Philippine National Bank International Money Transfer

The Philippine National Bank (PNB) is one of the largest and most trusted banks in the Philippines, renowned for its robust banking services, including Philippine National Bank international money transfer service. This service enables customers worldwide to send money to loved ones in the Philippines or other countries quickly and securely.

In this comprehensive guide, we’ll explore all about Philippine National Bank international money transfer, its features, step-by-step process, fees, and benefits of using PNB’s international money transfer service in 2025, ensuring you have the latest information to make informed decisions.

What is PNB International Money Transfer?

Philippine National Bank international money transfer service allows customers to send funds to the Philippines and other countries through a network of correspondent banks, online platforms, and specialized remittance channels. With a global presence in countries like the UK, USA, Singapore, Hong Kong, and Japan, PNB offers flexible and accessible options for both remitters and beneficiaries.

Whether you’re supporting family, paying for services, or transferring funds for personal use, Philippine National Bank international money transfer ensures a reliable and secure experience.

Also Read: PNB INTERNATIONAL MONEY TRANSFER

Key Features of PNB International Money Transfer

The Philippine National Bank International Money Transfer has several features and advantages, making it an ideal solution for sending money. Some of the important features are as follows:

1. Enhanced Security: PNB employs advanced encryption and fraud prevention systems to protect your funds and personal information, ensuring safe transactions.
2. Flexible Payment Options: Customers can pay via credit/debit cards, e-wallets, or directly from PNB accounts, with the ability to transfer in multiple currencies.
3. Real-Time Tracking: Monitor your transfer status online through PNB’s website, mobile app, or dedicated remittance platforms like PNB Web Remit.
4. Responsive Customer Support: A dedicated team is available via phone, email, or in-branch to assist with queries or issues.
5. Multiple Delivery Options: Via Philippine National Bank international money transfer, beneficiaries can receive funds via bank accounts, cash pick-up, door-to-door delivery, or the Global Filipino Money Card (GFMC).

Overall, Philippine National Bank international money transfer is a great service for Filipino customers and customers abroad. With its secure, flexible, and easy-to-use features, it is an excellent choice for sending money to family or friends in the Philippines.

Steps to Make Philippine National Bank International Money Transfers

With the Philippines National Bank, transferring money to family and friends overseas is simple and convenient. The bank provides various options for remitting funds to the Philippines, catering to customers in different countries. Some of the basic steps for a successful Philippine National Bank money transfer:

1. Visit a Correspondent Bank
   • Locate any PNB correspondent bank near you.
2. Apply for a Fund/SWIFT Transfer
   • Request a remittance application form.
3. Complete the Application Form
   • Provide the following details:
     • Remitter Information: Name, address, and telephone number.
     • Beneficiary Information: Complete name, address, and contact details.
     • Transaction Details: Amount, payee bank/branch, and account number.
4. Specify PNB’s SWIFT Address
   • Use the PNB SWIFT address: PNB MPH MM.
5. Pay the Remittance Amount
   • Include applicable service fees and ensure the amount adheres to the maximum allowable remittance (varies by correspondent bank).

Sending Money Online via PNB

Singapore

• Visit PNB Lucky Plaza or PNB Jurong East to acquire your 14-digit remitter-beneficiary number.
• Visit the online platforms of UOB Group or DBS.
• Choose Philippine National Bank from the list of bill payment corporations.
• Input the SGD amount (including bank charges) and your 14-digit remitter-beneficiary number as the reference number.

USA

• Visit PNB Web Remit and complete your personal and beneficiary information.
• Confirm your details to finalize registration.
• Use the platform to remit funds.
• Monitor the transaction using the PNB Remittance Tracker.

Sending Money via Phone

UK

• Complete the remittance application form (available via phone or online).
• Submit the form along with:
  • Proof of Identity: Passport or full UK driving license.
  • Proof of Address: Recent bank statement, credit card statement, or utility bill.
  • Certified photocopies are accepted if certified by a solicitor, PNB officer, bank manager, accountant, or Philippine Embassy.
• Send the documents to: Customer Services Philippine National Bank (Europe) Plc 128 Victoria Street London EC4V 4BJ.
• Call PNB at 0207 397 1340 or 0207 792 9647 to complete your remittance.

Sending Money Through Specific Country Channels

Hong Kong (via 7-11 Outlets)

• Apply for a 7-11 Card and fill out an application at any PNB Remittance Center or Branch.
• The beneficiary must have a valid PNB account.
• Visit any 7-11 Hong Kong branch.
• Present the card and the remittance amount (inclusive of fees).
• Maximum remittance amount: HKD 3000 per day.

Japan (via Genkin Kakitome Money Envelope)

• Obtain envelopes from PNB Tokyo, PNB Nagoya, or local post offices in Japan.
• Fill out the form included in the envelope.
• Include the following documents-
  – The remittance amount and charges.
  – A copy of acceptable ID.
  – Alien card copy (for amounts exceeding 100,000 Yen).
• Mail to PNB Tokyo or PNB Nagoya
  – Processing takes 1-2 days for PNB Online Accounts.
  Your receipt will be mailed to you.

Singapore (via SingPost)

• Complete the appropriate remittance application.
• Attach a check payable to Philippine National Bank for the remittance amount plus charges.
• Mail it to: 304 Orchard Road #03-02 to 07 Lucky Plaza Shopping Center, Singapore 2238863
• Remittance is processed after check clearance (1 business day after receipt). Checks received after 2:00 PM are cleared on the following business day.
• PNB Singapore will mail the validated remittance application copy, which serves as your official receipt.

Also Read: SEVEN BANK INTERNATIONAL MONEY TRANSFER

How to Receive Remittances in the Philippine National Bank?

PNB offers multiple convenient options for beneficiaries to receive remittances. You can either receive international money transfers in your Philippines National Bank account or to a Global Filipino Money Card (GFMC). PNB offers multiple convenient options for beneficiaries to receive remittances. Check out the steps to receive funds-

• Ensure the remitter provides your PNB account details or GFMC details.
• Wait for the credited amount, which will reflect based on the processing times mentioned above.

For Dubai and Hamburg, the funds are received within 24 hours and for KSA (via ANB), same-day processing is available.

Receiving Remittances via PNB 3D (Door-to-Door Delivery)

In this process, the funds are delivered directly to the beneficiary’s doorstep. There’s no need to open a bank account. Transfers are received within 24 hours in Metro Manila and key cities. In provincial areas, it can take up to 3 days. Here are the steps-

• Provide the remitter with your complete home address.
• Await delivery of the remittance at your doorstep.

Receiving Remittances via Pick-Up

You can also receive funds by pick-up. Funds can be claimed at any PNB Domestic Branch or PNB Payout Partner location. Selected locations are open on weekends and the pickup is free of charge. There’s no need to open a bank account. Here are the steps to receive funds via pick-up-

• Provide the remitter with your details, including a valid ID for identification.
• Visit the nearest PNB Domestic Branch or Payout Partner location.
• Present your valid ID and transaction reference number to claim the remittance.

Charges for PNB International Money Transfers

The Philippine National Bank International Money Transfer is a reliable and secure way to send money to family and friends in countries around the world. A few different transfer fees are associated with using the PNB International Money Transfer service.

• The transfer fee is based on the amount you are sending and the recipient’s location. For instance, if you send $100 (INR 8000) to the Philippines, the fee will be PHP140 (INR 206). If you send $500 (INR 40,000) to the US, the fee will be PHP1,400 (INR 2000). The fees are subject to change, so it is important to check them before you transfer.

• The PNB International Money Transfer also has additional fees for transfers to certain countries. For example, if you send money to India, you will be charged an additional fee of PHP360 (INR 530) per Transfer. It is important to check the fees for each country before sending money.

• Once you have paid the transfer fees, the money will be transferred to the recipient’s account within one to three business days. The exchange rate used for the transaction will be the rate set by PNB.

Advantages of PNB International Money Transfer

Here are the key benefits of using Philippine National Bank for your international transfers

• Global Reach: Send money to the Philippines and other countries through PNB’s extensive network of correspondent banks.
• Multiple Channels: Choose from in-branch, online, phone, or partner outlets (e.g., 7-11 in Hong Kong) for convenience.
• Fast Processing: Real-time or same-day transfers for PNB accounts; 1–3 days for other banks or delivery options.
• Trusted Brand: PNB’s long-standing reputation ensures reliability and security.
• Flexible Receiving Options: Beneficiaries can receive funds via bank accounts, cash pick-up, or door-to-door delivery without needing a PNB account.

Disadvantages of PNB International Money Transfer

• Variable Fees: Fees depend on the transfer amount, destination, and correspondent bank, which can be unpredictable.
• Exchange Rate Markup: PNB’s rates may include a markup, increasing costs compared to providers like Wise.
• Processing Delays: Transfers to non-PNB accounts or via SWIFT may take 3–5 days, slower than some competitors.
• Documentation Requirements: Some methods (e.g., UK phone transfers) require certified documents, adding complexity.

Comparing PNB with Other Providers

While PNB is a reliable choice, alternative providers like Wise, Remitly, and WorldRemit may offer advantages for specific needs:

• Wise: Offers mid-market exchange rates with transparent fees (e.g., INR 2,842.79 for India to Philippines). Transfers can be instant or take up to 2 days.
• Remitly: Provides competitive rates and low fees for USA/UK to Philippines transfers, with fast delivery options.
• WorldRemit: Supports transfers to PNB accounts within minutes for amounts under PHP 50,000, with a maximum of PHP 300,000 per transfer.

For PNB account holders, the bank’s services are convenient, but comparing fees and rates with these providers can save money, especially for frequent or high-value transfers.

The PNB International Money Transfer is a great way to send money overseas. It is secure, reliable, and fast. The fees are reasonable, and the money will be available to the recipient quickly. 

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