Frequently Asked Questions

PNB e-Send (RCI) Transition

  1. What is PNB e-Send (RCI)?

    PNB e-Send (RCI) is an online remittance service provided by PNB RCI to serve its customers in select states in the U.S. It is a secure internet facility that allows customers to sign up online, send money from their U.S. bank account to their beneficiary/beneficiaries in the Philippines, and track the status of their remittance in a secure, convenient, and economical way.

  2. How can I access PNB e-Send (RCI)?

    You can access PNB e-Send (RCI) through any compatible web browsers on your smartphone, tablet, or computer. Simply visit www.pnbe-send.com and log in or sign up to start sending remittances quickly and securely.

  3. Why is PNB renaming its remittance platform from PNB Web Remit to PNB e-Send (RCI), and what improvements can customers expect with this change?

    PNB e-Send has been upgraded to make your remittance experience easier, faster, and more convenient. These changes were made based on feedback from users and best practices in the industry.

    Here’s what’s new:

    • Simpler and cleaner design: The website now looks more modern and is easier to navigate, so you can find what you need without confusion.
    • Works well on mobile devices: Whether you’re using a smartphone, tablet, or laptop, the site adjusts automatically to fit your screen. You don’t need to zoom in or scroll too much.
    • Faster and more reliable: Pages load quicker, and transactions are smoother, so you spend less time waiting.
    • Easier to use: Sending money now takes fewer steps. Some fields are filled in automatically, and buttons are designed to be easy to tap, especially on phones.

    These improvements are meant to help you send money with less hassle—anytime, anywhere.

  4. If I have an existing PNB Web Remit US account, do I need to create a new one for PNB e-Send (RCI)?

    Your existing PNB WebRemit credentials will work on PNB e-Send (RCI). Simply log in using your current username and password.

  5. Until when can I access PNB Web Remit before transitioning to PNB e-Send (RCI)?

    Starting November 4, 2025, PNB WebRemit will be renamed to PNB e-Send (RCI). You’ll be automatically redirected to the new site and can continue using your existing login credentials. For a smoother experience, we recommend accessing the enhanced platform directly at www.pnbe-send.com.

  6. Will my transaction history from PNB Web Remit be available in PNB e-Send (RCI)?

    Yes. Your transaction history will be migrated and accessible once you log in to PNB e-Send (RCI).

  7. Who can I contact for support during the transition?

    Our support team is ready to assist you. You may contact any of the following:

    Email: customerservice@pnbrci.com

    Phone: 1-855-889-7788

  8. What should I do if I encounter issues with PNB e-Send (RCI)?

    Please report any issues through the Contact Us button within PNB e-Send (RCI). Our team actively monitors feedback to ensure a smooth user experience. You may also reach us through:

    Email: customerservice@pnbrci.com

    Phone: 1-855-889-7788

  9. Will there be training or tutorials available?

    Yes. We will be releasing quick-start guides and video tutorials to help you get familiar with PNB e-Send (RCI). These will be available on our website and within the portal.

Account Creation and Enrollment

  1. Who can use PNB e-Send?

    • U.S. residents of select States, who are at least 18 years old and legally capable of entering into binding contracts under applicable law.
    • With a residential address in the United States and a valid, active email address
    • With a valid savings/checking account or debit card with a U.S. financial institution (Mastercard or VISA).

  2. Is the service available in all the states in the USA?

    The service is initially available to residents of the following states: California, Nevada, Washington, Arizona, Texas, Illinois, New Jersey, Maryland, Florida, Hawaii, Oregon, Alaska, Missouri, Louisiana, Indiana, North Carolina, Virginia.

  3. Do I need to be a PNB account holder (in the U.S. or the Philippines) to use PNB e-Send (RCI)?

    Both PNB and non-PNB account holders can use PNB e-Send (RCI), as long as all the enrollment requirements are completed and approved.

Transaction

  1. How do I use PNB e-Send (RCI) to send money?

    To register:

    • Go to www.pnbe-send.com.
    • Register your email address, which will serve as your username.
    • A system-generated password will be sent to your email.
    • Follow instructions provided on the screen.

    To add your beneficiary:

    • Complete the Beneficiary enrollment page with your beneficiary’s information, ensuring that all required fields (marked with an asterisk) are filled out.

    To send money:

    • Login using your credentials and select Send Money from the dashboard.
    • Select your beneficiary
    • Use your savings/checking account or debit card from a U.S. financial institution.
    • Confirm all the details provided and click “Confirm and Send”.

  2. How is my registration verified?

    To verify your identity, you will be asked to correctly answer a security questions. If we are unable to verify your identity online, you will not be able to proceed with the online service. In such cases, you will receive instructions on how to contact PNB RCI for assistance.

  3. Can my access be blocked?

    Yes, your access may be blocked if you fail to answer the security questions you initially set up when you enrolled your account. For added security, any of these questions may appear randomly during login.

    If your account becomes blocked, you may contact the Customer Service of PNB RCI to have your access reset and security questions reconfigured.

  4. Can I update my account information on PNB e-Send (RCI)?

    You can update the following information online by logging in to PNB e-Send (RCI) and selecting “My Account.” From the Account Profile Management menu, you may update any of the following details:

    • Address
    • Contact information
    • Beneficiary details

    Note: For other updates, please contact our Customer Service of PNB RCI to assist you.

    Email: customerservice@pnbrci.com

    Phone: 1-855-889-7788

  5. Does my beneficiary need to have a bank account with PNB?

    PNB e-Send (RCI) can send money to your beneficiary via:

    • PNB Bank Account
    • PNB Global Filipino Card
    • Bank account with other banks in the Philippines

  6. Can I add additional beneficiaries to my PNB e-Send account?

    Yes. just click the Add Beneficiary button and provide the required information for each new beneficiary.

  7. Is there an advantage if my beneficiary has a PNB account?

    Yes. Remittances may be credited within seconds once the source account is validated. Transactions are faster and easier to track. If your beneficiary has a PNB USD account, the money you send will also be credited in U.S. dollars.

  8. How can I send to a PNB Global Filipino Card (GFC)?

    You can use your beneficiary’s PNB Global Filipino Card (GFC) number as part of the account information during “add beneficiary” enrollment.

  9. Is there a limit on the amount of remittance per transaction?

    Remitters may send up to $1,000 per transaction. New remitters are subject to additional validation.

    The maximum allowable amount within a rolling 3-day period is $2,999 for online transactions, and the maximum allowable amount within a rolling 30-day period is $5,000.

    If you need to send more than $5,000 within a rolling 30-day period, please visit one of our branches. There are no remittance limits for in-branch transactions.

  10. What payment methods can I use to fund my remittance?

    You may fund your remittance in the PNB e-Send (RCI) through the following:

    • U.S. savings/checking account or
    • U.S. issued debit card

    Users are required to pre-enroll their payment source before they can use their US Bank account or US debit card to send money.

  11. Can I add another U.S. bank account to fund my remittance?

    Yes. After your identity is verified, just log in to http://www.pnbe-send.com and click on “Add Payment Source” to link another bank account.

    When you use a new account for the first time, it will go through a quick security check—just like when you signed up. For added protection, PNB RCI might ask you to enter a PNB Code when adding a new account through a service called Plaid.

    If you're using a U.S. debit card, make sure your bank has 3D Secure turned on so your transaction goes through smoothly.

    Note: The security check only applies the first time you use a newly added account.

  12. When will the remittance be available to the recipient?
    Payment Method Recipient Bank Processing Time
    Cleared U.S. Bank Account or U.S. Debit Card (for repeat senders with good records) PNB Account Within 24 hours or (may be shortened to a few seconds).
    Other Philippine Banks Within 1-3 banking days

    Remittances paid via US Bank Account are subject to a three (3) banking-day holding period, counted as follows:

    Day Description
    Day 1 Debit authorization request is sent to sender’s US bank account (not part of hold period).
    Day 2 First banking day after authorization request – Day 1 of holding period
    Day 3 Second banking day after authorization request – Day 2 of holding period
    Day 4 Third day after authorization request – Day 3 of holding period
    Day 5 Fourth day after authorization request – Remittance released to PNB Manila for payment to the recipient.

    Note: U.S. and Philippine holidays, weekends, and other unforeseen events may affect the clearing period.

  13. What confirmation do I get from PNB e-Send for my transactions?

    Upon completion of your remittance transaction, you will receive an official receipt with a reference number. You may use this reference number for inquiries regarding your remittance when contacting our customer service.

    You may also view your remittance history and reprint copies of your receipts online.

    PNB RCI may also send your beneficiary a confirmation message once your remittance has been credited to their PNB account or other banks.

    Note: To enable SMS notifications, please provide your beneficiary’s mobile number.

  14. How can I track the status of my PNB e-Send transaction?

    Log in to www.pnbe-send.com, click Remittance Tracker and enter the reference number of your remittance.

    You can also track the status of all your remittances by accessing the “CHECK RECENT TRANSACTION” Button in the dashboard to see completed and in-progress transactions.

  15. Are PNB e-Send transactions reported to the U.S. or Philippine government?

    Reporting of transactions is limited to those covered by U.S. and Philippine laws on anti-terrorism and anti-money laundering (e.g., U.S. Patriot Act, OFAC regulations).

    Some PNB e-Send transactions may be reported to U.S. regulatory entities as required by law.

Security

  1. How is my account protected when using PNB e-Send (RCI)?

    Only registered users with a valid username and password can use PNB e-Send (RCI).

    Note: It is very important that usernames and passwords are not shared with anyone.

  2. How do I change my password?

    Log on to www.pnbe-send.com, click the Account Profile icon, and select Change Password.

  3. What will I do if I forgot my password?

    Go to www.pnbe-send.com and click Forgot Password. An email will be sent to your registered email address with a new temporary password to allow you to log in again.

  4. Which Web browser should I use when creating an account or logging in to PNB e-Send (RCI)?

    To ensure that your session with PNB e-Send is secured we recommend using the following compatible browsers:

    • Apple Safari Version 7 or higher
    • Google Chrome Version 40 or higher
    • Microsoft Internet Explorer Version 11 or higher
    • Microsoft Edge
    • Opera Browser Version 27 or higher

    We strongly recommend upgrading your browser to the latest version to avoid inconvenience.

  5. What should I do if I see an error message or blank page when enrolling or using PNB e-Send (RCI)?

    If you're having trouble accessing PNB e-Send (RCI), it might be because your browser is outdated or your TLS1.2 is not enabled. TLS 1.2 is a security feature that helps keep your online transactions safe. Most modern browsers already have it turned on by default, but in case your TLS1.2 in not enabled, you may do the following:

    For Internet Explorer:

    1. Open Internet Explorer.
    2. Go to Settings > Internet Options.
    3. Select the Advanced tab.
    4. Under the Security section, check Use TLS 1.2.
    5. Click Apply, then OK.

    For Google Chrome:

    1. Open Google Chrome.
    2. Go to Settings.
    3. Scroll to the bottom and select Show advanced settings…
    4. Under the Network section, click Change proxy settings…
    5. Select the Advanced tab.
    6. Under Security, check Use TLS 1.2.
    7. Click Apply, then OK.
    8. Restart your browser or device.

    For Mozilla Firefox:

    1. Open Firefox.
    2. Type about:config in the address bar and press Enter.
    3. Search for security.tls.version.max.
    4. Set the value to 3.
    5. Click OK, then restart your browser or device.

    For Opera:

    1. Open Opera.
    2. Press Ctrl + F12 to open Settings.
    3. Go to Security.
    4. Click Security Protocols… or under Network, select Change proxy settings > Advanced tab.
    5. Check Enable TLS 1.2 or Use TLS 1.2.
    6. Click Apply, then OK.
    7. Restart your browser or device.

    For Safari: TLS 1.2 is automatically enabled on Safari version 7 or higher. No action is required.