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Introduction of PNB

WikiFX | 2025-07-25 09:58

Ikhtisar:Philippine National Bank (PNB) is one of the oldest and biggest private commercial banks in Philippines, which opened in 1916. It is currently not regulated by any financial authorities, either in the US or abroad, but it does offer a full range of traditional and digital financial services to customers in the US and abroad through its large network of branches and ATMs.

PNB Review Summary
Founded1916
Registered Country/RegionPhilippines
RegulationNo regulation
Products and ServicesRetail & Corporate Banking, Loans & Mortgages, Remittance, Insurance, Investments, Stock Brokerage, Mobile & Online Banking
Demo Account/
Leverage/
Spread/
Trading PlatformPNB Digital App
Minimum DepositPHP 3,000 (for basic savings account)
Customer SupportTrunkline: (+632) 8526 3131
Bank Hotline: (+632) 8573-8888
Email: customercare@pnb.com.ph
Social Media: Facebook, X, Instagram, YouTube, LinkedIn

PNB Information

Philippine National Bank (PNB) is one of the oldest and biggest private commercial banks in Philippines, which opened in 1916. It is currently not regulated by any financial authorities, either in the US or abroad, but it does offer a full range of traditional and digital financial services to customers in the US and abroad through its large network of branches and ATMs.

PNB Information

Pros and Cons

ProsCons
Long-standing banking history since 1916Not regulated
Extensive local and international branch networkComplex fee structure
Offers a wide range of banking services
Various contact channels

Is PNB Legit?

PNB is not regulated by any Philippine financial institution, including the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). Furthermore, it is not overseen by any internationally recognized financial regulators, like the FCA (UK), ASIC (Australia), or CySEC (Cyprus).

license

Products and Services

PNB provides a wide range of traditional and innovative financial services, including retail banking, corporate banking, remittance, asset management, lending, insurance, and investment options. It has one of the largest domestic and foreign branch networks of any Philippine bank, serving both local and worldwide Filipino clients.

Products / ServicesSupported
Retail & Corporate Banking✔
Loans & Mortgages (e.g. OPHL)✔
Remittance Services✔
Insurance (Life & Non-life)✔
Investment & Trust Services✔
Stock Brokerage✔
Mobile & Online Banking✔
Products and Services

Account Types

Account TypePurpose / FeaturesSuitable For
Savings AccountBasic deposit account; initial deposit starts from PHP 3,000Everyday savers
Checking AccountComes with checkbook; for easy payments and fund accessIndividuals/businesses needing payment flexibility
Time DepositFixed-term savings with interestThose seeking secure savings growth
Foreign CurrencyFor holding foreign currencies securelyIndividuals with forex needs or overseas transactions
Account Types

PNB Fees

Compared to other banks, PNB charges moderate to high fees, notably for transactions between branches and with people from other countries. Within its network, some services, like checking your balance and using an ATM, are free. However, many others, notably those that involve branches in different regions, on other islands, or with different currencies, have different fees.

Fee CategoryDescriptionFee
Interbranch Cash DepositSame region: FreeDifferent region: ₱50/₱100K or more₱50 minimum, ₱50 per ₱100K
Interbranch Check DepositRegular ↔ Island Branch₱100
USD Cash/Check DepositAll branches₱100
Interbranch Withdrawal (PHP)Regular ↔ Island Branch₱200
USD Withdrawal/EncashmentAll branches₱200
ATM (Local)PNB ATM: FreeOther banks: ₱15 withdrawal, ₱2 balance inquiry₱2–₱15
ATM (International)Withdrawal: ₱150–₱250Balance Inquiry: ₱75₱75–₱250
Digital Transfers (Retail)InstaPay / PESONet₱20 per transaction
Digital PNB to PNB TransferFirst 3 per week free; next ₱10 each₱0–₱10
Over-the-Counter ServicesWithdrawal slip: ₱50Checkbook reorder: ₱250–₱500Bank cert: ₱200Varies
Inward USD RemittanceService fee + DST$5–$8
Dormancy FeeAfter 5 years inactive₱30 / $0.50 (selected accounts)
Early Closure (≤30 days)PHP accounts: ₱500USD accounts: $10₱500 / $10+
Maintaining Balance PenaltyPeso: ₱350–₱500USD: $10–$20Other currencies vary₱350+ / $10+
Other FeesSOA requests, remittances, demand drafts, safety box rental, etc.Varies by service

Trading Platform

Trading PlatformSupportedAvailable DevicesSuitable for
PNB Digital App✔Android, iOS/
Trading Platform

LeverageBrokerCommissionCurrency PairDealer

Broker yang bersangkutan

Tidak ada lisensi
PNB
Company name:Philippine National Bank
Skor
1.55
Website:https://www.pnb.com.ph/
5-10 tahun | Lisensi Peraturan Dicurigai | Bisnis Global | Potensi risiko tinggi
Skor
1.55

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