PNB Debit Savings Account

It’s a regular savings account that comes with a PNB-PAL Mabuhay Miles Debit Mastercard which can be used at:

✓ Mastercard and Maestro accredited merchants ✓ over 2 million ATMs worldwide

Balance Requirements

Initial Deposit	PHP 3,000.00
Min. Maintaining Balance	PHP 3,000.00
Min. ADB to Earn Interest	PHP 10,000.00
Interest Rate	0.100% p.a.

Click to download form

Click here to apply online

Enroll on PNB Digital Banking today!

Click here for the FAQs

What are the requirements to open a PNB Debit Savings Account

1 Valid ID (primary or secondary)
Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
Initial Deposit of PHP 3,000

How to Open a PNB Debit Savings Account

1.	Download and fill-out the account opening form
2.	Visit the branch and present requirements
3.	Wait for your debit card and change PIN
4.	Enroll on PNB Digital Banking

pnb-mobile-banking-enroll-debit-card

1.	Click Sign Up and Agree to the Terms and Conditions.
2.	Choose Account Number as sign up option and enter your account details.

For existing users of PNB Mobile and Internet Banking

When signing up to PNB Digital, you may use the same User ID* or nominate a new one. Signing up using the same User ID will automatically have your saved payees and billers reflected in PNB Digital.

*Cut off dates for existing User IDs
For PNB current and savings accountholders – February 16, 2021
For PNB credit cardholders with no deposit account – April 25, 2021

pnb-mobile-banking-enroll-no-pnb-card

1.	Click Sign Up and Agree to the Terms and Conditions.
2.	Choose Credit Card Number as sign up option and enter your card details
3.	Enter the Online Activation Code (OAC) sent to your registered e-mail address.
4.	Enter the 6-digit One-Time PIN (OTP) sent to your registered mobile number.
5.	Create a User ID* and password for your PNB Digital Account.
6.	Choose a login option and view your PNB Digital Dashboard.

For existing users of PNB Mobile and Internet Banking

When signing up to PNB Digital, you may use the same User ID* or nominate a new one. Signing up using the same User ID will automatically have your saved payees and billers reflected in PNB Digital.

*Cut off dates for existing User IDs
For PNB current and savings accountholders – February 16, 2021
For PNB credit cardholders with no deposit account – April 25, 2021

pnb-digital-banking-enroll-credit-card

Ready to enroll?

Download the app now!

Frequently Asked Questions

1 Valid ID (primary or secondary)
Fully-accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
Initial Deposit of PHP 3,000

DEBIT MASTERCARD

Check balance online or via ATM
Withdraw your money from ATMs
Deposit cash via PNB Cash Accept Machines (CAM)
Transfer funds online or via PNB ATM
Pay bills online or via PNB ATM
Shop online or pay at Point-of-Sale (POS) Terminals

CARD TRANSACTIONS

Local ATMs (BancNet, Megalink, and ExpressNet)
BancNet merchants nationwide
BancNet online transactions
PNB Digital Banking
Local Mastercard and Maestro Merchants
International ATM Networks (Mastercard and Maestro)
International Mastercard and Maestro Merchants

PHP10,000 maximum ATM withdrawal limit per transaction
PHP50,000 maximum POS and ATM transaction limit per day

PNB-PAL MABUHAY MILES DEBIT MASTERCARD

PAL Transaction: PHP 150: 1 rewards point: 1 Mabuhay Mile
Non-PAL Transactions: PHP 250: 1 rewards point: 1 Mabuhay Mile

500 Mabuhay Miles (if with PAL transaction within 3 months from card issuance)

Min. Redemption of Rewards Points: Blocks of 2,000 points
Rewards Points Redemption: Call (+632) 8573 8888
Welcome Gift Redemption: Call (+632) 8573 8888

*Transactions from the following are EXCLUDED from earning reward points: supermarket/grocery stores, gasoline/petrol stations, drugstore/heathcare, casino, domestic and international cash withdrawal, and transactions lower than PHP 1,500.

BALANCE REQUIREMENT

Initial Deposit PHP 3,000.00 Minimum Maintaining Balance PHP 3,000.00 Minimum ADB to Earn Interest PHP 10,000.00 Interest Rate Dormancy Fee* *Dormancy fee shall be collected when: – There is no client-initiated transaction in the last 5 years and; – The balance falls below the required minimum maintaining balance.

LOCAL TRANSACTION CHARGES

Withdrawal on PNB ATM Inquiry on PNB ATM Withdrawal on Other Bank’s ATM Dictated by Acquiring Bank / ATM Owner Inquiry on Other Bank’s ATM Dictated by Acquiring Bank / ATM Owner BancNet POS Fund Transfer to Other Banks through BancNet (IBFT)

INTERNATIONAL TRANSACTION CHARGES

Withdrawal

* All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.

OTHER CHARGES

Card Replacement Early Closure (Applicable to accounts closed within 30 days from account opening)

Average Daily Balance (ADB) of the account falls below the required minimum monthly ADB for at least two (2) consecutive months

Interbranch/interoffice deposit transactions* Interbranch/interoffice withdrawal, on-us & off-us check encashment, fund transfer transactions*

* PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Occidental-Mindoro-Mamburao, PNB Occidental-Mindoro-San Jose, PNB Oriental Mindoro-Calapan, PNB Oriental Mindoro-Pinamalayan, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Marinduque-Boac, PNB Marinduque-Sta.Cruz, PNB Cantanduanes-Virac, PNB Masbate City, PNB Cebu-Bantayan, PNB Siquijor-Larena, PNB Boracay Station 2, PNB Davao Samal Island, PNB Camiguin-Mambajao, PNB Siargao Island-Dapa, PNB Marawi City MSU Campus (outgoing transactions only), PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Roxas, PNB Basilan-Isabela-Strong Blvd., PNB Oriental Mindoro-Bongabong, PNB Oriental Mindoro-Calapan-San Vicente West, PNB Oriental Mindoro-Pinamalayan Malvar, PNB Oriental Mindoro-Puerto Galera, PNB Oriental Mindoro-Roxas, PNB Oriental Mindoro-Victoria, and PNB Romblon-Odiongan-Liwayway.