debit card, and debit card PIN.
Step 4: Continue by entering a new password.
How to Reset MPIN?
The MPIN is a 4-digit security code which must be set by the user when registering for the mobile banking services on the app. Since it is meant for secure m-banking sessions, it is advisable to change the MPIN frequently.
PNB's MPIN can be changed easily through the app. The user can launch the app and log in using his/her credentials. After that, the customer can visit the menu bar on the app and select the 'Change MPIN' options.
The current MPIN has to be entered in the relevant field, after which the new MPIN can be set and confirmed. After completing this process, you can login using your new MPIN.
List of mobile apps from Punjab National Bank:
PNB Verify |
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PNB We Care |
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PNB One |
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PNB mPassBook |
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PNB Genie |
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BHIM PNB |
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PNB Bharat QR Merchant |
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Bhim Aadhaar PNB |
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Mosambee PNB |
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PNB Financial Literacy |
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PNB Mobile Banking Fund Transfer Options:
- NEFT - National Electronic Fund Transfer (NEFT) is a national electronic payments system which allows PNB customers to quickly and securely transfer funds. Not only can funds be transferred between other PNB saving account but also to other non-PNB accounts as well. The bank has specified batches of NEFT transfers that are carried out at specified timings during the day and week.
NEFT and IMPS Timings
Transaction Timings | NEFT | IMPS |
|---|---|---|
Monday - Saturday | 8:00 AM - 7:00 PM (weekdays) 8 AM - 1 PM (Saturdays) | 24x7 |
NEFT and IMPS Charges
Transaction Charges | NEFT | IMPS |
|---|---|---|
Up to Rs 10,000 | Rs 2.50 + Service Tax | Rs 5 + Service Tax per transaction. |
Above Rs 10,000 and up to Rs 1 lakh | Rs 5 + Service Tax | |
Above Rs 1 lakh - up to Rs 2 lakh | Rs 15 + Service Tax | |
Above Rs 2 lakh | Rs 25 + Service Tax |
PNB Customer Care No:
Customers who may have any queries regarding PNB Mobile banking can contact PNB's customer care at their toll free numbers which are 1800-180-2222 and 1800-103-2222.
Features of Punjab National Bank Mobile Banking:
- PNB mBanking - This is the smartphone banking app launched by PNB keeping in mind that a majority of customers re smartphone owners. With mBanking, customers have access to a number of PNB banking services such as funds transfer, account information, mini statement, balance enquiry and more over a secure medium
- PNB SMS Banking - For customers without a smartphone or data services on their mobile phone can also have access to a range of PNB Mobile services via SMS Banking. Via SMS Banking they can avail services such as balance enquiry, mini statement enquiry, requesting for an account statement, stop payment instructions on a cheque, request for a new cheque book, generate the 7-digit MMID, transfer funds, make IMPS fund transfers, change their SMS Banking password, etc.
- NUUP Banking - This is a USSD based mobile banking service where customers can avail a number of basic banking services and facilities by pressing *99# from their mobile phone and choosing from a number of options. Via NUUP based banking, customers can avail facilities and services such as balance enquiry, mini statement, fund transfer using MMID and IFSC, generate the MMID or change their M-Pin.
Benefits of PNB Mobile Banking:
Some of the most notable benefits of the PNB Mobile service are as follows. Customers can make use of financial, non-financial and other value added services from their mobile phone.
- Carry out fund transfers to other PNB account by way of self transfers and 3rd party transfers using NEFT and IMPS.
- Make fund transfers to non-PNB bank accounts via NEFT an IMPS. IMPS transfers can be done 24x7 except on bank holidays)
- Make utility bill payments quickly and easily for a number of services such as mobile bill payments, data cards, DTH connections, insurance premiums and much more.
- Monitor your bank account details such as account statement, nomination details, transaction history.
- Avail cheque related services such as stop payment, cheque status enquiry, raise a request for a new cheque book.
- Avail offline bank services such as applying for a variety of products offered by the bank.
- Other value added services available via mobile banking include password reset and online registration for debit card holders and retail internet banking users.
- Set instructions for recurring transactions such as automatic debit to a RD account.
Upgradation of PNB One Mobile Banking Application:
Here is the list of recent upgradations of PNB One Mobile Banking Application:
- Registration using Aadhar OTP: This option enables users to get onboarded using Aadhar OTP. This option also provides various other services such as Rest TPIN, enabling users, and setting limits.
- Replacement of Transaction Password using TPIN: This service makes the application user friendly and convenient.
- UPI Payment Using IFSC And Account No: This option enables users to use IFSC and account number to UPI payment.
- Pre-Qualified Credit Card: Customers eligible for credit cards can avail themselves of PNB One application.
- Scan and Pay: Fund transfer can be availed by the customer using Bharat QR code & UPI QR code through PNB One
- PNB One Registration Without Debit Card: Registration for PNB One mobile application can be done without using debit card just by answering security questions related to the account for authentication.
- E-OD Against Offline FD: Customers can avail themselves of overdraft facility against the fixed deposit opened at the branch through this option.
- Pre-Approved Personal Loan: Customers from all central government, state government, or PSU employees can vail themselves of instant loan through OTP and few clicks.
- PNB One for Sole Proprietorship Accounts: Customers can self-register for PNB One even after having sole proprietorship Account (Constitution Code 011) using this option.
Services available on PNB ONE:
The following is the list of services offers by PNB One mobile application:
Invest funds:
- Insurance
- Mutual funds
- Open term and recurring deposit
- Closure of FD prematurely
Transactions:
- Scheduling transactions
- Recurring transactions
- Viewing recent transactions
- Tracking recently added payees in ‘My Favorite Payee’
Fund transfer:
- Quick transfer without adding beneficiary
- Indo- Nepal Remittance
- NFFT, RTGS, IMPS, or UPI transactions
- Regular transfer
- Transfer for self, within or for others
- IMPS using MMID
Account-related activities:
- Checking account balance
- Tracking account statement
- Other account related information, such as deposits, cards, savings, current, loan, or overdraft
Managing cards:
- Applying for new debit or credit cards
- Changing card limit for withdrawals, online transactions, etc.
- Registration for auto payment for credit card
- Link or de-linking of credit cards
- E-statement
- Replacement of damaged card
San and pay:
- Makes payment through account effortless by linking your cards once
- Directly making payment by scanning QR codes
- UPI (Unified Payment Interface) transactions:
- De-registration of user
- Transaction history
- Collecting or sending fund through UPI
- Complaint management
Cheques:
- Request for cheque book
- Viewing of stopping cheque books
- PNB Suraksha
- Enquiry of status of the cheque
M-Passbook:
- Account statement can be downloaded in PDF format
- Account statement can be viewed
Recharges or utility bill payments:
- Making payment to the registered billers directly
- Payment to registered biller for electricity, DTH, telecom, credit card, mutual fund, insurance, etc.
Languages:
- The application is available in Hindi and English
Valued Added Services:
- Updating of email address
- Registration of Aadhar or PAN
- Registration and de-registration of e-statement
- Applying for locker
- Applying for government schemes, such as Pradhan Mantri Jeevan Jyoti Yojana and Atal Pension Yojana
- MMID and last 10 SMS
- Transferring amount and linking PPF account
- Downloading or viewing e-certificate of loan or deposits
- Setting transaction limits or addition of beneficiaries
Complaint management:
- Tracking service request, complains, and raising complaints
- Requesting history
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
FAQs on PNB Mobile Banking
- Can I Scan QR Code and pay through PNB One?
Yes, PNB One mobile application enables users to scan and pay directly. Users can click on the ‘Scan & Pay’ on Dashboard, scan the QR code, enter the amount, and make the payment.
- How can I get my user ID?
The default user ID for PNB One application is your Customer ID which is provided in your passbook. But if you wish to change the user ID, then you can do that by clicking on ‘Update User ID’ option.
- What to do if the mobile banking account is locked?
In case you enter the MPIN of your PNB One application incorrect for five consecutive times, then your account will be locked. To unlock your account, you need to click on ‘Trouble Signing-in Reset MPIN’ and enter the OTP received on registered mobile number to set a new MPIN.
- Can I open a Fixed Deposit account using PNB ONE?
Yes, you can open a fixed deposit account through PNB One mobile banking application by clicking on ‘Services’ option. Under this option, click on ‘Accounts’, then ‘Open Fixed Deposit’, and enter the amount and other required details to open the account instantly. The account can be viewed after 24 hours of opening.
- Can I register mobile banking for all of the different accounts in different branches that I have?
All the accounts opened under the same customer ID will be by default available in your PNB One application. You can reach out to the nearest branch, in case the accounts are not visible in your application.
- How can I link my mobile number to my PNB Bank account?
You need to visit the PNB branch or PNB ATM to link your mobile number to your PNB account.
- What happens if I change my mobile number?
In case you change your mobile number, then you need to visit the nearest PNB branch and update your mobile number. After updating with the bank, re-install the PNB ONE app in your mobile and register with the new mobile number.
- Are there any charges for using PNB ONE?
No, there are no charges involved in PNB ONE registration or onboarding. Customers may be charged for some specific services as per the bank’s guidelines.
- Can I transact through all my accounts in PNB ONE?
Yes, you transact through all accounts in PNB ONE application, except the Joint accounts.
- What are the pre-requisites for using PNB ONE?
The pre-requisites for using PNB ONE are an active Punjab National Bank account; active registered mobile number; and a smart phone with iOS version of 11.0 & above and Android version 6.0 and above.
- Who is eligible to register for PNB ONE?
PNB ONE registration is open to all PNB customers holding individual and joint accounts.
- How secure is PNB mobile banking as a channel?
All transactions made via the mobile banking channel are encrypted and sent to the server in a safe way. Additionally, the bank has introduced SIM Binding and device Binding to increase security via mobile banking.
- Can individuals holding corporate accounts register for PNB ONE?
No, only retail customers can register for PNB ONE.
- What are the limitations on different PNB ONE transactions?
With PNB ONE, you can conduct transactions up to Rs.10 lakh. While you can increase it to a maximum of Rs.10 lakh, PNB ONE's default limit is Rs.2 lakh.
- Can PNB ONE be used to register my mutual funds?
Yes, you can use PNB ONE to register mutual funds as well as make payments.
