# PNB Digital — PNB Digital

> Mobile banking app for account management, payments, and investments. (iPhone/iPad app by Philippine National Bank.)

- Source: https://appshunter.io/ios/app/pnb-digital/id1527029568 (this page in markdown: same URL + `.md`)
- Developer: [Philippine National Bank](https://appshunter.io/developer/1066651912)
- Category: Finance, Business
- Price: Free
- Rating: 2.30/5 from 529 App Store ratings · 262 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 178 MB
- Languages: American English
- Released: 2021-02-18
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews.md

## What is PNB Digital?

**Apply for a savings account** 
For Filipinos residing and located in the Philippines, easily open a PNB savings account with just one (1) valid ID. This service is initially available to customers with no deposit account with PNB. 
   
For Filipinos working in Hong Kong, Singapore and Japan, start your account application through PNB Digital with just a few taps and a valid ID. Visit the nearest PNB overseas branch within 30 days from your application for a quick KYC verification. Complete your application with a remittance to fund your account. 
 
**Easy sign-up** 
Register without going to the branch. You can use any eligible PNB Savings or Checking account number, PNB Debit Card or Credit Card number to enroll.   
 
**Stay Safe, Bank with Confidence** 
Access your account effortlessly with biometrics. 
Lock your card anytime to prevent unauthorized use and unlock it when needed. 
 
**Manage and monitor your PNB deposit or e-money accounts** 
View your account balances and transaction history with 24/7 real-time access. 
 
**Lock your funds safely** 
Set aside part or all your available balance. Locked funds are removed from your available balance and will remain unavailable for any transaction. Unlock anytime in the app. 
 
**View your credit card information and electronic statements** 
Monitor your PNB Credit Card account balance, statement and recent transactions (including pending transactions).  View your rewards points and PIN. View and download monthly e-statements. 
 
**Send money anytime, anywhere** 
Support your family or pay for your purchases online. Send money between PNB accounts, to other local banks and eWallets with InstaPay and PESONet. You can also schedule important one-time or recurring transfers for your convenience. 
 
**Settle your monthly bills in just one app** 
Skip the lines and beat the due dates!  Make hassle-free payments to our various billers using your PNB Debit or Credit Card. You can also schedule important one-time or recurring payments for a worry-free experience. 
 
**eWallet Top-Up** 
Transfer funds directly to an eWallet in real-time with InstaPay. 
 
**Speed up your transactions** 
Transfer funds instantly to your family and friends by scanning their account QR Codes. 
 
**Share your account details safely** 
Receive funds without giving your account number. Create a QR Code for your accounts or link them to your registered mobile number and/or email address for sharing to your contacts.  
 
**Pay via QR Code** 
Pay your bills and your favorite online and in-store shops easier via QR Ph codes. This is available for participating billers and merchants. 
 
**Request for Cardless Withdrawal** 
Get cash at any PNB ATM --- no card needed. 
 
**Monitor your PNB Time Deposits**  
Add and view your active time deposits easily. 
 
**Invest in UITFs** 
Subscribe, manage and redeem your investment funds anytime, anywhere.  
 
**Order your PNB checkbook conveniently** 
Order via the app and pick up at your PNB branch of account. 
 
**Personalize your PNB Digital Dashboard** 
 
Access your favorite features instantly by customizing your dashboard based on your most-used services. 
 
 
Download the app today and make banking easier.

## Key features

- Open savings accounts
- Manage deposit and credit card accounts
- Send money via InstaPay and PESONet
- Settle bills and top-up eWallets
- Invest in UITFs
- Cardless ATM withdrawals
- Order checkbooks

## What do users think of PNB Digital?

Overall sentiment: negative

**Pros**

- 🚀 Smooth banking experience
- 🔒 Secure transactions
- 👍 User-friendly interface
- 💡 Convenient bill payments

**Cons**

- 🐛 Frequent crashes and errors
- 🔒 Restrictive device registration
- 👎 Poor customer support
- 🕰️ Slow response times

**Commonly reported bugs**

- Unable to sign up or register
- Incorrect details error during login
- Unresponsive app during maintenance

**Most requested features**

- Password reset option
- Multiple device registration
- Improved transaction history
- International remittance support

## Recent user reviews (10 of 262)

All indexed reviews: https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews.md

### 1/5 — Online Transaction

*2026-08-13, version 11.6.0*

Always experiencing issue sending money online

### 1/5 — Resetting passwords for new devices

*2026-07-29, version 11.5.4*

I’m so frustrated I change my device and I can’t able to access my account,  you can’t retrieve your password or any link nothing, to recover my password

### 2/5 — LAGGING

*2026-06-08, version 11.5.4*

EVERY NOW AND THEN IT IS LAGGING

### 2/5 — Not reliable

*2026-06-07, version 11.5.3*

It could go for days when I can open the app but it wont allow me to do anything at all. When I click any button, it just shows a spinning wheel like it's loading for a minute then goes back to the home page. It's so frustrating because even the customer service doesnt know the issue.

### 1/5 — Can’t proceed to see my accounts

*2026-06-07, version 11.5.3*

The loading seems to be just continuously appearing and nothing happens! Now I can’t see anything my balances and transactions won’t appear! What happened?

### 2/5 — Recent updates are so frustrating

*2026-06-07, version 11.5.3*

Recent updates are so frustrating, very reliable even for the basic functionalities like accessing accounts, transferring and paying

### 1/5 — Log in

*2026-06-06, version 11.5.3*

Negative

### 1/5 — Poor Service

*2026-06-05, version 11.5.3*

The app is always crashing unable to open

### 1/5 — Inconvenient

*2026-06-05, version 11.5.3*

All of a sudden can’t login anymore! And why no statement that we can download?!!!!

### 1/5 — Not able to transfer

*2026-06-05, version 11.5.3*

Its been a week that I’m not able to transfer money. It keeps loading on. PNB whats going on. Planning to close and open another bank. PNB is not worthy.

## Frequently asked questions about PNB Digital

### What can I do with the PNB Digital app?

The PNB Digital app allows you to open a savings account, manage your PNB deposit and credit card accounts, send money to other accounts and eWallets, settle bills, top-up eWallets, invest in UITFs, and perform cardless ATM withdrawals. You can also order checkbooks and monitor your time deposits.

### How do I sign up for PNB Digital?

You can sign up for PNB Digital without visiting a branch. You can enroll using an eligible PNB Savings or Checking account number, or your PNB Debit Card or Credit Card number.

### Is PNB Digital free to use?

Yes, the PNB Digital app is free to download and use. There are no subscription fees or in-app purchases mentioned for the core banking functionalities.

### Can I open a PNB savings account with this app?

Yes, Filipinos residing in the Philippines can easily open a PNB savings account with just one valid ID. Filipinos working in Hong Kong, Singapore, and Japan can also start their account application through the app, requiring a visit to an overseas PNB branch within 30 days for KYC verification and a remittance to fund the account.

### What security features does PNB Digital offer?

The app offers robust security features to protect your accounts. You can access your account using Fingerprint/Touch ID or Face ID. Additionally, you can lock your principal credit card anytime to prevent unauthorized use and unlock it when needed.

## Version history (last 5 releases)

### 11.6.0 — 2026-08-11

In this release, we’ve introduced Money Lock, which lets you lock and unlock your available balance through PNB Digital.

### 11.5.4 — 2026-06-08

In this release, we have made some improvements to our digital banking service to make your experience better.

### 11.5.3 — 2026-05-27

In this release, we've made the following updates:

* Updated the carousel card to reflect the minimum operating systems supported by PNB Digital starting May 27, 2026
* Added the “Mark of Trust Certified ISO/IEC 27001:2022” seal on the splash screen
* Made enhancements to the PNB Digital Key

### 11.5.2 — 2026-04-22

In this release, we have made some improvements to our digital banking service to make your experience better.

### 11.5.1 — 2026-04-16

In this release, we have made some improvements to our digital banking service to make your experience better.

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## More apps by Philippine National Bank

- [Xchanged Guam](https://appshunter.io/ios/app/xchanged-guam/id1446525516)
- [Xchanged USA](https://appshunter.io/ios/app/xchanged-usa/id1480149885)
- [PNB CashNet+](https://appshunter.io/ios/app/pnb-cashnet-plus/id1560626198)

All apps by Philippine National Bank: https://appshunter.io/developer/1066651912

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*