PNB offers online banking facilities to its customers for various banking related products and services. Customers of PNB can access net banking services right from their homes or offices, sitting where they are. Through PNB net, customers can make online transactions as well as monitor their PNB savings bank account from anywhere. Other pnb online services offered by PNB include online opening of accounts, credit card payments, utility bill payments, etc. Punjab National Bank also offers internet banking services to its NRI customers.
Register PNB Net Banking Online
The step-by-step procedure to register or activate for the net banking facilities for Retail and Corporate users are mentioned below:
- You must visit the internet banking page for Retail Users (https://www.pnbindia.in/retail-Internet-banking.html).
- Click on ‘Internet Banking Login’.
- On the next page, click on ‘New User?’.
- Enter your account number and select the Registration Type. Select ‘Register for Internet banking’. Click on ‘Verify’.
- Next, enter the ‘Type of Facility’. You will receive an OTP on your registered mobile number. Enter the OTP and click on ‘Continue’.
- Next, enter the debit card number and the ATM pin. Click on ‘Continue’.
- Next, you must set the Login and Transaction password. Both passwords must be entered twice. However, Login and Transaction passwords cannot be the same.
- Next, agree to the terms and conditions and click on ‘Complete Registration’.
- On the next page, a success message will be displayed on the screen with your User ID. Make a note of the User ID.
- You will be able to login immediately. However, it will take 24 hours to 48 hours for you to access various banking facilities.
Corporate Users will only be able to activate or register for the net banking facilities via the bank branch. They will have to download the PNB – 1212 form and submit it at the bank to access the net banking facilities. Once the form is submitted, you will receive the Corporate ID, Administrator ID, and password immediately.
- The Corporate ID is the same for the Admin User as well as other users and identifies the corporate.
- The administrator handles all activities such as completion of transactions as well as creating other users.
Reset PNB Internet Banking Password
The step-by-step procedure to reset the PNB net banking portal password is mentioned below:
- You must visit the login page of the net banking facility.
- Enter the User ID and click on ‘Continue’.
- Next click on ‘Forgot Password?’.
- Enter the User ID and click on ‘Submit’.
- You will receive an OTP on your registered mobile number. Enter the OTP and click on ‘Continue’.
- Next, enter the debit card number, the linked account number, and the ATM Pin. Click on ‘Continue’ once the details have been entered.
- On the next page, you will need to reset the password. You can either change the Login or Transaction passwords or both. The password that is being changed must be entered twice.
- Click on ‘Continue’.
- A success message will be displayed on the screen. You will be able to access various banking facilities by using the new password.
PNB Net Banking Login
The step-by-step procedure to log in to the internet banking portal for Retail and Corporate users is mentioned below:
- Visit the net banking portal for Retail Users.
- Enter the User ID and click on ‘Continue’. The User ID and the Customer ID will be the same.
- Next, enter the Login password and click on ‘Login’.
- Accept all the terms and conditions.
- An OTP will be sent to your registered mobile number. Enter the OTP and submit.
- Next, you must select 7 questions out of the 50 security questions that are available. Click on ‘Register’.
- Select an image and write the relevant phrase. Click on ‘Submit’ to login.
- Visit PNB’s net banking portal and click on ‘Corporate User’.
- The Corporate Admin will need to use his/her Corporate ID, Admin User ID, and password to log in, while other users will need to use the User ID and Login password.
- In case of the first login, the OTP that is sent to the registered mobile number of the Admin must be entered.
- Next, you must set up seven security questions, the phrase, and the image.
- In the case of the first login, Users must change the password.
Money Transfer on the PNB Net Banking Portal
PNB account holders must first add the account they are transferring the money to as a beneficiary. The procedure to add a beneficiary is very simple and can be completed on the net banking portal. The step-by-step procedure that must be followed by Retail Users and Corporate Users is mentioned below:
Transfer of funds to your Own Account
Retail Users and Corporate Users
- Log in to the net banking portal.
- Click on ‘Transactions’ and then ‘Own Accounts’.
- Next, you must select the account from where the money will be transferred from and the account where the money will be transferred to from the respective dropdown boxes.
- Next, enter the amount and click on ‘Continue’.
- Next, enter the transaction password and click on ‘Submit to complete the payment.
Transfer of Funds to another PNB accounts
Retail Users and Corporate Users
- Log in to the net banking portal.
- Click on ‘Transactions’ and then ‘Within PNB’.
- Select the account the money must be transferred from and the beneficiary the amount must be transferred to from the respective dropdown boxes. In case no beneficiary is added, you must add one from the option that is provided.
- Next, enter the amount.
- The transaction date will be the current date by default. You can change the transaction date in case of future payments.
- In case the transaction needs to be completed several times, the frequency of the transaction can be selected. The frequency can be selected as daily, weekly, monthly, quarterly, half-yearly, or yearly. You must enter the number of instalments.
- Click on ‘Continue’.
- On the next page, enter the transaction password and click on ‘Submit’ to complete the transaction.
Transfer to Other Bank Accounts via NEFT/RTGS/IMPS
- Log in to the net banking portal.
- Click on ‘Transactions’ and then ‘NEFT/RTGS/IMPS’.
- Next, select the account the amount must be transferred from and the beneficiary the amount must be transferred to. Add a beneficiary in case one is not added.
- Enter the amount.
- Next, you must select the date the transaction must be made. By default, the current date will be the transaction date.
- Next, choose the frequency of the transaction. It can be daily, weekly, monthly, quarterly, half-yearly, or yearly.
- Next, click on ‘Continue’.
- On the next page, enter the transaction password and click on ‘Submit’ for the completion of the transaction.
Corporate users can transfer funds only via NEFT/RTGS. The procedure is the same that Retail users follow, but Corporate users will not have the IMPS option available.
Transaction Limits on PNB Internet Banking
The daily transaction limits for transfers via IMPS, NEFT, and RTGS are mentioned below:
PNB account holders can transfer funds of up Rs.50,000 on a daily basis. The charges per IMPS transfer is Rs.5 plus GST.
|Amount that is transferred||Charges|
|A maximum of Rs.10,000||Rs.2.50 plus GST|
|Above Rs.10,000 to Rs.1 lakh||Rs.5.00 plus GST|
|Above Rs.1 lakh to Rs.2 lakh||Rs.15.00 plus GST|
|Above Rs.2 lakh||Rs.25.00 plus GST|
|Time of Transfer||Time-varying charges per transaction||Charges|
|From||To||From Rs.2 lakh to Rs.5 lakh||Above Rs.5 lakh|
|8:00||11:00||No charges||Rs.25 plus GST||Rs.50 plus GST|
|After 11:00||13:00||Rs.2||Rs.27 plus GST||Rs.52 plus GST|
|After 13:00||16:30||Rs.5||Rs.30 plus GST||Rs.55 plus GST|
|After 16:30||Rs.10||Rs.30 plus GST||Rs.55 plus GST|
Payment of Credit Card Bill on the PNB Net Banking Portal
PNB account holders can pay their credit card bills easily on the net banking portal. However, the credit card must be tdnked to their account. PNB customers can also opt for the auto-debit facility to pay their credit card bills as well. However, under this facility, either the minimum amount or the total amount that is due can be paid. PNB customers must also fill the request form in order to avail this facility.
PNB account holders can also pay various credit card bills by using the NEFT facility. However, the credit card must be added as a beneficiary. Under this facility, you must enter the credit card number as the account number and IFSC code must also be entered. However, individuals will be able to transfer funds via NEFT only on bank working days.
Services Offered Under PNB Internet Banking
With PNB internet banking, customers can carry out various financial services online, without having to actually visit the bank. Most of these services can be carried out in a matter of a few seconds.
Some of the financial services offered online are:
Online Opening Of Accounts:
- Fixed Deposit and Recurring Deposit - FD and RD accounts can be opened online using PNB internet banking.
- Closure of FD Account - Online banking services of PNB can also be used to close an FD account with the bank.
- Opening of PPF Account - You can open a PPF account using the internet banking facilities of Punjab National Bank.
Utility Bill Payments:
PNB customers can pay utility and other bills without any hassle with the help of bill payment facility of PNB online. Bills for services such as electricity, telephone, mutual fund investments, credit card bills, etc. can be paid using PNB internet banking.
You can even make your tax payments via the internet banking facility of PNB.
- Statement of Account – You can view your account statement that displays all your transaction details. The statement of account can be accessed online.
- Transaction History – PNB gives online access to your account’s transaction history. This enables you to have an idea of the transfers made, funds received or sent, etc.
- Nomination Details – Customers can also view nomination details of the account online.
Cheque Related Services:
- Raising Cheque Book Request – PNB internet banking users can raise a cheque book request by simply logging on to the net banking webpage of the bank.
- Cheque Status Inquiry – Through net banking, you will be able to find the status of the cheque issued by you.
- Stop Payment of Cheque – If you want to stop payment of a cheque issued by you, you do not have to visit the branch or make numerous calls. This facility can also be availed online.
Offline Service Requests:
Certain offline service requests can also be made online via the bank’s net banking facility. They are:
- If you are looking at changing your credit card limit, you can do that in a jiffy through PNB internet banking.
- Redemption of reward points earned on your credit card is also possible through the bank’s website.
- PNB customers can also renew their FD accounts as well as break them whenever they want to.
- E-statement registration can also be done using net banking facilities of the bank.
- There are various other bank products that can be applied to, via PNB’s internet banking web page.
PNB Netbanking FAQs
No, you are required to have an account with PNB in order to register with the internet banking services.
The user ID for availing PNB’s internet banking services is your customer ID, once your account has been registered for this facility. The customer ID can be found on your bank’s passbook.
After you request for an internet banking password, it takes about six working days to reach the branch. An SMS is sent to the registered mobile number of the account. If you are registering online, you can set the password on your own.
If you are travelling outside India, you can register for PNB internet banking services online through their website.
Yes, even NRI customers are eligible for internet banking services of PNB.
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