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CUSTOMER ADVISORY

Dear Customer

In recognition of the COVID-19 pandemic, MasterCard has enhanced the contactless transaction limit at POS for Debit Cards in the UK from GBP 30 to GBP 45, which means, your PNBIL Debit Card Contactless limit will be enhanced to GBP 45. This enhanced limit will be with effect from 01st April 2020.

We hope you would make use of this enhanced limit and use your debit cards for payments through contactless at POS, reducing the physical contact with payment machines and hopefully slowing the virus spread.


For kind attention of the customers - » We are changing our Account Terms and Conditions WEF 1 July 2019. » Do not disclose your Personal information such as account number, login ID & password, debit card number & PIN to anyone.

Compliance Reports

  • Licence Information

    Source Extract from Regulator's List Date of issue (expiry date) Language
    Financial Services Authority from Regulator's website 13 April 2007 English
    Bank Licence (Not Applicable - Regulator does not issue a physical bank licence, see Extract from Regulator's List
  • Corporate Governance Documents

    Date of issue (expiry date) Language
    Registered with Companies House in England & Wales under No.5781326 - see the Certificate of Incorporation issued by Registrar April 13, 2006 English
    Memorandum of Association and Article of Association April 13, 2006 English
  • USA Patriot Act Certification

    Date of issue (expiry date) Language
    USA Patriot Act Certification September 27, 2017 English
  • Anti-Money Laundering Controls

    Date of issue (expiry date) Language
    Wolfsberg Group AML Questionnaire May 26, 2016 English
    AML Controls Not Applicable - See Anti Money Laundering Procedures Manual – Version 4.0
  • Data Protection Policy

    Date of issue (expiry date) Language
    Data Protection Policy Not Applicable English


Punjab National Bank (International) Limited (PNBIL) is a UK incorporated banking subsidiary of Punjab National Bank, India (PNB). PNBIL is Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. PNBIL is a member of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS). PNBIL is authorised for accepting deposits by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Your eligible deposits are protected by the Financial Services Compensation Scheme, the UK's deposit protection scheme. The FSCS protects most depositors, including individuals and small companies upto £85,000. Eligible deposits of large companies and small local authorities are covered upto £85,000.