PNB UPI – Registration, App, Limits & Charges (2026 Guide)
PNB UPI lets Punjab National Bank customers send and receive money instantly using UPI ID, mobile number, or QR code. It works 24×7, including weekends and bank holidays.
Here’s a complete, easy-to-understand guide.
Quick Summary: PNB UPI
- Bank: Punjab National Bank (PNB)
- UPI apps supported: BHIM PNB UPI, BHIM, Google Pay, PhonePe, Paytm
- Transaction time: Instant
- Availability: 24×7
- Charges: Usually free
What Is PNB UPI?
PNB UPI is the Unified Payments Interface service linked to your PNB savings or current account. You can use it through:
- BHIM PNB UPI App (official app), or
- Third-party UPI apps like Google Pay or PhonePe
How to Register for PNB UPI (Step-by-Step)
Using BHIM PNB UPI App
- Install BHIM PNB UPI App
- Open app → Select language
- Enter your registered mobile number
- Verify via SMS
- Select PNB account
- Create UPI ID
- Set UPI PIN using debit card details
✔ Registration completed
How to Set or Reset PNB UPI PIN
You need:
- PNB debit card
- ATM PIN
- Registered mobile number
Steps:
- Open UPI app
- Select Forgot/Set UPI PIN
- Enter debit card last 6 digits & expiry
- Enter OTP
- Create new UPI PIN
PNB UPI Transaction Limits
- Per transaction: Up to ₹1 lakh
- Daily limit: Up to ₹1 lakh
- Number of transactions: As per NPCI rules
Limits may vary for new users or specific merchant payments.
PNB UPI Charges
- UPI transfers: ₹0 (free for customers)
- Merchant payments: No charge to customers
- Failed transactions: No charges
Banks do not charge customers for standard UPI transactions.
How to Use PNB UPI
Send Money
- Via UPI ID
- Via mobile number
- Via QR code
- Via bank account + IFSC
Receive Money
- Share your UPI ID
- Show your QR code
- Request money in app
FAQs: PNB UPI
Can I use PNB UPI without internet?
A. No. Internet is required for UPI transactions.
Is PNB UPI safe?
A. Yes, UPI uses 2-factor authentication (mobile + UPI PIN).
Can I link multiple bank accounts?
A. Yes, if supported by your UPI app.
What if PNB UPI transaction fails?
A. Money is usually auto-reversed within 24 hours.
Common Issues & Troubleshooting
- SMS verification failed → Check mobile network & SMS balance
- UPI PIN not working → Reset PIN
- Daily limit reached → Wait 24 hours or check limits
- Account not showing → Ensure mobile number is linked to PNB account
Security Tips for PNB UPI Users
- Never share your UPI PIN
- Avoid scanning unknown QR codes
- Use app lock & phone lock
- Install apps only from official app stores
Conclusion
PNB UPI is a fast, free, and convenient way to make digital payments directly from your PNB account. You can use it with the BHIM PNB UPI app or any popular UPI app.
