PNB Mobile includes the smartphone app which is mBanking. Customers who do not have smartphones of data enables mobile phones can also make use of PNB’s SMS Banking or NUUP based banking service.
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 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, 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.
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 accounts 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.
- IMPS – Immediate Payment Service (IMPS) is another service which allows customers to transfer funds instantly to and from other PNB accounts. The transferred funds are credited to the beneficiary’s account instantly and this facility is available throughout the day, seven days a week, except for bank holidays and Sundays.
NEFT and IMPS Timings
| Transaction Timings | NEFT | IMPS |
| Monday – Saturday | 8:00 AM – 7:00 PM (weekdays) 8 AM – 1 PM (Saturdays) | 24×7 |
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.
