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Brief Guide For PNB Net Banking

PNB provides two different types of net banking services – Retail internet banking and corporate internet banking to accommodate different groups of users. Its e-services such as PNB Aadhaar Pay, PNB kitty, PNB Yuva, money transfer services, and others can be used through net banking. The PNB Mobile Banking feature allows customers to manage the account online anywhere anytime with a just few taps. Use PNB Net Banking for secure online payments.

PNB Net Banking

PNB Net banking is a simple, easy and fast way of banking. The PNB retail internet banking service is available for all the customers with a valid PNB Banking Account . Even the NRI customers can avail the service.

Online banking services can be categorized into financial, non-financial, and value added services. The financial services that can be availed using the PNB retail internet banking service are fund transfer within the PNB accounts, third party fund transfer, transfer funds to accounts in other banks 24/7 using the IMPS service, open a recurring deposit or a fixed deposit, PPF account, closure of a fixed deposit account, manage credit card such as pay the credit card bill, pay utility bills associated with the registered billers, e-tax filing. Visiting the bank for non-financial services is time-taking and many of them wish to manage online.

The non-financial services that can be accomplished using the PNB Net banking services are:

view the statement related to the account, nomination details, history of transactions, make a request for cheque book, stop the cheque payment process, enquire the status of the cheque payment, increase or lower the credit card limit, redeem credit card reward points, renew fixed deposit, and make a request for utilizing any of the bank’s services or products.

Some of the value-added services available with the retail online banking services are online registration for internet banking services, organize transactions as per the requirement at a chosen date, give standing instructions for repeated transactions such as payment of RD, utility bills, View the details related to TDS, register for PMSBY, Aadhar, and PMJJBY, create new password for the online banking account, file the income tax online, register for mobile banking services, change the transaction limit for the credit card.

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Corporate Internet Banking

Another interesting banking service from PNB Corporate Internet Banking service available for PNB corporate customers. Registering for corporate internet banking services is simple and easy. The user will be given online access to the account instantly after submitting the form. Using the Internet banking services, corporate can easily add or remove the beneficiary accounts, transfer funds to other bank accounts as well as to those within PNB, manage the recurring transactions by setting a standing instruction, pay bills including the different types of taxes, make donations, undertake share trading and pay tuition fees at registered educational institutions.

Security measures employed by PNB for secure internet banking

To ensure high security of their internet banking account, customers can set the login time during which they wish to access the site to manage the transactions. An intruder trying to access the site at other times will be unsuccessful in accessing the site. The addition of beneficiaries to whom the customers wish to make payments can be done very easily. The customer is also provided the option to set the limits at various levels i.e. the user levels, account level, type of transactions and the number of beneficiaries to be added and others. To confirm the transaction, the customer has to provide the one-time password or use the digital certificate. To ensure high security, PNB uses a high-level of security, especially for the corporate banking customers. The customer has to set the image, choose seven challenging questions and a phrase.

All the interactions between the bank website and the customer are encrypted making it hard for hackers to intercept the passwords or other confidential details.

PNB Net Banking Registration & Login

Customers with a valid PNB account and a debit card can register for retail internet banking services. After accessing the bank website choose the option of retail internet banking. Then click, New User.

PNB Net Banking registration


PNB Mobile App RegistrationChoose the mobile banking or internet banking or both the options as per the requirement. The customer will then be prompted to enter the account number. Click verify. choose the type of facility required i.e. if the customer would like to only view the transactions or also make transactions. Customers who choose the view only option can obtain the transaction facility later by submitting the request.

PNB retail net banking

After providing the account number, one-time password (OTP) will be sent to the registered mobile number of the customer. After providing the confirmation by entering the OTP received, the customer is prompted to enter the debit card number and ATM PIN. Now, as a final step, the customer is asked to set the login ID and the password to be used for making the transactions online. After completion of the registration, a message confirming the registration process along with the User ID is displayed on the screen.

Corporate customers can register for the corporate internet banking services by submitting the form PNB-1212 at any of the PNB branches.

Customers with only the view facility can upgrade for the transaction facility by submitting a request. To make the request, the customer has to login the internet banking account, click the Request option. Choose the option request for transaction password. Enter the required details such as the User ID and address to obtain the transaction password. The transaction password will be created electronically at Head Office and will be mailed to the customer at the specified address. After receiving the password the customer can use the password after activating it. To activate the password, login the internet banking account, choose the option Request for activation of Transaction password. Click submit and the password would be activated within 24 hours of submitting the request. Customers are suggested to change the password and do not disclose it to ensure secure transactions. PNB also provides great offers on PNB Credit Cards to their customers for hassle free banking.

Opening the account and requesting for internet banking services

Customers opening a new account at the bank can make a request for internet banking services too. In the form, choose the internet banking facility, provide the other required details and submit the form at the branch. The user Id and password will be provided to the customer to the registered mailing address. Customers can activate the password by submitting a request. After receiving the request for activation of the password, the internet banking service associated with the account will be activated within 24 hours. This process also same for SBI Net Banking.

Hurdles in accessing the net banking services

Access to the net banking account will be blocked if the customer enters the wrong password consecutively for five times. In such cases, the customer is suggested to approach the nearest branch and make a request to activate the account. A new password will be provided to the branch within 7 days. Get the password activated and the internet banking services can be accessed uninterruptedly.

To prevent inactivation of the account, the customer is recommended to enter the user ID and password correctly. The user ID should be alphanumeric without any special symbols.

Internet banking services will also be unavailable if the customer fails to access the account for about 180 days. The account will be inactivated automatically. To activate the account, the customer has to set the new password. If you are looking for loans at low interest rates then PNB Loans provides all type of loans at low interest.

Blocking the Net banking services

Customers who do not use the net banking services can block the internet banking services by just sending an SMS. The Sleep Easy option blocks the transaction password. To block the internet banking services send an SMS to 5607040 or 9264092640 from the registered mobile number in the format – Block IBS User-ID. The transaction password will be disabled immediately after receiving the SMS and the confirmation of the same will be sent to the customer. The confirmation SMS will also include the procedure to enable the same password that has been disabled. For better banking services also check net banking services of ICICI Bank Net Banking and Karnataka Bank Net Banking.

Internet Banking Services for NRIs

NRI customers with a joint or individual account are eligible to avail the internet banking services. Using the internet banking, NRI customers can avail different services – view the list of last ten transactions, transfer funds to domestic accounts or to NRE or NRO accounts, Pay bills, make donations, and pay taxes. The daily fund transfer limit is Rs.5 Lakhs. Other services that are available to NRI customers are- make a request for cheque book, opening a new account, Demand Draft, liquidate FD in parts, Open an FD account, Renew FD, view the statement of account, make a request for unique transaction password, and reset the transaction password. It should be remembered that NRI customers cannot avail the fund transfer services through RTGS and NEFT.

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PNB Net Banking Customer Care

PNB Customer Care Number

For any queries related to net banking, customers can check the FAQ section under the customer care tab on the home page.

For more information, the customer can contact the customer care at any of the toll-free numbers – 1 800 180 2222, 1 800 103 2222, 91 120-249-0000. PNB Customer Care executives will be available 24/7. Customers of all languages will be taken care.

PNB Net Banking Password Reset

PNB provides the option to reset the password for customers who forget the password. Enter the username. Click on the forgot password link to reset the password.

PNB Password Reset

The customer will then be prompted to enter the User ID. Click submit after entering the User ID. To successfully reset the password online, the customer has to keep the following details handy – Account number associated with the internet banking service, the mobile for which the OTP will be sent, and OTP that is provided to the mobile number. The number of attempts per day to reset the password is limited. Hence, the customer is suggested to be very careful while resetting the password. The information i.e. the User ID and OTP have to be provided correctly. The password can be used instantly after resetting. Customers who fail to reset the password online can contact the customer care and reset the password. Customers can also reset the password by visiting the branch. The password will be sent to the customer at the registered mailing address. The customer can change the password after logging in the site for the first time.

Reporting loss of debit card via internet banking

In the case of loss of debit card, the customer has to inform the bank immediately and inactivate the card to prevent misusage of card and loss. To hotlist a debit card, the customer has to login the internet banking account. Choose the value added-service and click the ATM or  PNB Debit Card hot listing feature. Provide the account number to which the card is linked. Then, the card associated with the account will be displayed. Provide the internet banking service password and the card will be hotlisted immediately. It should be remembered that once a card is inactivated or hot listed cannot be reused.

Addressing Complaints Related to Online Banking

Customers finding trouble using net banking services can lodge a complaint online. Complaints submitted online will be addressed quickly compared to those submitted at the bank. To register a complaint choose the submit a complaint option listed under products on the home page. The CCSRMS for submitting the complaint is as follows:

PNB Complaint Process

Provide the required details such as the type of the customer, request type, account number, mobile number, customer name, email ID, Pin Code, Category, Type, sub-type and the remarks. It is mandatory to provide the value for all the fields. After providing all the details, the customer has to provide the code provided at the end of the form. Then click the submit button to lodge the complaint. Checkout net banking of Union Bank Net BankingCity Bank Net Banking and HDFC Bank Net Banking banks for hassle free online funds transfer.

After filing the complaint, the customer can track the status of the complaint. To track the complaint status, choose the track status of complaint or service under redressal of complaints under products on the home page.

PNB Complaint Tracing

FAQ’s Related to PNB Net Banking

1.How to Register for PNB Net Banking Services?

View Answer
Customers with a PNB account under their name and have a debit card are eligible for registering to net banking services. Registration for online banking services can be done online at the website www.netpnb.com or by using the services available at PNB ATM centers. Registration can also be done by visiting the nearest local PNB branch and submitting the requisite form at the bank’s call center.

2.How to obtain a password for the PNB net banking services?

View Answer
Customers who register for net banking services online, can set the password of their choice online. Customers who register for net banking services at the ATM center will be sent the password to the mailing address registered with the bank. After receiving the password, the customer should get it activated by visiting the nearest branch. Customers who register for net banking services using phone banking services will also be delivered the password by mail and they have to activate the password at the nearest branch. Customers who have registered for net banking services at the bank branch can obtain the password from the same branch. After providing the password, the customer is requested to submit the signed acknowledgment form giving the confirmation for receiving the password.

3.Is Net Banking service available for NRI customers?

View Answer
Net Banking services are available for NRI customers also. The can register for the net banking services by downloading the registration form from the bank website. After filling the form with the required personal details, the customer has to submit the form along with a copy of passport to the bank branch where the customer has the account.

4.How is the first net banking password generated?

View Answer
To ensure maximum security, PNB ensures to keep the password secure by getting it generated electronically. This automated process gets the password printed on a tamper proof paper directly. The password generated is generally a combination of alphabets, special characters, and numbers. The electronically generated password can be used to access the net banking account only for one time. Hence, it is mandatory for the customer to change the password immediately after the first login. This automatic password generation process ensures that the password is not known even to the bank executives.

5.How long will it take to receive the password?

View Answer
After submitting the request, it will take about six working days to receive the password. Once, the password is available with the branch, an SMS will be sent to the customer. Customers who made the request online have to set the password online.

6.Is it possible to block the internet banking password temporarily?

View Answer
For the security and convenience of its customers, PNB provides a unique feature of canceling the password temporarily when they are not using the internet banking services. The password can be blocked by sending an SMS in the form “BLOCK IBS User-ID”. SMS to be sent to block the phone banking transaction password is of the form “BLOCK MBS User-ID”. After receiving the SMS, the internet banking or the mobile banking password will be disabled. An SMS will be sent to the customer along with the procedure for activating it. The password can be activated very easily following the procedure listed in the SMS.

7.Who is eligible to use the retail internet banking services?

View Answer
Customers with a KYC compliant PNB account either single or jointly can avail the retail internet banking services.

8.Is there a transaction limit for customers using the retail internet banking services?

View Answer
Yes. The transaction limit is Rs.15 Lakhs per day. The user is also given the opportunity to set the own transaction limit.

9.What are charges for using internet banking services?

View Answer
PNB does not charge for providing internet banking services. However, a fee has to be paid for transactions involving money transfer – RTGS, IMPS, and NEFT and for making bill payments, which is provided free of cost by HDFC bank.

10.Why to use the virtual keyboard to enter the user ID and password?

View Answer
Use of virtual keyboard prevents the malware from trapping the keystrokes. The virtual keyboard encrypts the key logged in and it cannot be intercepted by the malware.

11.How to distinguish the safe and real PNB site from a fake site?

View Answer
The PNB site has the lock icon at the upper right corner of the web page. In few browsers, it may be displayed at the lower right corner. The details of the security certificate can be known by clicking the lock icon.

12.How to add multiple accounts to the internet banking service?

View Answer
Customers with multiple PNB accounts can avail the internet banking services for each of the accounts. To add accounts to the existing internet banking account, submit a request to the bank branch. It can also be done online by choosing the option “Add more accounts” in the login page. Linking all the accounts to the internet banking services lets you access all the accounts using single user ID and password.

13.Is it possible to have two separate user-IDs for a joint account?

View Answer
The joint account under the name of two users can have two user IDs separately for internet banking. However, for security reasons, it is recommended to have a single user ID and password.

14.What is PNB-IBS shield?

View Answer
The PNB-IBS shield enables the customer to ascertain that a correct site is being accessed instead of a phishing site. Each customer is given an option to choose an image and a text for an account. Whenever, the customer logins the account, the image and the text will be displayed to the customer to ensure that a right site is being accessed.

15.How to avail the PNB-IBS shield service?

View Answer
To avail the PNB-IBS shield security feature, the customer should select a picture of choice from the wide range of categories of picture offered at the PNB site. After selecting the picture, the customer is prompted to enter a short phrase or text that is easy to remember and recognize.

16.Is the IBS-Shield service available for all the customers?

View Answer
The IBS-Shield service is available for all the customers with a valid PNB account. After registering for the internet banking services, the customer is provided the instructions to enroll for the PNB-IBS shield.

17.Is it possible to transfer money to the loan account?

View Answer
Payments to the loan account cannot be made online.

18.How to transfer funds online to another bank account?

View Answer
Funds can be transferred to the other bank accounts either using RTGS or NEFT. Before initiating the transfer, the customer should add the beneficiary to the account. The transfer can be initiated only 24 hours after adding the beneficiary. To initiate the fund transfer, the customer has to provide the transaction password.

19.How to get an alert on mobile after a transaction?

View Answer
To obtain an alert after completion of the transaction – fund transfer or bill payment, it is essential for the customer to register for the SMS alert facility. An alert will be sent to the registered mobile number after completion of any transaction via internet banking.

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