PNB ONE stands as Punjab National Bank’s (PNB) unified mobile banking application, designed to bring a plethora of banking services right to your fingertips. This robust app is engineered to handle your major banking needs 24/7, eliminating the need for branch visits and offering unparalleled convenience and security. PNB ONE incorporates biometric and facial recognition login options for enhanced security, along with MPIN and TPIN for transaction authorization, ensuring your banking experience is both seamless and safe.
Recent Enhancements to PNB ONE
PNB ONE is continuously updated to provide an even better user experience. Here are some of the recent improvements:
Enhanced QR Scanner for Faster UPI Payments
| Location in App | About |
|---|---|
| Login/Pre-Login → Scan n Pay | The PNB ONE app now features an upgraded QR scanner with zoom in/out capabilities, a flashlight option for low-light conditions, and the ability to scan QR codes directly from your device’s gallery. |
Credit Card on UPI
| Location in App | About |
|---|---|
| Login → UPI | Users can now link their Rupay credit cards to PNB ONE UPI to make payments to merchants directly through UPI. |
Consolidated View of Bank Accounts with Account Aggregator
| Location in App | About |
|---|---|
| Login → Linked Accounts → View all bank accounts | This feature allows you to view all your accounts across different banks in one place within the PNB ONE app, providing a holistic view of your finances. |
UPI Central Mapper for Mobile Payments
| Location in App | About |
|---|---|
| Login → UPI → Send Money | Make UPI payments directly to mobile numbers with ease using the UPI Central Mapper functionality. |
Generate QR Codes for Receiving Payments
| Location in App | About |
|---|---|
| Login → UPI → Generate QR Code | PNB ONE enables you to generate your own QR codes within the app to easily receive payments from others. |
TPIN Replacing Transaction Password for Enhanced Security
| Location in App | About |
|---|---|
| Login → My Profile → Set/Reset TPIN | For a more user-friendly and secure transaction process, PNB ONE now uses a Transaction PIN (TPIN) instead of a traditional transaction password. |
UPI Payments Using IFSC and Account Number
| Location in App | About |
|---|---|
| Login → UPI → Send Money → Pay by Account and IFSC | You can now initiate UPI payments using just the recipient’s IFSC code and account number, offering an alternative to mobile-based UPI transfers. |
Scan & Pay Functionality for Quick Transactions
| Location in App | About |
|---|---|
| Login → Scan & Pay | Utilize the Scan & Pay feature to effortlessly transfer funds by scanning Bharat QR codes and UPI QR codes directly through the PNB ONE app. This is particularly useful when you want to quickly book my scan for services at locations that accept QR code payments, or for any other transactions. For any queries regarding transactions, you can always find the customer care number within the app or on the PNB website. |
e-OD Against Offline Fixed Deposits
| Location in App | About |
|---|---|
| Login → Services → Accounts → OD against FD | Customers can now conveniently avail overdraft facilities against Fixed Deposits that were opened offline at a bank branch, directly through the PNB ONE app. |
Click here for more PNB ONE Features
PNB ONE Registration Process: A Step-by-Step Guide
Enrolling in PNB ONE is straightforward and can be done directly through the app:
- New User Initiation: Open the PNB ONE app and tap on “New User”.
- Account Details: Enter your account number and choose your registration preference: Mobile banking only, or both Internet Banking & Mobile banking.
- OTP Verification: An OTP (One-Time Password) will be sent to your registered mobile number. Enter the OTP to proceed.
- Registration Method Selection: Choose your preferred registration method:
- Debit Card Registration
- Aadhaar OTP Registration
- Debit Card Details (if selected): If using a debit card, enter your card number and PIN.
- Password and TPIN Setup: Set your login password, transaction password, and Transaction PIN (TPIN).
- Successful Registration: Upon successful registration, a confirmation message with your User ID will be displayed.
- Sign In: Tap on “Sign in” at the bottom of the page.
- MPIN Setup and Login: Enter your User ID and set your MPIN (Mobile Personal Identification Number). Use these credentials to log into PNB ONE.
Frequently Asked Questions About PNB ONE
General Questions:
1) What are the prerequisites for using PNB ONE?
- You need to have an active account with Punjab National Bank.
- Your mobile number must be registered with the bank.
- You need a smartphone with Android version 6.0 or above, or iOS version 11.0 and above.
2) Who is eligible to register for PNB ONE?
- All PNB customers holding individual accounts and joint accounts (with operating modes like Self, Proprietorship, Either or Survivor, Former or Survivor, Anyone or Survivor) can register for PNB ONE.
3) Are there any charges for using PNB ONE?
- PNB ONE onboarding and registration are free of charge. However, certain services like remittances may incur charges as per the bank’s guidelines, which are updated periodically.
4) I have accounts in different PNB branches. Can I register mobile banking for all of them?
- Yes, all accounts under the same Customer ID will be automatically linked after registration. If any accounts are missing, visit your branch to update your Customer ID for those accounts.
5) Can I transact through all my accounts in PNB ONE?
- Transactions are permitted through all account types except for certain types of joint accounts, please check with the bank for specifics on your account type.
6) I have a corporate account. Can I use PNB ONE?
- PNB ONE is currently designed for retail customers only.
7) My mobile banking has been inactive for a while. How can I resume using PNB mobile banking?
- User IDs become inactive if not used for 360 days. To reactivate, use the “Trouble Signing in” → “Enable User” option. You can re-enable your User ID using:
- Debit Card details
- Aadhaar OTP
8) How secure is mobile banking?
- All transactions in PNB ONE are encrypted for secure transmission. PNB also employs SIM Binding & device binding for enhanced security.
9) How do I start using PNB ONE after opening a PNB account?
- Step 1: Download the PNB ONE app from the Play Store or App Store.
- Step 2: Tap “New User?”. Choose between:
- Registration with Debit Card
- Registration with Aadhaar OTP
- Follow the prompts, and upon successful registration, log in using your Customer ID and set MPIN.
10) Can I convert a ‘view-only’ profile to a ‘view & transaction’ profile in PNB ONE?
- Yes, you can upgrade your profile via: Pre Login → Trouble Signing in → Enable Transaction Facility. You can complete this using:
- Debit Card details
- Aadhaar OTP
11) How can I open a Fixed Deposit account using PNB ONE?
- Log in → “Services” → “Accounts” → “Open Fixed Deposit” → Enter FD details. The account will be opened instantly.
12) Can I prematurely close a Fixed Deposit account using PNB ONE?
- Yes, Log in → “Services” → “Accounts” → “Premature FD Closure”. Select the FD account, your savings account for credit, and confirm with your transaction password.
13) Can I use Scan & Pay in PNB ONE?
- Yes, after logging in, “Scan & Pay” is on the dashboard. Tap it, scan the QR code, enter the amount, and pay.
14) What should I do if I lose my phone?
- a) Online Mode: Disable mobile banking immediately at www[dot]netpnb[dot]com → Retail Internet Banking → Disable Mobile Banking.
- b) Call Center: Call customer care at 1800 1800 & 1800 2021 to disable mobile banking on your registered number.
- c) Email: Send an email to mobhelp[at]pnb[dot]co[dot]in to disable Mobile Banking due to a lost phone.
15) How do I update my mobile number in mobile banking if I’ve changed it?
- Visit your nearest branch to request a mobile number update. After the update, reactivate mobile banking with your new number: enter User ID → OTP → activate mobile banking.
16) How can I deregister from mobile banking?
- a) Net Banking Website: Go to www[dot]netpnb[dot]com → Retail Internet Banking → Disable Mobile Banking.
- b) Customer Care: Call customer care at 1800 1800 & 1800 2021 to deregister.
Registration FAQs:
1) How do I register for PNB ONE?
- Download the PNB ONE app. Ensure your mobile number is registered with your account. Tap “New User?” and choose between Debit Card or Aadhaar OTP registration. Follow the steps to set up your MPIN and User ID.
2) I’m not receiving the OTP. What should I do?
- Try these steps:
- SMS “SOTP” to 5607040.
- Contact customer care at 1800 1800 & 1800 2021.
- Email mobhelp[at]pnb[dot]co[dot]in.
3) I forgot my TPIN. How do I reset it?
- Reset via “My Profile” → “Set/Reset TPIN”. Options include:
- Debit Card
- Transaction Password
- Aadhaar OTP
- Branch visit
4) My mobile banking account is locked. What should I do?
- Accounts lock after 5 incorrect MPIN entries. Reset via “Trouble Signing-in” → “Forgot MPIN” → OTP verification → Set new MPIN.
5) What is my User ID? How can I find it?
- Your default User ID is your Customer ID, found on your passbook. You can customize it under “Update User ID”. Also, check it via “Trouble Signing In” on the pre-login screen.
6) Is a Debit Card necessary for PNB ONE registration?
- No, Debit Card is not mandatory. Registration can be done via:
- Debit Card
- Aadhaar OTP
- Visiting a branch
Fund Transfer FAQs:
1) What are the transaction limits in PNB ONE?
- You can transact up to ₹10 lakh per day. The default limit is ₹2 lakh, which can be increased up to ₹10 lakh.
2) Can I send money without adding a beneficiary?
- Yes, use “QUICK TRANSFER” for up to ₹10,000 within PNB. Log in → “Transfer” → “Quick Transfer”.
3) What fund transfer options are available in PNB ONE?
- Options include: NEFT, IMPS, RTGS, UPI, Scan & Pay, and Within PNB Transfer.
4) What is MMID? How do I find mine?
- MMID (Mobile Money Identifier) is a 7-digit number for IMPS transfers. Generate yours via PNB ONE → Log in → “Service” → “MMID” → “View & Generate MMID”.
5) What if a transaction fails but my account is debited?
- Lodge a complaint with PNB Customer Care at 1800 1800 or 1800 2021, or email mobhelp[at]pnb[dot]co[dot]in.
6) How long after adding a beneficiary can I transfer funds?
- Fund transfers are enabled 2 hours after beneficiary addition in mobile banking.
7) What’s the maximum fund transfer limit via PNB ONE?
- The maximum daily fund transfer limit is ₹10 lakh.
8) Can I schedule transactions for a future date?
- Yes, schedule transactions via Log in → “Transfer” → “Schedule any particular transaction”.
9) Which types of transactions can be scheduled?
- You can schedule all types of transactions. Log in → “Transfers” → “Regular Transfer” → Enable “Schedule this transaction button”.
Bill Payments FAQs:
1) What facilities are under Bill Pay?
- Add billers across categories like Insurance, Mutual Funds, Telecom, Electricity, Gas, DTH, and Credit Cards, and pay via PNB ONE.
2) Can I register Mutual Funds through PNB ONE?
- Yes, register and pay for Mutual Funds via Log in → “Pay Bills” → “Manager Billers” → “Add Biller”.
3) Are there charges for bill payments via PNB ONE?
- No, PNB does not charge for bill payments through PNB ONE.
4) Can I request a Debit Card through PNB ONE?
- Yes, request a Debit Card via Log in → “Debit Card” → “Apply for new Debit Card”.
5) Can I set Debit Card usage limits via PNB ONE?
- Yes, limit ATM cash withdrawals and POS/E-commerce usage via Log in → “Debit Card” → “Update ATM limit/POS/E-Comm Limit”.
6) Can I pay my PNB credit card bill using PNB ONE?
- Yes, pay your PNB credit card bill via Log in → “Services” → “Link Credit Card” → “Auto payment registration”.
Do’s & Don’ts
- Never share passwords or OTPs with anyone, including bank personnel, over phone or email.
- Change your passwords frequently, especially when prompted by the system or before they expire.
- Avoid clicking on links or attachments in suspicious emails. These may lead to fake banking websites designed to steal your credentials.
- PNB will never request sensitive information like User ID or passwords via email.
Are You a Fraud Victim?
If you suspect your mobile banking, internet banking, or debit card details are compromised, act immediately:
- Mobile/Internet Banking: Disable your account at www[dot]netbanking[dot]com → Retail Internet Banking → Enter User ID → Disable Mobile/Internet Banking.
- Debit Card: Block your debit card immediately via:
- Mobile Banking: Log in → “Emergency” → “Hotlist Debit Card”.
- Internet Banking: Log in → “Value Added Services” → “Emergency Service” → “Debit Card Hotlisting”.
- SMS: Text “HOTLIST ” to 5607040.
Reporting Unauthorized/Suspicious Transactions:
- Website: https://www.pnbindia.in/
- Mobile Banking (PNB One App): Log in → “Services” → “Register Complaint”
- Internet Banking: (accessible through the website)
- Email: [email protected]
- Customer Care Helpline: 1800-1800 / 1800-2021 / 0120-2490000
- SMS: Forward transaction SMS to 9264092640
Report a Fraud:
- Customer Care: Call PNB customer care at 1800 1800 or 1800 2021 to report fraud and obtain a reference number for tracking.
- Email: Contact care[at]pnb[dot]co[dot]in or ccmc[at]pnb[dot]co[dot]in.
