How to Apply PNB One App Without ATM Card: A Step-by-Step Guide
Keeping a tab on bank accounts by mobile apps is no more a luxury but a necessity in the present electronic world. PNB One from Punjab National Bank is there to provide its customers with all the convenience. In fact, most customers have a question if they can operate their account using the app without an ATM card. The answer is that yes, they can use the same app. This guide will cover how one may enable and use the PNB One app without an ATM card and explain its features, benefits, and additional details you need to know.
What is PNB One App?
PNB ONE is the mobile banking application being provided by Punjab National Bank. Customers can do virtually everything-from all services that can be accessed in a bank to services that can be accessed through an ATM-from the mobile application. There is no more need for one to go to the counter. Most of your bank services are available on your fingertips at one go. This comprises account balance checks, remittance, bills payment, amongst others.
PNB One is very helpful for customers who want a safe and easy way to handle their money. You don’t even necessarily need an ATM card to use this app easily.
Is an ATM Card Required While Using the PNB One App?
The answer is that yes, you can use PNB One without an ATM card. Thus, it is especially useful for customers who have not received or misplaced their debit card. Punjab National Bank provides an alternate way to register and activate the app, ensuring everyone can enjoy digital banking benefits.
How to Activate PNB One App Using ATM Card
Here’s the step-by-step, A-Z procedure on how to activate and start using the PNB One app even without having an ATM card:
1. Download the PNB One App
From there, just go to Google Play on Android or App Store on iOS.
Just type in “PNB One” on the search box.
Download and install it on your mobile phone.
2. Launch the App and Initiate Signing Up
Now open this application and Tap on the choice of New User Registration.
Put in your bank account number and the mobile number that is associated with it.
3. Select the ‘No Debit Card’ Option
During the registration process, you’ll see two options: registration with an ATM card or without it.
Choose the ‘Without Debit Card’ option to proceed.
4. Finish the Verification Process
You will have to authenticate yourself with an OTP password sent to your registered mobile number.
Sometimes, the application needs some verification, such as visiting a branch to confirm your identity. All this keeps it way more secure.
5. Create Your MPIN
After verification is successful, you are required to set up a 4-digit MPIN that will therefore keep your account safe while providing access to the app every time you open it.
6. Begin Using the App
You can now login with your MPIN, after completing the sign-up and activation process, to enjoy accessing all the features of the application without an ATM card.
Features of PNB One App Without ATM Card
You may, at all times enjoy on activation the following services of PNB One without a debit card. Here are some of them:
1. Control Accounts
View real-time balances, account information, and transaction history.
Download statements of account for specific periods.
2. Fund Transfers
Send money to account-holders at other branches using NEFT, RTGS, or IMPS services.
Send funds to other PNB accounts instantly.
3. Bills Payments
Pay utility bills like electricity, water, and gas bills, and mobile recharges.
Schedule payments for recurring bills.
4. Interest-Bearing Loans
View details of loans, outstanding balances, and due dates.
Pay directly from your app.
5. Investments
FD / RD stated above.
Direct investment in mutual funds from the app.
6. Request Banking Services
Checkbook: Order a new checkbook.
Block lost debit or credit cards.
Update personal details, such as KYC information.
PNB One Benefits of Not Holding an ATM Card
There are many benefits that PNB One has, making it a popular choice for lots of customers, especially those without a debit card. These benefits include:
1. Convenience
The app allows you to manage your finances anytime and anywhere, reducing the need for branch visits.
2. Secure Banking
The security of the app is protected using multi-layered encryption and OTP-based authentication.
3. User-Friendly Interface
The easy design makes sure that even new users can use the app without trouble.
4. Access
This means you can use all important banking services with or without a debit card, while you can keep banking even though you don’t have a physical card.
5. Time-Saving
It saves such a long period of time because you can do transactions and access services with just a few taps.
Common Problems and Solutions
It is quite easy to use the application with or without an ATM card, but some problems may come up. Below are common issues and their solutions:
1. OTP Not Received
Make sure your mobile number is registered with the bank and that there are no network problems.
If the problem persists, contact PNB customer support.
2. Account Locked
If you input the wrong MPIN several times, your account may get locked. You can use the “Forgot MPIN” option or visit a branch to get back in.
3. Changing MPIN
Yes, it can always change the MPIN at any time through the app for better security enhancements.
About PNB ONE App Without ATM Card FAQs
1. Is the PNB One app safe to use without using a debit card?
The app comes with strong security measures such as OTP and MPIN verifications.
2. Do I need to go to the branch for registration?
In most cases, registration can be completed online. However, for additional security, branch verification may be required.
3. Are all features accessible without a debit card?
Yes, except for card-specific services such as ATM PIN generation.
4. Is the PNB One app available on all devices?
No, but it’s tethered to one device for security purposes.
5. Can I close my account on PNB One?
Yes, you can request account deactivation through the app or by visiting your branch.
Conclusion
PNB One is a challenging mobile banking application designed with the intent of making banking easier for Punjab National Bank account holder and can be used with an application without a debit card, thereby many banking services are provided. The app will help you to send money, pay bills, and manage accounts while making banking easier, safe, and convenient. With these steps, therefore, you can begin accessing PNB One by tapping into its product features without requiring a debit card. Digital banking doesn’t get any easier than this!