Comparison

PNBIL 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

PNBIL

Perform banking tasks securely and conveniently from anywhere, anytime. This application provides access to various banking services over a secure channel for individual account holders with active internet banking.

Highlights
  • Secure banking transactions
  • Perform banking tasks remotely
  • Access banking services anytime
  • User ID and password login
  • Password reset functionality
Features
Read full description

Punjab National Banking International Limited (PNBIL) Mobile App is secure, fast and convenient. Using PNBIL Mobile App, all your transactions are just few clicks away. Perform your banking tasks from anywhere and at any time. This application provides access to PNBIL banking services across all operators. It provides its customers to access the various features of banking over a secure channel. NOTE: This feature is available only for Individual Account Holders and active user of Internet Banking Service. After downloading the Mobile App, existing Internet Banking Users can log in using their user id and password. 1. Before downloading / activating the App customers are requested to check availability of stable internet connection on their mobile handsets. 2. If login password is forgotten, customers are requested to reset it from the “Forget Password Link” that is provided on the First Page. Security Warnings: You are requested not to follow any link/E-Mail requesting to share your Bank Details, Personal Details, Password, One Time Passwords (OTP) etc. Our Bank never asks for such information from its customers. Please report any such incident at: customersupport@pnbint.com For any queries/clarifications, please contact our customer support at (08008499229) or e-mail us at customersupport@pnbint.com

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

PNBIL4 screens
PSB UnIC4 screens

Verdict

The call

The clearest difference is review sentiment: PSB UnIC at 52% against PNBIL's 0%. PSB UnIC also leads on rating (4.8 vs 1.0) and update cadence (monthly vs every 3 months). PNBIL's advantage is device support (3 vs 1) and iOS requirement (15.6 vs 17.0). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

PSB UnIC holds the better App Store score, 4.8 against 1.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively. Written reviews point the same way: 0% of PNBIL's written reviews are positive against 52% of PSB UnIC's.

UpkeepUpdate frequency

PNBIL ships an update every 3 months, PSB UnIC monthly. The most recent releases landed on August 29, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
PNBIL versus PSB UnIC: the parameters behind the verdict, then further details
ParameterPNBILPSB UnIC
PriceFreeFree
Rating1.0 (2 ratings)4.8 (4 ratings) — better
Positive reviews0.0% of reviews51.7% of reviews — better
Number of ratings24 — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size99 MB196 MB
Age rating4+4+
DeveloperPunjab National Bank International LimitedPUNJAB AND SIND BANK

Customer experience

PNBIL

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews13 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

PSB UnIC

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

In-app purchases

None

PNBIL

No in-app purchases

None

PSB UnIC

No in-app purchases

Questions

Is PNBIL free?
PNBIL is free to download, with no in-app purchases.
Is PSB UnIC free?
PSB UnIC is free to download, with no in-app purchases.
Which has better reviews, PNBIL or PSB UnIC?
PSB UnIC is rated higher. PNBIL averages 1.0 out of 5 from 2 ratings, while PSB UnIC averages 4.8 from 4 ratings.
Do PNBIL or PSB UnIC have ads?
Neither PNBIL nor PSB UnIC shows ads.
Which is updated more often, PNBIL or PSB UnIC?
PNBIL ships an update every 3 months, and PSB UnIC monthly. Most recently, PNBIL was updated on August 29, 2026 and PSB UnIC on September 21, 2026.

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