Punjab National Bank UPI – PNB UPI App

Below-mentioned are the features of Punjab National Bank UPI App:

• This app can be downloaded for Android and iOS phones to transfer funds to any other bank listed with the UPI scheme
• One can collect money using the facility quite conveniently
• This service is active 24×7 including holidays
• No fee is charged whenever you transfer money through PNB UPI
• Virtual Payment Address (VPA) is used to carry out fund transfers without the need for IFSC or account number
• The activation for a new payee with UPI doesn’t take much time. Fund transfers can be processed immediately after you have added a new payee with UPI
• SMS notifications are provided after the fund transfer has been made via UPI app

Punjab National Bank UPI supports below-mentioned UPI transactions:

• Transactions done using mobile number
• Transactions using bank account and IFSC code
• Using QR code
• Using Virtual Payment Address (VPA)

Also Read: UPI (Unified Payment Interface)

For the first time user, the transaction limit is Rs. 5,000 for the first 24 hours. Thereafter, per transaction UPI limit of PNB is Rs. 25,000, and per day transaction limit is Rs. 50,000.

PNB ONE application is available on both the platform Google Play Store and iOS. This PNB mobile banking app allows an accountholder to access most of the online services.

Requirements to access PNB ONE

• User must have a savings account/current account with the bank
• The account should be registered for SMS facility
• User must have a debit card
• PNB ONE should be downloaded on your smartphone having the registered mobile number only
• Account must be KYC compliant

It is advised to keep your debit card handy and its PIN ready before registration.

The below-mentioned steps explain how to register for PNB ONE application:

Step 1: Once you download the app from app store, click on ‘New User’

Step 2: Click on ‘Continue’ on the next page

Step 3: Enter your 16-digit account number. Choose registration channel and preferred mode of operation

Step 4: Enter the OTP received on your registered mobile number

Step 5: Enter your debit card number and ATM PIN. Click on ‘Submit’

Step 6: Set your ‘Sign in’ and ‘Transaction’ password then click on ‘Submit’ (Password should be between 6-28 characters and must be alphanumeric having a special character)

Step 7: Registration will be done successfully. Note down your User ID as shown on the screen and click on ‘Sign in’

Step 8: Enter the User ID that was created and click on ‘Sign in’. Verify your mobile number that you have registered with the bank and tap on ‘Continue’

Step 9: You will receive an OTP on your registered mobile number. Enter that OTP and click on ‘Continue’

Step 10: Create an ‘MPIN’ of 4-digits and click on ‘Sign in’

Step 11: On the next screen, enter the 4-digit MPIN and start availing UPI services

The below-mentioned process explains how to send money using PNB ONE UPI app:

Step 1: Open your PNB ONE UPI app and navigate towards dashboard

Step 2: Tap on ‘UPI’ and on the next page, click on ‘Send Money’

Step 3: On the next page, you will see two options to send money namely ‘Pay by VPA’ and ‘Pay by Account and IFSC’. Choose your preferred mode of transaction

Step 4: Tap on ‘Pay by VPA’ and add details such as debit account, type of payment (choose non-registered beneficiary if you have not added the beneficiary already), add beneficiary’s VPA, amount that needs to be transferred, and remarks. Click on ‘Continue’.

Step 5: Verify the provided details on the next page and click on ‘Submit’

Step 6: Add your TPIN. You will receive an OTP upon adding TPIN on your registered mobile number. Add the OTP and click on ‘Confirm’.

Step 7: Your transaction will be successful as you confirm your transaction

It is to be noted that if the user leaves the process in between, he/she will have to follow the procedure to make fund transfer through PNB ONE UPI all over again.

To receive or request money on Punjab National Bank UPI App, the user can refer to the below-mentioned steps:

Step 1: Open your PNB UPI app and enter the app login passcode

Step 2: Tap on ‘Request Money’ option and input the mobile number or VPA to collect money

Step 3: Click on ‘Verify’ to check the name of payer

Step 4: Add the amount, validity and remarks. Tap on ‘Request’ (The maximum validity to request money transaction is 45 days)

Step 5: The request will be sent to the payer and you will receive the confirmation of the request sent on your screen

• Before making payment, the user must verify the UPI ID
• Never share UPI PIN with anyone
• Always check SMS once the amount is deducted from the account
• In case there is any fraud related to UPI transactions, inform the bank immediately
• If the user enters the wrong login password thrice, it will block the UPI application
• If the user deletes his/her current VPA, the user cannot create the same VPA for the next 2 years from the date of deletion
• Non-PNB customers can also access BHIM PNB UPI app
• In case there has been any unauthorized debit transaction through PNB account linked to any UPI-enabled bank, the user can block UPI by referring to the below-mentioned channels:

1. By visiting the branch
2. Calling at the call centre
3. Sending a debit SMS to 92640 92640
4. Through internet banking
5. PNB ONE

In case of any issues related to UPI, customers can call the bank on the bank’s toll-free numbers mentioned below:

1800 1800
1800 2021
1800 180 2222
1800 103 2222

Customer can also email the bank at – care@pnb.co.in

Also Read: PNB Bank Customer Care

Q. Does PNB Bank levy charges to make UPI transactions?

Ans. Currently, the bank does not levy any charges to make UPI transactions. It is free of cost.

Q. Even after entering valid debit card details, I am unable to set UPI PIN for my account. What should I do?

Ans. In such a case, you must contact your bank and ask for assistance.

Q. Is it possible to stop UPI payment?

Ans. UPI payment once initiated cannot be stopped.

Q. I was doing UPI transaction and my account got debited but the transaction failed. What should I do?

Ans. If your account has been debited and the transaction has failed while making UPI transaction, the funds debited from your account will be refunded to your account within a few minutes. In case, you do not receive back your funds, you can reach out to your bank.

Q. How to register for BHIM PNB app?

Ans. To register for BHIM PNB UPI app, users can refer to the below-mentioned steps:

Step 1: Download the application from play store and tap on ‘Click’ to verify your mobile number

Step 2: Read the information provided on the next page and click on ‘Ok’. Select the registered number with the bank

Step 3: Upon number verification, you will be directed to a page where you need to provide details such as: First name, last name, email ID, DOB, gender, mobile number, Aadhaar number, and set your log in password. Click on the check box and the confirm registration