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Current Version of Android: 2.22
Current Version of iOS: 3.23

PNB ONE – Just One App for Mobile Banking

  • PNB ONE is a unified Mobile Banking application enriched with several features providing all banking facilities at a single platform.
  • It allows user to perform major banking requirements through the application on 24*7 basis anywhere and anytime without visiting the branch.
  • It is secure application, having biometric & face authentication (iOS) along with MPIN.
  • Every transaction is authenticated through TPIN i.e Transaction PIN.

Recent enhancements in PNB ONE:

Improved Scanner for faster UPI payments

Location in App


Login/Pre-Login --> Scan n PAy

PNB One has been introduced with updated scanner having facilities viz Zoom In, Zoom out, Flashlight & Scan from gallery.

Credit Card on UPI

Location in App


Login --> UPI

This feature will enable users to link their Rupay Credit Card to PNB One UPI for P2M payments .

Unified view of all bank account through Account Aggregator

Location in App


Login --> Linked Accounts --> View all bank accounts

Using the functionality, customer can view their all accounts (within all the banks) on PNB One.

UPI Central Mapper

Location in App


Login --> UPI --> Send Money

Using the functionality, customers can make UPI payments to mobile number .

QR Code Generation using PNB One

Location in App


Login--> UPI--> Generate QR Code

This feature will enable customers to receive payments using QR code.

Replacement of Transaction Password with TPIN

Location in App


Login--> My Profile--> Set/Reset TPIN

This feature will make transaction in PNB One more user friendly & convenient.

UPI payment using IFSC and Account No

Location in App


Login--> UPI--> Send Money--> Pay by Account and IFSC

This functionality will enable users to make UPI payments using IFSC & Account No.

Scan & Pay

Location in App


Login--> Scan & Pay

With this feature, users can transfer money using QR code – Bharat QR code & UPI QR code through PNB One.

e-OD against Offline FD

Location in App


Login--> Services--> Accounts--> OD against FD

Using this functionality, Customers can now avail Overdraft against offline FD i.e FD opened at branch.

Click here for Feature of PNB ONE

Registration Process:

One can easily enroll or register for PNB ONE through the app itself. Follow these steps and enroll yourselves:

  • a) Click on “New User”.
  • b) Enter Account number and select appropriate option for registration as per your choice as displayed- Mobile banking or Both( Internet Banking & Mobile banking)
  • c) An OTP will be delivered to your registered mobile number. Enter the OTP to proceed further.
  • d) Choose option to register from:
    • (i) Registration using Debit Card
    • (ii) Registration using Aadhaar OTP
  • e) For, registration using debit card, enter your linked Card number and PIN number.
  • f) Set your login/transaction password & TPIN.
  • g) After completing above-mentioned steps, on successful registration, you will get a success message with “User id” for login.
  • h) Click on “Sign in” at the bottom of the page.
  • i) Enter your User id and Set your MPIN. Login with these credentials in PNB One.

Frequently Asked Questions:
General Questions:

1) What are the pre-requisites for using PNB ONE?
a) An active account with Punjab National Bank.
b) Mobile number registered with the Bank.
c) Smart Phone with or above Android version 6.0 and iOS version of 11.0 & above

2) Who can register for PNB ONE?
All PNB customers with individual account and joint account (mode of operation Self, Proprietorship, Either or Survivor, Former or Survivor, Anyone or Survivor,) can register for PNB ONE.

3) Are there any charges for using PNB ONE?
PNB One Onboarding/registration is free of cost. However, charges for certain services viz remittances are applicable as per bank’s guidelines being issued time to time.

4) I have different accounts in different branches; can I register mobile banking for all of them?
All the accounts opened under same Customer ID will be available by default after registration. If any of the accounts are not visible, you may visit branch and get the Customer ID updated for those accounts.

5) Can I transact through all my accounts in PNB ONE??
Transaction is allowed through all accounts except accounts which are opened in “Joint” accounts.

6) I have corporate account, can I register for PNB ONE?
PNB ONE is only for Retail customers.

7) I have not used mobile banking for long time. How can I resume using PNB mobile banking now?
User ID of mobile banking get expired if not used for 360 days. In order to resume using PNB mobile banking, you have to enable user ID using Trouble Signing in -> Enable User. User can enable his/her user ID using:

  • Debit Card credentials
  • Aadhaar OTP

8) How Mobile Banking is a secure channel?
All the transactions which are performed through mobile banking channel are encrypted and travel to mobile banking server in secured mode. Also, to enhance security through Mobile Banking, bank has implemented SIM Binding & device binding.

9) How do I start using PNB ONE once I have opened an account with PNB?
Step 1: Download PNB One application from Play-store or App-Store.
Step 2: Click on “New User?”, two options will be provided:

  • Registration with Debit Card
  • Registration with Aadhaar OTP

After entering the required details, customer needs to enter his/her Customer ID for setting MPIN. Customer can now log in to PNB One after entering the numeric MPIN.

10) If user profile in PNB One is ‘view only’, can it be modified to ‘view & transaction’ profile?
Yes, user can change profile using: Pre Login --> Trouble Signing in--> Enable Transaction Facility
Same can be done through

  • Debit Card credentials
  • Aadhaar OTP

11) How can I open Fixed Deposit account using PNB One?
Login into PNB ONE -> Click on “Services” -> Accounts -> Open Fixed Deposit -> Enter required details regarding period of FD, amount etc. Account will be opened instantly.

12) Can I close Fixed Deposit account pre-maturely using PNB ONE?
Yes, Login into PNBONE-> Click on Services-> Accounts-> Premature FD Closure. Select FD account to be closed and saving account number which is to be credited, enter transaction password and close the account.

13) Can I Scan QR Code & Pay through PNB One?
Yes, after login you will find an option of “Scan & Pay” on Dashboard. Click on the option and scan the QR code -> enter amount -> make payment.

14) If I have lost my phone, what should I do immediately?
a) Online Mode: In this scenario, please disable your mobile banking services by visiting link www[dot]netpnb[dot]com -> Retail Internet Banking -> Disable Mobile Banking.
b) Call center: Dial customer care number 1800 1800 & 1800 2021 for disabling mobile banking on your registered mobile number.
C) Send an e-mail at mobhelp[at]pnb[dot]co[dot]in for disabling Mobile Banking on account of lost of mobile phone.

15) I have changed my mobile number, how can I change the same in my mobile banking?
For updating your mobile number in mobile banking, you have to visit your nearest branch and submit request for updation of mobile number.
With new registered mobile number, you have to activate mobile banking again: enter your user id -> enter OTP -> activate mobile banking.

16) I want to de-register for mobile banking, what should I do?
a) Through Net Banking website: In order to de-register mobile banking, please visit website www[dot]netpnb[dot]com -> Retail Internet Banking -> Disable Mobile Banking.
b) Through Customer Care: Dial customer care 1800 1800 & 1800 2021 for de-registering mobile banking.


1) How can I register for PNB ONE?
Download PNB One application from Play-store or App-Store.
For registering in PNB ONE online, you should have your mobile number registered in your account. Click on “New User?”, two options will be provided:

  • Registration with Debit Card
  • Registration with Aadhaar OTP

After entering the required details, customer needs to enter his/her Customer ID for setting MPIN. Customer can now log in to PNB One after entering the numeric MPIN.

2) I am not getting OTP. What should I do?
Please try as under:
a) If you are not receiving OTP, please send SMS “SOTP at 5607040” or
b) Lodge your complaint at customer care number 1800 1800 & 1800 2021 or
c) Mail the same at mobhelp[at]pnb[dot]co[dot]in.

3) I don’t remember my TPIN. How can I reset the same?
Please reset your password by clicking “My Profile” -> Set/Reset TPIN. Choose from the options:

  • Through Debit Card
  • Through Transaction Password
  • Through Aadhaar OTP
  • Through branch mode

After entering the required details, customer can set/reset TPIN.

4) I have locked my mobile banking account. What should I do?
Login to PNB One gets locked due to wrong MPIN entered more than 5 times. Please reset the same by clicking on “Trouble Signing-in” ->Forgot MPIN -> Enter OTP -> Set new MPIN.

5) What is my user id? How do I get it?
Default User id is your Customer Id mentioned on front page of your Passbook. You can change the default user id. Click on Update User ID to set your desired User id.
Customer can also check his/her User ID by clicking on Trouble Signing In at Pre Login.

6) Is Debit Card necessary for PNB ONE registration?
No, Debit Card is not necessary for PNB ONE registration. Registration of PNB One can be done using :

  • Registration with Debit Card
  • Registration with Aadhaar OTP
  • Registration by visiting branch

Fund Transfer:

1) What are the limits of various transactions using PNB ONE?
You can perform transaction up to amount Rs. 10 lakh through PNB ONE. However, default limit of PNB ONE is 2 lakh, you can increase it upto Rs. 10 lakh.

2) Can I send money without registering payee?
Yes, you can send money without registering Payee up to 10,000 within PNB via link “QUICK TRANSFER”.
Login -> Transfer -> Quick Transfer -> Enter Account number & amount -> enter transaction password.

3) What are the options available for fund transfer in PNB ONE.
Following are the options available for fund transfer via PNB ONE:
4) UPI
5) Scan & Pay
6) Within PNB Transfer

4) What is MMID? How can I know my MMID? MMID stands for Mobile Money Identifier, it is a seven digit unique number issued by the bank upon registration for making payments through IMPS. Remitter and Beneficiary should have this MMID for doing this interbank funds transfer.
You can generate your MMID via PNB ONE -> Login -> Service -> MMID -> View & Generate MMID.

5) If my transaction gets failed, but my account got debited. What should I do?
In this scenario, you may lodge complaint at PNB Customer Care number 1800 1800 or 1800 2021 or mail us at mobhelp[at]pnb[dot]co[dot]in

6) After addition of beneficiary, how many long will it take for fund transfer?
It will take 2 hours for fund transfer after addition of beneficiary in mobile banking.

7) What is the maximum limit of fund transfer through PNB ONE.
Maximum limit of fund transfer through PNB ONE is 10 lakh per day.

8) Can I schedule transaction for future date?
Yes, you can schedule transaction through PNB ONE. Login -> Transfer -> Schedule any particular transaction.

9) Which type of transactions can be scheduled for future?
You can schedule all of your transactions through PNB ONE.
Login -> Transfers -> Regular Transfer -> Enable “Schedule this transaction button”.

Bill Payments:

1) What are the facilities available under Bill Pay?
Add billers under different categories such as Insurance, Mutual Fund, Telecom, Electricity, Gas, DTH, credit Card and make payments through PNB ONE.

2) Can I register my Mutual funds through PNB ONE?
Yes, you can register Mutual funds and make payments through PNB ONE. Login -> Pay Bills -> Manager Billers -> Add Biller.

3) Will I be charged by PNB for making payment of bills through PNB ONE?
No, there are no charges for making payment of bills through PNB ONE.

4) Can I request Debit Card through PNB ONE?
Yes, you can enter request for Debit Card through PNB ONE.
Login -> Debit Card -> Apply for new Debit Card.

5) Can I limit the amount usage of Debit Card through PNB ONE?
Yes, you can limit the amount of cash withdrawal of Debit Card at ATM & POS/ E-Comm through PNB ONE.
Login -> Debit Card -> Update ATM limit/POS/E-Comm Limit.

6) Can I pay my PNB credit card bill using PNB ONE?
Yes, you can make payment of credit card bill using PNB ONE application. Login -> Services -> Link Credit Card -> Auto payment registration.

Do’s & Don’ts
• Do not reveal password(s) or OTP over phone, mail etc to any person including Bank.
• The passwords can be changed as frequently as you wish. Please change your password(s) before the passwords get expired or when the system prompts you to do so.
• Do not click on website links/attachments in unknown/suspicious emails. These links may take you to replica of banks website and ask for keying in your user id and password(s).
• Bank will never send any e-mail requesting to provide user id/password and other sensitive information.

Are you a victim of Fraud?

If you find out that your credentials of mobile banking, internet banking or debit card is compromised, please take immediate action as under to prevent any further loss and speedy recovery:
1) Mobile/ Internet Banking: Disable your mobile banking account immediately by visiting website www[dot]netbanking[dot]com -> Choose Retail Internet Banking -> Enter User ID -> Disable Mobile/Internet Banking.
2) Debit Card: Block your debit card immediately. You can block debit card through mobile banking, internet banking and through SMS.
a) Mobile Banking: Login -> Click on Emergency -> Choose option “Hotlist Debit Card”.
b) Internet Banking: Login -> Value Added Services -> Emergency Service -> Debit Card Hotlisting.
c) Through SMS: Type message “HOTLIST < <-space->> Card number” and send it to 5607040.

Blocking or reporting unauthorized/suspicious transaction:

1. Website: https:/www.pnbindia.in/
2. Mobile Banking (PNB One App) Login -> Services -> Register Complaint
3. Internet Banking:
4. Email: care@pnb.co.in
5. Customer Care Helpline Nos: 1800-1800 / 1800-2021 / 0120-2490000
6. SMS: Forward the Alternate Delivery Channel debit transaction SMS received on your Registered mobile number to 9264092640

Report a fraud:

1) Customer Care: Call at PNB customer care number 1800 1800 or 1800 2021 to report a fraud, you will get a reference number in order to know the status of complaint in future.
2) Email us at care[at]pnb[dot]co[dot]in ccmc[at]pnb[dot]co[dot]in

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