Choose a country
Philippines
Select a city
Select a city
Additional Information
English (PH)
Select country
Choose a country
Philippines
Canada
España
México
Philippines
United States
Việt nam
Казахстан
Banks
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

PNB

Advertiser Disclosure

About bank

The Philippine National Bank, PNB, was founded by the government of the Philippines on July 22, 1916. The bank is headquartered in the old masonic temple along Escolta, Manila. On February 4, 1916, the Public Act 2612 instituted the PNB as a replacement for the ₱1 million agricultural banks owned by the government. The Philippine National Bank was fully privatized in 2007.

The Philippine National Bank is the nation's first universal bank. It is also ranked as the fourth largest privileged Philippine commercial bank with about 670 branches and over 1,500 ATMs located strategically nationwide. The PNB is the Philippine bank with the most extensive international reach, with over 70 overseas branches.

The Philippine National Bank has full ownership of subsidiaries like the National Investment and Development Corporation and a long list of others through which it carries out diversified business-related and financial services.

Features

The Philippine National Bank offers online banking services to its customers and other corporations. They also provide mobile banking (PNB mobile banking app) and 24-hour customer care services. It is the first universal bank in the Philippines. It is a privatized finance and insurance industry that majors in offering a wide range of financial services to its customers worldwide such as cash management, deposit taking, loans and investments, disbursement, and much more.

The PNB had an operating income of ₱759.67 million, a net income of ₱31.7 billion, total assets of 1.19 million, and total equity of ₱161.22 billion within 2020-2021, with over 8,550 employees. Philippine National Bank engages in full-scale banking services in the United Kingdom and China. They also engage in various business and financial-related services such as remittance servicing in Hong Kong, Canada, and the United States. The bank also provides other benefits like life insurance through its affiliates.

Pros and cons

The Philippine National Bank has maintained its position over time as one of the most global banks in the nation. Because this bank has also existed for a long time, it is granted that they have the needed experience to provide reliable financial services. However, you must consider the following advantages and disadvantages of PNB before becoming their customer.

Pros

  • The bank has several branches and ATMs strategically placed nationwide.

  • The bank offers 24-hour customer care services.

  • The bank has an adequately managed banking organization that works systematically to ensure maximum customer satisfaction.

  • The bank provides a wide range of bank services and products.

  • The bank offers online banking services to its customers.

Cons

  • The bank has a poor asset quality compared to other rated local counterparts.

  • The bank has made it mandatory for customers to visit the bank to make certain transactions and apply for certain types of loans.

Products

The Philippine National Bank offers its customers a wide array of products to provide them with the needed financial and banking requirements and promote their satisfaction. These products are:

  • Cards. These include credit cards, debit cards, and prepaid cards.

  • Deposit products. This includes checking, foreign currency deposit, savings, tiered, and time deposit accounts.

  • Loans. This includes financial products such as OPHL, PNB pangarap, and auto loans.

  • Investments. This includes appropriate investment solutions to ensure customers adequately safeguard and develop their money. They have UITFs, institutional money market funds, and the Enhanced Phil-index reference fund.

  • Cash management. This product offers options to maximize your control over various aspects of your finances. They include:

    • Payments. This includes traditional paper-based and electronic payments. You can resolve government payments to SSS, ADA, BIR, tax ePayment, corporate ePay, auto-pay, paywise, and eGov.

    • Liquidity. This product identifies the parent and satellite account among the account numbers the customer enrolls and programs instructions for the automatic transfer of funds between such accounts.

    • Collections. This includes the PDC online, cash move, electronic payment and presenting, eCollect, and automatic debit arrangement. You can use these products to make your collection activities more accessible and efficient.

    • Accounts. This allows you to manage and organize your accounts by grouping them into similar modules.

    • Utilities. This allows you to conveniently send your collections or payment instructions through a file upload.

    • Cash net plus system security. This product offers a robust security system that helps in controlling your access to data, enforces accountability, regulates decision-making authority, prevents unauthorized data modification, and ensures that the information is accurate.

  • Insurance. This includes the PNB life insurance and non-life insurance products.

Philippine National Bank

Reviews

FAQ

Who owns Philippine National Bank?

The Philippine National Bank is owned by the LT group (Lucio Tan) after privatizing it by the Philippines government.

Is Philippine National Bank legitimate?

Yes. Philippine National Bank is a legitimate bank regulated by the Bangko Sentral ng Pilipinas.

Company documents

Privacy Policy

We are a leading, dynamic Filipino financial services group with a global presence committed to delivering a whole range of quality products and services that will create value and enrich the lives of our customers, employees, shareholders and the communities we serve.

© Philippine National Bank

Financial products

PNB
Auto Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from ₱400,000
Term
i

Loan term for the financial product

up to 60 months
PNB
PNB Housing Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from ₱500,000
Term
i

Loan term for the financial product

up to 20 years
PNB
Direct Deposit Pensioner
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱100 minimum initial deposit
Rate
i

Effective interest rate on the product

0.1% per year
PNB
Pensioner Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱100 minimum initial deposit
Rate
i

Effective interest rate on the product

0.1% per year
PNB
MyFirst Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

no initial deposit required
Rate
i

Effective interest rate on the product

0.1% per year
PNB
Top Saver
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱30,000 minimum initial deposit
Rate
i

Effective interest rate on the product

tiered
PNB
TAP Mastercard
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

no initial deposit required
Rate
i

Effective interest rate on the product

0.1% per year
PNB
Passbook Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱10,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.1% per year
PNB
Debit Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱3,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.1% per year
PNB
PNB-La Salle Green Hills Alumni Association Platinum Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Diamond UnionPay®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Visa Gold®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Visa Classic®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB-PAL Mabuhay Miles NOW Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Cart Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Ze-Lo Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Platinum Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PNB
PNB Essentials Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
All products

Similar products

Equicom Savings Bank
Auto Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 60 months
PSBC
Car Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 60 months
PSSLAI
Vehicle loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rural bank of Mangaldan
Modified motorcycle loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rural bank of Mangaldan
Modified car loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
MSCB
Consumer loan housing
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 20 years
Equicom Savings Bank
Home Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from ₱300,000
Term
i

Loan term for the financial product

up to 25 years
Bank of Makati
Housing and construction loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
PSBC
Housing Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from ₱1,000,000
Term
i

Loan term for the financial product

up to 15 years
Rural bank of Mangaldan
Housing loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rural Bank of Angeles
Time deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱1,000
Term
i

Loan term for the financial product

up to 360 days
Rural Bank of Angeles
Savings Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱1,000
Rate
i

Effective interest rate on the product

0.25% per annum
1st Valley Bank
Basic deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱100
Rate
i

Effective interest rate on the product

0.5% per annum
1st Valley Bank
Kids and teens savings account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱500
Rate
i

Effective interest rate on the product

0.5% per annum
1st Valley Bank
Regular savings account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱1,000
Rate
i

Effective interest rate on the product

0.5% per annum
Equicom Savings Bank
Business Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Equicom Savings Bank
Gold Credit Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Equicom Savings Bank
Classic Credit Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
LandBank
LANDBANK General Purpose Reloadable Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱100,000
LandBank
LANDBANK Travel Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
All PNB’s reviews by december 2022
Leave feedback

Similar companies

OFBank
Liwasang Bonifacio 1000 Manila
(+632) 8-405-7000
Rural Bank of Angeles
Corner Miranda Street Sto. Entierro Street Barangay Sto. Rosario Angeles City, Pampanga
+639189679452
1st Valley Bank
1VB Business Center, Vamenta Blvd. Cor. Lirio St. Carmen, Cagayan De Oro City, Misamis Oriental, Philippines 9000
0917 820 8542
MSCB
IDC Centre, Kalayaan Avenue, Cor. Zapote St.,Brgy. Sta. Cruz Makati City
897-9046 local 202 to 203
WealthBank
Taft Financial Center, Cardinal Rosales Ave, Cebu City, 6000 Cebu
091732-WBANK (92265)