Comparison

PGB mBanking vs PSB UnIC

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PGB mBanking

Manage your Punjab Gramin Banking accounts securely from your iPhone. Check balances, view statements, transfer funds, and manage beneficiaries on the go. Access essential banking features anytime, anywhere.

Highlights
  • Account balance checks
  • Mini statements
  • Transaction history
  • Fund transfers (self, third party, NEFT)
  • Schedule transactions
  • Beneficiary management
Features
Read full description

Perform your banking tasks from the palm of your hand, from anywhere and at anytime. This application provides access to Punjab Gramin Banking Services. It provides its customers to access the various features of banking over a secure channel. The application supports iPhones only. The list of functionalities released with the current version of mobile banking are as under: Accounts Account Balance (Operative , Loan & Deposit) Mini Statement Transaction History Transaction Self Funds Transfer Third Party Transfer NEFT Schedule Transactions My Profile Beneficiaries View Payees Add Within Bank/Outside Bank Payees Delete Payees

About

PSB UnIC

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

Highlights
  • Fund transfers (UPI, NEFT, RTGS, IMPS)
  • Account details and statement generation
  • Invest in term deposits and social security schemes
  • Debit card management and application
  • Cheque services and positive pay
  • Biometric and MPIN login
Features
Read full description

PSB UnIC mobile banking app is a one stop solution allowing you to send money, view account details, generate statement, invest in term deposits, manage debit card, cheque services and many other exclusive services at your fingertips. PSB UnIC App allows transferring funds within and outside bank account using UPI, NEFT, RTGS, IMPS. Below are some features of PSB UnIC App: • Single login for web and mobile app. Login using biometric OR MPIN option can be used for Psb UnIC App. • Instant self-accounts and within Bank transfer. • Instant Payment upto 10,000/- via UPI & IMPS without adding Payee. • Hassle free fund transfer from PSB to other bank accounts using various transfer modes such as: NEFT, IMPS, RTGS & UPI. • Pay EMI, Pay Advance EMI or Pay loan overdue amount instantly. • Invest in Social Security schemes – Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jiwan Jyoti Bima Yojana (PMJJBY). • Investing in Bank Deposits is easier than ever. Open and close an online Fixed Deposit or online Recurring Deposit instantly. • Debit card management- Manage your debit card limits and control the usage online. • Apply for a new card, Hotlist a card or upgrade your card online. • Request for a new Cheque book instantly. • Pre-Intimate the issuance of cheques using Positive Pay. • Stop a cheque, enquire inward and outward cheque status • Generate bank statement, TDS certificate, Balance certificate instantly. • Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments). UPI ID is your virtual identity for UPI payments. We assure to add more and more features in the PSB UnIC. Web version of PSB UnIC can be accessed through our official website: www.punjabandsindbank.co.in For any feedback, queries or issues pertaining to PSB UnIC application please write to omni_support@psb.co.in

Screenshots

PGB mBanking4 screens
PSB UnIC4 screens

Verdict

The call

The clearest difference is review sentiment: PSB UnIC at 52% against PGB mBanking's 43%. PGB mBanking's advantage is device support (3 vs 1) and iOS requirement (10.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

PGB mBanking ships an update every 2 months, PSB UnIC monthly. The most recent releases landed on October 7, 2026 and October 17, 2026 respectively.

Scorecard3 real differences · 7 level
PGB mBanking versus PSB UnIC: the parameters behind the verdict, then further details
ParameterPGB mBankingPSB UnIC
PriceFreeFree
Rating—4.8 (4 ratings) — better
Positive reviews42.9% of reviews51.7% of reviews — better
Number of ratings—4 — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS10.0 — better17.0
Further details — not scored
Size40 MB197 MB
Age rating4+4+
DeveloperPunjab National BankPUNJAB AND SIND BANK

Customer experience

PGB mBanking

Written reviews21 reviews
Positive42.9%
Neutral0.0%
Negative57.1%

PSB UnIC

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews29 reviews
Positive51.7%
Neutral3.4%
Negative44.8%

In-app purchases

None

PGB mBanking

No in-app purchases

None

PSB UnIC

No in-app purchases

Questions

Is PGB mBanking free?
PGB mBanking is free to download, with no in-app purchases.
Is PSB UnIC free?
PSB UnIC is free to download, with no in-app purchases.
Do PGB mBanking or PSB UnIC have ads?
Neither PGB mBanking nor PSB UnIC shows ads.
Which is updated more often, PGB mBanking or PSB UnIC?
PGB mBanking ships an update every 2 months, and PSB UnIC monthly. Most recently, PGB mBanking was updated on October 7, 2026 and PSB UnIC on October 17, 2026.

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