PNB Mobile Banking: The use of mobile devices in banking is now mainstreaming. It not only saves users from standing in long queues of banks but also provides one of the most convenient ways to conduct daily business and personal transactions at their fingertips. Punjab national bank provides the facility of mobile banking services to its customers. PNB provides its customers the service of transacting with the bank from any corner of the world. Apart from the net banking facility, the bank also offers mobile banking services where you can avail yourself of multiple services through the app. Many banking functions like balance inquiry, fund transfer, bill payment, and much more can be easily performed by Punjab National Bank using net banking and mobile banking facilities.
Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions using a device such as a smartphone or a tablet. It works through the app. Mobile banking is generally available on a 24-hour basis. But some financial institutions have restrictions on which accounts can be accessed through mobile banking, as well as limits on the amount that can be transacted.
Mobile banking reduces the cost of handling transactions by reducing the need for customers to visit a bank branch for non-cash withdrawal and deposit transactions. Mobile banking does not handle cash transactions and requires the customer to visit an ATM or bank branch to withdraw or deposit cash.
Mobile banking has simplified our financial operations by providing most of the banking-related services through mobile devices like smartphones, tablets, laptops, etc. The advent of mobile banking has made processes like money transfer, payment, balance inquiry, deposit, etc.
PNB Mobile Banking Registration Process
Step 1. Download and install PNB One app on your phone from Google Play Store or Apple Store.
Step 2. After successfully downloading the app, Open the app and click on the ‘New User’ option.
Step 4. Now enter your PNB Bank account number, choose the registration channel based on your preference, and select the preferred mode of operation. It is advised to select ‘Mobile and Internet Banking Services’ and ‘View and Transaction’ respectively. Click ‘Continue’.
Step 5. An OTP will be sent to your registered mobile number. Enter the OTP in the specified field and click on ‘Continue’.
Step 6. Now enter your 16-digit Debit Card number and your ATM PIN. Then click ‘Continue’.
Step 7. You will then be asked to set the sign-in password and transaction password. You can see the policy related to passwords in the below option. Once you have confirmed both the passwords, click on ‘Submit’. Here, the sign-in password is used to log in to your account on the mobile banking app. A transaction password is required to authorize any money transaction through Mobile Banking.
Step 8. You will receive a success message on the screen with your User ID
PNB Mobile Banking Log-in Process
Step 1. After successful registration, please enter 4 digit MPIN along with your name on the home screen of your app. After successful verification, you will be redirected to the home page of the account.
Step 2. When you log in for the first time, you’ll see a pop-up window asking you if you want to set up Touch ID. If your mobile has a fingerprint scanner and you want to set it up, click on ‘YES‘.
Step 3. Now place your finger on the scanner and let the device scan it when the following prompt is displayed.
Step 4. Once your fingerprint is successfully scanned, you will see the ‘Authentication Successful’ message at the bottom of the screen. Also, you will be requested to enter the MPIN for confirmation. After that click on ‘Submit‘.
Step 5. You will see another success message to create Touch ID. Click on ‘Home‘.
Step 6. You will now see the home screen of your account with thumbnails related to all the services available by the bank.
PNB Mobile Banking Reset Process
Step 1. Open PNB One App on your mobile.
Step 2. Enter your User ID in the blank space provided and click on the ‘ Sign-In‘ button.
Step 3. When you try to Sign-In to your account, an OTP will be sent to your registered mobile number. Enter the OTP received in the space provided and click on ‘Continue‘.
Step 4. As an alternative to entering the Sign-In password, you will need to create a 4-digit MPIN to log in to the Mobile Banking App. After verifying the MPIN, click on ‘Submit‘.
Step 5. A success message will be displayed on your screen to complete the registration process.
Features of S PNB Mobile Banking
Some of the most notable benefits of the PNB mobile service are as follows. Customers can access financial, non-financial, and other value-added services from their mobile phones.
Transfer funds to other PNB account through self-transfer and third-party transfer using NEFT and IMPS.
- PNB mBanking – This is the smartphone banking app launched by PNB keeping in mind that a majority of customers are smartphone owners. With mBanking, customers have access to a number of PNB banking services such as funds transfer, account information, mini statement, balance inquiry, 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 inquiry, mini statement inquiry, 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 of facilities and services such as balance inquiry, 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 phones.
- Carry out fund transfers to other PNB accounts by way of self transfers and 3rd party transfers using NEFT and IMPS.
- Make fund transfers to non-PNB bank accounts via NEFT and IMPS. IMPS transfers can be done 24×7 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, and transaction history.
- Avail of cheque-related services such as stop payment, cheque status inquiry, and 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 an RD account.
FAQ of PNB Mobile Banking
What are the pre-requisites for using PNB ONE?
a) An active account with Punjab National Bank.
b) Mobile number registered with the Bank.
c) Smart Phone with or above Android version 5.1.0 and iOS version of 9 & above.
Who can register for PNB ONE?
All PNB customers with individual accounts and joint accounts (mode of operation either or survivor) can register for PNB ONE.
Are there any charges for using PNB ONE?
Services offered by PNB ONE are free of cost; there is no charge for using PNB ONE.
I have different accounts in different branches; can I register mobile banking for all of them?
All the accounts opened under the same Customer ID will be available by default after registration. If any of the accounts are not visible, you may visit a branch and get the Customer ID updated for those accounts.
Can I transact through all my accounts in PNB ONE??
The transaction is allowed through all accounts except accounts that are opened in “Joint” accounts.
I have a corporate account, can I register for PNB ONE?
PNB ONE is only for Retail customers.
I have not used mobile banking for a long time. How can I resume using PNB mobile banking now?
User ID and Password of mobile banking get expire if not used for 6 months.
In order to resume using PNB mobile banking, you have to reset the password: Click on Trouble Signing in > Enter Debit Card Details and reset your password. Login with a new password and you will be able to use PNB ONE again.
How Mobile Banking is a secure channel?
All the transactions which are performed through mobile banking channels are encrypted and travel to the mobile banking servers in secured mode.
How do I start using PNB ONE once I have opened an account with PNB?
Download the application- PNB ONE from the Play Store in the case of android and the App Store in the case of iOS.
Once it gets downloaded,
Click on NEW USER > Enter your Customer Id (you can find your customer id in your passbook, front page) > Enter OTP > Enter your Debit Card details & linked account number > Set your password.
Now you are registered for using PNB One.
Log in using your User id > Set four-digit MPIN and you are ready to use the application.
How can I open a Fixed Deposit account using PNB One?
Login into PNB ONE > Click on “Services” > Accounts > Open Fixed Deposit > Enter required details regarding period of FD, amount etc. The account will be opened instantly. However, the same will be visible under Deposit Accounts after 24 hours.
Can I close the Fixed Deposit account pre-maturely using PNB ONE?
Yes, log in to PNBONE> Click on Services> Accounts> Premature FD Closure. Select the FD account to be closed and save the account number which is to be credited, enter the transaction password and close the account.
Can I Scan QR Code & Pay through PNB One?
Yes, after login you will find an option of “Scan & Pay” on the Dashboard. Click on the option and scan the QR code > enter amount > make payment.
If I lost my phone, what should I do immediately?
a) Online Mode: In this scenario, please disable your mobile banking services by visiting the link www[dot]netpnb[dot]com > Retail Internet Banking > Disable Mobile Banking.
b) Call center: Dial customer care number 1800 180 2222 for disabling mobile banking on your registered mobile number.
C) Send an e-mail to mobhelp[at]pnb[dot]co[dot]in for disabling Mobile Banking on account of loss of the mobile phone.
I have changed my mobile number, how can I change the same in my mobile banking?
For updating your mobile number in mobile banking, you have to visit your nearest branch and submit a request for updating of mobile number.
With a new registered mobile number, you have to activate mobile banking again: enter your user id > enter OTP > activate mobile banking.
I want to de-register for mobile banking, what should I do?
a) Through Net Banking website: In order to de-register mobile banking, please visit website www[dot]netpnb[dot]com > Retail Internet Banking > Disable Mobile Banking.
b) Through Customer Care: Dial customer care at 1800 180 2222 for de-registering mobile banking.