mobile-banking PNB Mobile Banking | PNB Banking

Benefits

PNB ONE – Just One App for Mobile Banking

Objective

PNB ONE is a unified Mobile Banking application enriched with several features providing all banking facilities at a single platform.

It allows user to perform major banking requirements through the application on 24*7 basis anywhere and anytime without visiting the branch.

It is secure application, having biometric & face authentication (iOS) along with MPIN.

Every transaction is authenticated through TPIN and OTP. UP Transaction from other bank and credit card will be UPI PIN.

Key features & benefits

Self-onboarding using Debit Card, Aadhaar credentials (For View Facility), Internet Banking credential & Branch mode

Seamless Fund transfers

Instant UPI Scan and Pay

Hassle free Recharges & Bill payments

Smart Deposit & Investment solutions

Effortless Digital Loan journeys

Completely secure and reliable

Accounts

All accounts will be displayed in an illustrative manner with enhanced UI(Savings, Deposits, Loan, Overdraft, Current Accounts & Credit Card)

mPassbook - Detailed view & downloading of account statement

Check Balances

View all bank’s accounts (Through Account Aggregator)

View PPF, SSA & SCSS

Transfer Funds

“Self” (for own accounts), “Within” (for PNB accounts) & “Other” (for non-PNB accounts).

NEFT/RTGS/IMPS/UPI for Interbank fund transfers.

Quick Fund Transfer – Within Bank/IMPS-IFSC/IMPS-Mobile No/IMPS-MMID

Indo- Nepal Remittance

Manage Beneficiaries

Check IMPS status

Liberalized Remittance Scheme (LRS)

Transfer to own & other PPF, SSA

Cardless Cash Withdrawal

UPI

Link All bank Accounts and Credit card.

Inquire all bank accounts & Credit card balance

Make Payment by scanning UPI QR

Pre-Login Scan & Pay without MPIN/Biometric or Face ID

Scan & Pay though Credit Card VPA

Pay to Mobile No/VPA

UPI Lite (Transaction without PIN)

UPI Mandate

UPI Credit Line

Generate QR Code

Approve Collect Money request

FD/RD

Open FD/RD/Flexi RD

Deposit Calculator

Track FD/RD Status

Premature FD/RD Closure

Modify TD

My Profile

Change MPIN

Set/Reset TPIN

Enable Biometrics

Update User ID

Set Account Nickname

Check/Update KYC Status

Modify Account Access

Set limits

Safety Ring

Quick view Balance on pre-login Screen

My Transaction/Upcoming Transaction

E-Statement Registration

E-Statement De-Registration

Aadhaar Registration

PAN Registration

Enable Transaction

Set SMS Banking PIN

SMS Preferred Language

About App

App Feedback

My Relationship Manager

De-activation

Digital Loans

Pre-Approved Personal Loan

Loan Against FD/RD

Digi Car Loan

Digi Housing Loan

Digital Education Loan

Digital Gold Loan

Digi MSME Loan

Digi Saarthi

GST Sahay

eGST Express

Digital KCC

Digital Dairy KCC

Krishi Tatkal Rinn

KCC Renewal/Review & DP Enhancement

Loan against MF

Tractor Xpress

PM Swanidhi

Easy Renewal Journey

PM Vishwakarma

Digi Surya Ghar

Invest/Apply

Online Mutual Funds

Insurance

ASBA/IPO

SGB

PPF

NPS

Govt. Initiatives (APY, PMJJBY & PMSBY)

Manage Debit Card

Apply for a new card

Cardless Cash withdrawal

Virtual Debit Card

Update limits of ATM withdrawal, POS/ Ecom transactions

Hotlist debit card

Generate Green Pin

Debit Card On/Off

Enable/Disable Debit Card

NCMC Recharge

Hotlist Debit Card

Manage Credit Card

Link/De link Credit Card

Link Add on Credit Card

Pay PNB Credit Card Bill

Apply new Credit card

Credit Card against FD

PQCC (Pre-qualified Credit Card)

Auto Payment Registration

Auto Payment De-Registration

Enhance card limit

Statement on e-mail

Enhance Credit Card Limit

Damaged card replacement

Reward point redemption request

New PIN request

Hotlist Credit Card

Bill Pay/Recharge

Pay Electricity, Water, Credit Card, LPG gas and various bill category

Auto pay

Redo last 10 transactions

Favourite biller.

Check transaction Status

PNB Fastag Recharge

Cheques

Inquire/View Cheque Status

Stop/Destroy Cheque

Request for Cheque book

Positive Pay Service

PNB Suraksha Authentication

Value Added Services

Prasad Seva

Spend Analyzer

PNB Shoppe

Account Debit Freeze

E-mail ID Updation & Manage Alerts

Apply for Form 15G/H

Demat Services

Change Home Branch

Balance Certificate

E-Interest/TDS Certificate

AePS Enable/Disable

Unblock Self authentication

No Dues certificate

Tax Services

GST Invoice

Locker Request

Generate pension Slip

Complaint Service Management

Raise a complaint

Track your request

Request history

Provide feedback

Digital Transaction Complaint

FAQ`s

1) What is PNB ONE?

PNB ONE is a Unified Mobile Banking application to perform financial and non-financial banking transactions at a single platform.

2)What are the features of PNB ONE?

There are various features as per mentioned below

Financial Services	Non- Financial Services
Fund Transfer	Account Journey
Fund Transfer within PNB Account Transfers to Self A/c Other Bank Transfers-NEFT/RTGS/IMPS Quick Transfer (without adding beneficiary) Pay to Contact – Within PNB/IMPS	Overview of all types of Savings, Current, Overdraft & Loan Accounts PPF, SSA & SCSS Account overview mPassbook for Account Statement Organized view of Transaction History
UPI	Cheque Services
UPI Services – UPI Registrations Pay to Mobile and Scan & Pay Approve money Generate QR Code UPI Transaction History UPI Blocking	Apply Cheque Book Inquire Cheque Status View/Stop Cheque Destroy Cheque Positive Pay Service PNB Suraksha
Bill Payments	Deposit Services
All type utility Bill Payments – Electricity, Water, Gas, Mobile Postpaid, Fastag, Loan repayment, DTH, Insurance, Municipal taxes etc. Set Autopay for Bill Payment View Transaction Status Favourite Biller	Open Fixed Deposit Open Recurring Deposit Premature FD/RD Closure Modify TD – Auto Close/Auto Renew Track FD/RD Status TDS/Interest Certificate
Digital Loan Services	Card Services
Pre-approved Personal Loan, Digi MSME Loan, Loan Against FD/RD, Krishi Tatkal Rinn, Digital KCC, GST Sahay, Easy Renewal Journey, E-GST Express, Digital Gold Loan, Digi Housing Loan, Digi Car Loan, Digital Education Loan, PM Viswakarma, KCC Renewal/Review & DP Enhancement, Digi Surya Ghar, Digi Dairy KCC, Tractor Xpress, Digi Saarthi, Loan against Mutual Fund.	Debit Card Services – Apply Debit Card, Control Limit, Generate Green PIN, Hotlist Debit card, Apply Virtual Debit card. Credit card Services – Apply Credit Card, Pay Credit Card bill, Set Credit Card PIN, Enhance Credit Card limit, Change Card Variant, Hotlist Credit Card NCMC Card – Recharge NCM Card

3) Who can register for PNB ONE?

All PNB customers with individual account, Joint account (mode of operation as E/S, F/S or Any one or Survivor) and Proprietorship account can register for PNB One.

4)I am having an ‘Either or Survivor’ account and I am survivor in the account. Can I register for PNB One using the account?

No, in case of survivor holder, having individual operative account is mandatory for registration in PNB One.

5)I have loan accounts. Am I eligible to register for PNB One using loan accounts?

Yes, loan and deposit account holders are eligible to register for the `View Facility` in PNB One..

6)Are there any charges for using PNB ONE?

PNB One On boarding/registration is free of cost. However, charges for certain services viz remittances are applicable as per bank’s guidelines being issued time to time. For more details please refer bank’s website pnb.bank.in.

7)I have different accounts in different branches; can I register mobile banking for all of them?

All the accounts opened under same Customer ID will be available by default after registration. If any of the accounts are not visible, you may visit branch and get the Customer ID updated for those accounts.

8)Can I transact through all my accounts in PNB ONE?

Transaction is allowed for all type of Operative, Loan & Deposit accounts having mode of operation as Self, E/S, F/S, Any one or Survivor and Proprietorship.

9)I have corporate account; can I register for PNB ONE?

As of now, PNB One is only available for accounts having mode of operation as Self, E/S, F/S, Any one or Survivor and Proprietorship accounts only. For corporate accounts, mobile banking can be accessed using PNB One Biz app.

10)I have not used mobile banking for long time. How can I resume using PNB mobile banking now?

User ID of mobile banking get disabled if not used for 360 days. In order to resume using PNB mobile banking, you can enable user using Debit Card/IBS Credential through Trouble Signing In on pre-login screen.

11)How Mobile Banking is a secure channel?

All the transactions which are performed through mobile banking channel are encrypted and travel to mobile banking server in secured mode. Also, SIM binding & device binding is available at every login.

12) How can I open Fixed Deposit account using PNB One?

Login into PNB ONEGo to Invest & Apply Section and Click Open FD Enter required details regarding period of FD, amount etc. FD Account will be opened successfully.

13) Can I close Fixed Deposit account pre-maturely using PNB ONE?

Yes, Login into PNBONE Click on Deposit Accounts ServicesPremature FD Closure. Select FD account to be closed and saving account number which is to be credited, enter transaction password and close the account.

14) Can I Scan QR Code & Pay through PNB One?

Yes, Scan & Pay option is available on Pre-login & Post-login i.e., Dashboard screen in PNB One.

15) I have not operated any accounts with PNB? Can I make UPI payment?

Yes, the PNB One application allows NTB (New to Bank) customers to access all UPI services on the pre-login dashboard. Customers can register and link any bank account to perform UPI transactions.

16) I have lost my phone, what should I do immediately to disable Mobile banking services?

a)Internet banking – Open Internet banking URL -https://ibanking.pnb.bank.in Choose Retail Internet BankingEnter User ID Disable Mobile/Internet Banking.
b)Call center: Dial customer care number 1800 1800, 1800 2021, 0120-2490000 for disabling mobile banking on your registered mobile number.
c)Through SMS: Type message “BLOCK MBS CUSTID” and send it to 9264092640
d)Through WhatsApp Number (9264092640): User can also disable mobile banking service by using emergency menu.

17) I have changed my mobile number; how can I change the same in PNB One?

For updating your mobile number in PNB One, you have to visit your nearest branch and submit request for updating mobile number. With new registered mobile number, you have to deactivate mobile banking by selecting “Not You” on pre-login Screen. Further for activation again, user needs to re-activate by sim verification by selecting new registered mobile number and set new MPIN after entering User ID & OTP received on changed mobile number registered with bank.

18) I have opened an account with PNB, how do I register for mobile banking?

(i)Download PNB One app from Play/App Store.

(ii)Select Registered Sim for sms verification (iii)Select Don’t Have User ID and Enter Account Number (iv)Choose option to register from: a.Registration using Debit Card b.Registration using Aadhaar OTP (Only “View” rights) c.Using IBS login Password (Only “View” rights) d.Using IBS Transaction Password (For “View & Transaction” both rights) e.Using Branch mode (v)Select appropriate option for registration as per your choice as displayed- Mobile banking or Both (Internet Banking & Mobile banking). (vi)Enter Debit Card Credential/Adhaar Card/IBS Credential as per choice. (vii)Enter MPIN/Login Password as per channel selection. (viii)Enter TPIN/Transaction Password as per channel selection. (ix)After completing above-mentioned steps, on successful registration, you will get a success message with “User id” for login. (x)Click on “Sign in” and enter mPIN or login with biometric / Face ID for login in PNB One

19) I have done registration for PNB One through Aadhaar OTP. How can I enable transaction facility?

User can enable transaction facility through Debit card, IBS Credential & through Branch mode. Feature is available in My Profile menu on post-login.

20) I am not getting OTP. What should I do?

a)Lodge your complaint at customer care number 1800 1800, 1800 2021, 0120-2490000
b)Visit nearest branch to raise complaints through BMC Portal.

21) I don’t remember my MPIN. How can I reset the same?

Please reset your password by clicking “Trouble signing in” Forgot MPINEnter PAN or DOBOTP Set new MPIN.

22) I have locked my mobile banking account. What should I do?

User gets locked out due to non-usage of mobile banking services for over 360 days or has self-blocked through various channels. User can unblock themselves by using their Debit card, Internet Banking credential, Adhaar OTP (Only View user profile) or Branch mode. Enable user functionality option is under “Trouble Sign in?” menu on the pre-login screen. Self-blocked user can enable the service after 24 hours.

23) How can I Set/Reset my TPIN in PNB One?

User can set/reset his/her TPIN using:
My Profile Set/Reset TPIN. Same can be done using:

Debit Card
TPIN through Branch
IBS Transaction Password

24) What is my User ID? How do I get it?

Default User ID is your Customer Id mentioned on front page of your Passbook. You can change the default user id. To check User ID, click “Trouble Signing-in” on pre-login screen and user Forgot user ID option.

25) Is Debit Card necessary for PNB ONE registration?

No, Debit Card is not necessary for PNB ONE registration. Online registration in PNB One can also be done using Aadhaar OTP (Only “View” rights). User can also register through IBS credential. Additionally, you may also create a registration request via Branch mode in PNB One and submit it at the Branch for activation. The activation will occur in real time.

26) Can I request Debit Card through PNB ONE?

Yes, you can enter request for Debit Card through PNB ONE. LoginDebit CardApply for new Debit Card.

27) Can I set limit the amount usage of Debit Card through PNB ONE?

Yes, you can limit the amount of cash withdrawal of Debit Card at ATM & POS/ E-Comm through PNB ONE. LoginDebit CardClick Transaction Setting to Update ATM limit/POS/E-Comm Limit.

28) Can I pay my PNB credit card bill using PNB ONE?

Yes, you can make payment of credit card bill using PNB ONE application. LoginCredit Card Services Link Credit CardAuto payment registration.

29) What are the allowed mode of operation for Cardless Cash Withdrawal?

Mode of operation allowed for Cardless Cash withdrawal are Either or Survivor, Self & Proprietorship

Fund Transfer

1)What are the limits of various transactions using PNB ONE?

You can perform transaction up to amount ?10 lakh through PNB ONE. However, default limit of PNB ONE is ? 2 lakh which can be increased up to ?10 lakh.

2)Can I send money without registering payee?

Yes, you can send money without registering Payee up to 10,000 within PNB via link “QUICK TRANSFER”. LoginFund TransferQuick TransferEnter Account number & amountEnter TPIN & OTP.

3)What are the options available for fund transfer in PNB One?

Following are the options available for fund transfer via PNB One:
1)NEFT
2)IMPS
3)RTGS
4)UPI
5)Scan & Pay
6)Within PNB Transfer
7)Transfer Fund to PPF/SSA
8)Indo Nepal remittance
9)Liberalized Remittance Scheme (LRS)

4)What is MMID? How can I know my MMID?

MMID stands for Mobile Money Identifier, it is a seven-digit unique number issued by the bank upon registration for making payments through IMPS. Remitter and Beneficiary should have this MMID for doing these interbank funds transfer. You can generate your MMID via PNB ONELoginServiceMMIDView & Generate MMID

5)If my transaction gets failed, but my account got debited. What should I do?

In this scenario, you may lodge complaint at PNB Customer Care number 1800-1800, 1800-2021 or visit your nearest branch to get the complaint raised.

6)After addition of beneficiary, how many long will it take for fund transfer?

It will take 2 hours for fund transfer after addition of beneficiary in mobile banking.

7)Can I link other bank account for UPI transaction?

Yes, you can add multiple bank accounts using the UPI menu located in the navigation below.

(i)Login in PNB One
(ii)Click UPI icon under Pay & Transfer module.
(iii)Navigate to the Account menu and click the “+” icon to add another bank account.

8)What is transaction authentication for making UPI transaction?

For Existing to Bank (ETB) users, the authentication required for UPI transactions from PNB Bank Accounts will be “TPIN”. However, for transaction amount more than amount 5000/-, authentication will be TPIN and OTP. For transactions from other banks accounts, authentication will be UPI PIN for ETB (Existing to Bank) and NTB (New to Bank) both users.

9)Can I schedule transaction for future date?

Yes, you can schedule transaction through PNB ONE. LoginFund Transfer Transfer funds to Self/beneficiary “Enable Schedule transfer”.

10)Which type of transactions can be scheduled for future?

Type of transactions which can be scheduled for future are:

i.Within Bank
ii.NEFT
iii.RTGS
iv.BBPS

11)I ‘am unable to create FDR using PNB One. How can the issue be resolved?

If customer is unable to create FDR through PNB ONE. Please check:

a)Customer should be KYC Complied (KYC due date must be correctly updated in CRM > Basic info > personal details).
b)PAN Card should not be entered as IDPRO in Identification Document Details in CRM
c)Nomination details should be properly updated.
d)Title of the customer should be properly updated in CRM.
e)All mandatory field should be available i.e. related party details viz. type & Relation code in joint account.
f)Introducer details should be properly fed in CRM.
g)For staff case, Staff id in CRM must be updated to newly allotted id series starting with "5".
h)For retired staff case - Please raise SPSD to CBS-CRM team to undelete the staff id, if Staff id is deleted.

12) I am unable to transact/login due to security reasons. What should I do?

This happens due to unusual transactions/login in mobile banking. For unblocking, please call on 1800 111 626 or visit your nearest branch to get the complaint raised through email.

Bill Payments

1)What are the facilities available under Bill Pay?

There are various billers available in Bill Pay Services – Electricity, Water, Gas, Credit Card, Insurance, Fastag, Loan Repayment, DTH, Mobile Postpaid, Broadband Postpaid etc.

2)What is the maximum limit for Bill Payment?

The maximum bill payment limit is 10 lakhs.

3)Can I schedule bill payment for future?

Yes, you can schedule bill payment using Auto Pay under Bill Pay menu. LoginBill Pay TransactionMy BillsClick Kabab menuSet up Autopay

4)Can I mark biller as favourite?

Yes, you can mark biller as favourite while making bill payment. A toggle button is available as “Yes” or “No” to mark as favourite while making bill payments.

5)I have made bill payments, but transaction is getting failed. How can I raise this issue?

You can raise complaints against transactions. This option is available under Bill Pay transaction. LoginBill Pay TransactionsMy TransactionClick Kabab menu Raise Complaint

6)How can I check transaction status of bill payment?

You can check transaction status under “Bill pay transactions” in Bill & Recharges” section. LoginBill Pay TransactionMy TransactionsClick Kabab menuRefresh Status

Do’s & Don’ts

Do not reveal password(s) or OTP over phone, e-mail etc., to any person including Bank.

MPIN, TPIN & passwords can be changed as frequently as you wish. Please change your TPIN & passwords before it gets expired or when the application prompts you to do so.

Do not click on website links/attachments in unknown/suspicious emails. These links may take you to replica of banks website and ask for keying in your user id and password(s).

Bank will never send any e-mail requesting to provide user id/password and other sensitive information.

Are you a victim of Fraud?

If you find out that your credentials of mobile banking, internet banking or debit card is compromised, please take immediate action as under to prevent any further loss and speedy recovery:

Mobile/ Internet Banking: Disable your mobile banking account immediately by visiting website
Internet banking – Open Internet banking URL -https://iretail.pnb.bank.in -> Choose Retail Internet Banking -> Enter User ID -> Disable Mobile/Internet Banking.

b.Through SMS: Type message “BLOCK MBS CUSTID” and send it to 9264092640

c.Through WhatsApp Number (9264092640): User can also disable mobile banking service by using emergency menu.

Debit Card: Block your debit card immediately. You can block debit card through mobile banking, internet banking and through SMS.

Mobile Banking: Login -> Click on Emergency -> Choose option “Hotlist Debit Card”.
Internet Banking: Login -> Value Added Services -> Emergency Service -> Debit Card Hotlisting.
Through SMS: Type message “HOTLIST Card number” and send it to 5607040.

Need Help

Website: https:/pnb.bank.in/
Mobile Banking (PNB One App): Login -> Services -> Register Complaint.
Internet Banking: https://iretail.pnb.bank.in
Email : care[at]pnb[dot]bank[dot]in
Customer care helpline Nos: 1800-1800/1800-2021/0120-2490000
SMS for blocking: Forward the Alternate Delivery Channel debit transaction SMS received on your Registered mobile number to 9264092640