PNB Top Saver Account (2024)

• ✓ You can grow your interest rate from 0.125% to 0.500%
• ✓ Enjoy the freedom of choosing between a debit card or a passbook
• ✓ You can use your card to shop online and in-store

* Tiered interest rates are subject to change when conditions warrant and without prior notice to the accountholder

• ✓ You can grow your interest rate from 0.125% to 0.500%
• ✓ Enjoy the freedom of choosing between a debit card or a passbook
• ✓ You can use your card to shop online and in-store

* Tiered interest rates are subject to change when conditions warrant and without prior notice to the accountholder

• 1 Valid ID (primary or secondary)
• Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
• Initial Deposit of PHP 30,000

*Branch may request for Proof of Billing for further validation

1. Click Sign-Up in the login page on PNB Mobile Banking App
2. Choose account type and input Debit Card Number and PIN
3. Create your user ID and password
4. Enter 6-digit One-Time PIN (OTP) sent via SMS
5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail

1. Visit the nearest PNB branch.
2. Fill-out the Digital Banking Enrollment Form (Download here)
3. Click Sign-Up in the login page on PNB Mobile Banking App
4. Enter account details and SMS PIN sent by the branch
5. Upon initial login, enter Online Activation Code (OAC) sent via e-mail

1. What are valid IDs I can use to apply?

   Primary ID:

   • PhilID/ePhilID
   • Valid Passport
   • Driver’s License
   • Unified Multi-Purpose ID
   • SSS ID
   • GSIS e-Card
   • PRC ID
   • IBP Lifetime Membership ID
   • NBI Clearance
   • Work Permit issued by DOLE for Foreign Nationals
   • Digitized TIN Card
   Secondary ID:
   • Police Clearance
   • Digitized Postal ID
   • Voter’s ID
   • Tax Identification Number Card
   • Barangay Certification
   • Senior Citizen Card
   • MARINA Professional Identification Card
   • OWWA ID
   • OFW ID
   • Seaman’s Book
   • Alien Certification of Registration/Immigrant/Certificate of Registration
   • Government Office and GOCC ID (e.g. AFP, HDMF IDs)
   • Persons with Disability (PWD) Identification Card
   • Certification from NCWDP
   • DSWD Certification
   • IBP ID
   • PhilHealth ID Health Insurance Card ng Bayan
   • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
   For Foreign Nationals
   • Passport WITH ACR issued by Bureau of Immigration; and
   • Any of the following IDs issued by their country of origin or by the Republic of the Philippines:
     • National ID
     • Internal Revenue Service (IRS) ID
     • SSN ID
     • Driver’s License
     • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
     • Company ID issued by private entities registered with or supervised or regulated either by BSP, SEC, or IC
* PNB may require additional IDs or documents for further verification.

1. How does tiered interest work?
   



Tiered Interest Rates
Monthly Balance (ADB) in PHP	Base Rate	Additional Rate if not more than 2 withdrawals per month	Resulting Rate if not more than 2 withdrawals per month (Base Rate + Additional Rate)
0-29,999	0.000%	0.000%	0.000%
30,000 – 149,999	0.000%	0.125%	0.125%
150,000 – 299,999	0.000%	0.125%	0.125%
300,000 – 499,999	0.125%	0.125%	0.250%
500,000 – 2,999,999	0.250%	0.125%	0.375%
3,000,000 and up	0.375%	0.125%	0.500%

Withdraw money not more than twice in a month and still enjoy higher interest rates than regular savings account

2. How much should I deposit?
   



Initial Deposit	PHP 30,000.00
Min. Maintaining Balance	PHP 30,000.00
Min. ADB to Earn Interest	PHP 30,000.00
Interest Rate	Tiered
Dormancy	2 Years
Dormancy Fee*	Php 30.00 per month




*Dormancy fee shall be collected when:

• There is no client-initiated transaction in the last 5 years and;
• The balance falls below the required minimum maintaining balance.

3. How do I get my card?
   

• Your PNB PAL Mabuhay Miles Debit Mastercard shall be available for pick up at the Branch where you opened the account.

• Your PNB PAL Mabuhay Miles Debit Mastercard shall be available for pick up at the Branch where you opened the account after 7-10 banking days from the date of account opening.

• No. Only either a passbook or a debit card will be issued per account holder.

• Your initial passbook will be released by your PNB Branch of choice where you opened the account right after your account is opened.

• The minimum maintaining balance for Top Saver Account is PHP 30,000.00.

• If the Average Daily Balance (ADB) of your Top Saver Account falls below the required minimum monthly ADB for at least two (2) consecutive months, it will be charged PHP 350.00 per month until your account reaches the ADB requirement.

• Early Closure Fee – applicable to accounts closed within 30 days from account opening is Php 500.00.

• Inter-branch over-the-counter transactions (deposit,withdrawal, check encashment, and fund transfer ) are FREE except through the following branches: PHP 100 is applicable for interbranch deposit transactions, PHP 200 for interbranch withdrawal, check encashment and fund transfer in selected inter-island branches: PNB Batanes-Basco, PNB Occidental-Mindoro-Mamburao, PNB Occidental-Mindoro-San Jose, PNB Oriental Mindoro-Calapan, PNB Oriental Mindoro-Pinamalayan, PNB Romblon-Odiongan, PNB Romblon-Republika, PNB Marinduque-Boac, PNB Marinduque-Sta.Cruz, PNB Cantanduanes-Virac, PNB Masbate City, PNB Cebu-Bantayan, PNB Siquijor-Larena, PNB Boracay Station 1, PNB Boracay Station 2, PNB Davao Samal Island, PNB Camiguin-Mambajao, PNB Siargao Island-Dapa, PNB Marawi City MSU Campus (outgoing transactions only), PNB Tawi Tawi-Bongao, PNB Jolo-Arolas, PNB Basilan-Isabela-Roxas, PNB Basilan-Isabela-Strong Blvd., PNB Marinduque-Boac-D.Mercader, PNB Occidental Mindoro-San Jose-Liboro, PNB Oriental Mindoro-Bongabong, PNB Oriental Mindoro-Calapan-San Vicente West, PNB Oriental Mindoro-Pinamalayan Malvar, PNB Oriental Mindoro-Puerto Galera, PNB Oriental Mindoro-Roxas, PNB Oriental Mindoro-Victoria, and PNB Romblon-Odiongan-Liwayway.

1. What is a PNB PAL Mabuhay Miles Debit Mastercard?

   PNB PAL Mabuhay Miles Debit Mastercard features and benefits are as follows:

• Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
• Enjoy a 500 Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
• Withdraw at any BancNet ATMs in the Philippines
• Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
• Use for online transactions for ease and convenience
• Tap to pay on any Mastercard contactless-enabled POS machines

• For online purchases, simply input your card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.

• Local transaction charges are as follows:

• To use your PNB-PAL Mabuhay Miles Debit Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions. 

• International transaction charges are as follows:

* All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.

• Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.

• Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB-PAL Mabuhay Miles Debit Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.

• OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.

• Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.

1. How do I report a lost/stolen debit card?
   

• In case of lost/stolen debit card, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email [email protected].

• Yes, debit card replacement is charged PHP 200.00

• In case of lost / stolen passbook, immediately report to the Maintaining Branch or Customer Care. You may call (632) 8573-8888 or email [email protected]. You may only have your lost passbook replaced at your Maintaining Branch.

• For lost passbook, replacement fee is PHP 200.00. Fully filled up passbook will be replaced for free.