PNB One Biz Mobile Banking for Corporate Customers

PNB One Biz Mobile Banking for Corporate Customers is a secure, feature-rich app by Punjab National Bank that enables businesses to manage accounts, approve transactions, make fund transfers, control users, and handle corporate banking anytime, anywhere.

PNB One Biz Mobile Banking for Corporate Customers

In today’s fast-paced digital economy, businesses need more than just a traditional bank account—they need smart, secure, and on-the-go control over their finances. This is where PNB One Biz Mobile Banking for Corporate Customers steps in as a powerful digital solution from . Designed specifically for corporates, MSMEs, startups, and large enterprises, PNB One Biz transforms complex business banking into a seamless mobile experience.

With PNB One Biz, corporate customers can monitor accounts in real time, initiate and approve transactions, manage multiple users, set role-based permissions, and maintain maker-checker workflows—all from a single, secure mobile app. Whether you are a business owner making vendor payments, a finance manager approving transactions, or a corporate admin managing user access and limits, PNB One Biz offers the flexibility and control modern businesses demand.

Built with advanced security features like SIM binding, device binding, and multi-factor authentication, PNB One Biz ensures that corporate banking remains both convenient and highly secure. This detailed guide will walk you step by step through everything you need to know—features, registration, login, fund transfers, approvals, and best practices—so you can confidently use PNB One Biz Mobile Banking to streamline your business finances and operate smarter in the digital age.

An SEO-Optimized, Step-by-Step, Detailed Guide for Punjab National Bank Users (2025)

Managing business banking from a smartphone is no longer a luxury—it’s a daily operational need. Whether you run a small proprietorship, an SME, or manage finance operations for a multi-user corporate setup, you need speed, control, and security—without compromising approval workflows and internal checks.

PNB One BIZ is Punjab National Bank’s corporate mobile banking application built specifically for corporate customers. It is designed to bring corporate banking operations—account viewing, fund transfers, approvals, user administration, workflows, and service requests—into a secure mobile experience.

This guide explains what PNB One BIZ is, who can use it, prerequisites, onboarding, and then walks you through step-by-step instructions for common actions—right from first-time activation to approvals, beneficiaries, transactions, service requests, troubleshooting, and best-practice security.

What is PNB One BIZ?

PNB One BIZ is a Corporate Mobile Application for corporate customers of Punjab National Bank, available on Android and iOS. It is built with security controls such as SIM binding, device binding, multi-factor authentication, and mobile threat detection capabilities (as described by PNB).

It aims to provide corporate banking services on a single platform and supports different corporate operating styles—from a single-person business to multi-user organizations requiring maker-checker approvals and role-based controls.

Who Should Use PNB One BIZ?

PNB One BIZ is ideal for:

Sole proprietors wanting business banking on mobile (view + transact)
Small businesses & SMEs requiring approvals, beneficiary controls, and transaction workflows
Mid/large corporates needing multiple users, roles, limits, and authorization hierarchies
Finance/admin teams managing daily vendor payments, salary transfers, approvals, and account monitoring
Management users who need dashboards, approvals, and tracking on the go

Because PNB One BIZ is designed around corporate personas like Corporate Admin and Corporate Users, it suits businesses that want governance + convenience at the same time.

Key Profiles Supported in PNB One BIZ

PNB describes two broad “flavours”/profile types for corporate mobile banking:

1) Single User Profile

This profile is introduced to allow ease of transactions through a single user. PNB notes users can choose between:

Single user with view + transaction capability
View-only profile

PNB also mentions that eligible corporates listed in the relevant form (noted by PNB) may register for Single User Profile via the branch, as applicable.

2) Multi User Profile (Maker–Checker / Approval Workflow)

This is for organizations that need:

Multiple users (maker/initiator, checker/approver, admin)
Role-based menus and access
Workflows for financial and non-financial transactions

The Play Store listing highlights corporate administration features including user creation/modification, menu access profiles, linkages, limits, and workflow/rule maintenance.

Note: Exact naming/steps can differ slightly depending on your organization’s setup and app version, but the workflow concept remains the same.

Prerequisites Before You Start (Important)

Before installing or registering, ensure:

You have an operative account with PNB
Registration is allowed through operative accounts such as SA/CA/CC/OD (as per PNB’s prerequisites note).
Your mobile number is registered with the bank A valid registered mobile number (with SMS capability) is required for onboarding.
Your device meets minimum OS version PNB lists minimum compatibility as:
- Android 9.0+
- iOS 13.0+
If you are an existing Corporate Internet Banking user PNB indicates existing corporate users availing internet banking may need to visit the branch to enable mobile banking facility.
You have corporate credentials (where required) Depending on your setup, you may need:
- Corporate ID
- User ID (Admin or Corporate User)
  PNB One BIZ registration/login is commonly described around Corporate ID and User ID for corporate personas.

Downloading PNB One BIZ (Android & iPhone)

Android (Google Play)

Search and install “PNB One BIZ” from Google Play.

iPhone (Apple App Store)

Search and install “PNB One BIZ” from the Apple App Store.

Safety tip: Install only from official app stores. Avoid APKs or links shared in messages.

First-Time Setup: Activation, SIM Binding, and Device Binding (Step-by-Step)

PNB highlights security controls like SIM binding and device binding, which means the app ties your login to:

the phone device, and
the SIM associated with your registered mobile number.

Step 1: Open the App

Launch PNB One BIZ
Choose the appropriate option based on whether you are an existing user/customer (the onboarding screens may vary slightly)

Step 2: Choose “I have User ID” (Common Corporate Flow)

If your corporate setup already has Corporate Internet Banking credentials:

Select the option indicating you have Corporate ID/User ID
Enter your Corporate ID and User ID

Step 3: Select Registered SIM

The app detects SIM(s) on your phone
Select the SIM that matches your registered mobile number (the one linked with the bank)

Step 4: OTP Verification

You will receive an OTP on the registered number
Enter OTP to verify ownership of the number

Step 5: Set Your MPIN / App Login Method

Depending on your persona and app flow:

Set MPIN (and enable biometrics if available on your device)
Some actions may later require TPIN/OTP based on transaction type and your organization’s policy

(Exact authentication steps can vary by configuration, but PNB emphasizes multi-factor authentication controls.)

Understanding Personas: Corporate Admin vs Corporate User

PNB One BIZ is often experienced differently depending on your role:

Corporate Admin (High-Control Role)

Corporate Admin can typically handle:

Create/modify/delete users
Assign menu access profiles
Link accounts/divisions/customer IDs
Create/modify user limits
Approve transaction limits
Maintain roles/rules/workflows for transactions

Corporate User (Maker / Checker / Viewer)

Corporate users typically handle:

Viewing accounts & statements
Initiating transactions (maker)
Approving transactions (checker/approver)
Managing beneficiaries (as permitted)
Raising service requests

Dashboard Overview: What You Typically See After Login

Once logged in, most corporate users will see a dashboard with modules such as:

Accounts (summary, statement, transaction history)
Fund Transfers
Beneficiary Management
Approvals / Workflow management
Service Requests
Administration (for Corporate Admin)
Alerts / Notifications

This module structure is referenced in the official app listing (features grouped into Accounts, Transfer Funds, Service Requests, Corporate Administration).

Accounts Module: Step-by-Step (Account Summary, Statement, and More)

1) View Account Summary

Steps:

Open Accounts
Tap Account Summary
Choose the relevant account (CA/OD/CC etc.)
View available balance, ledger balance (as shown), and account details

2) Download/View Account Statement

Steps:

Accounts → Account Statement
Select account number
Select date range (e.g., last 7 days / custom)
Tap View or Download
Share/export to your accounts team if needed

3) Other Account Features (Depending on Permissions)

The app listing indicates features like nominee management and term deposit services (FD/RD), plus calculators. Availability can vary by corporate profile/permissions.

Beneficiary Management (Add, Modify, Delete) — Step-by-Step

Beneficiaries (payees) are essential for vendor payments and routine transfers. Corporate setups often apply internal approval rules for adding beneficiaries.

Add a Beneficiary

Steps (typical flow):

Go to Beneficiaries / Manage Beneficiary
Tap Add Beneficiary
Select beneficiary type:
- Within PNB (same bank)
- Other bank (NEFT/RTGS/IMPS)
Enter details:
- Beneficiary name
- Account number
- IFSC (for other banks)
- Nickname (optional)
Confirm details carefully (one digit wrong can misroute payment)
Authenticate using OTP/TPIN as prompted
Submit

Approval (If your corporate uses maker–checker)

Beneficiary creation may go to an approval queue
Approver logs in → checks details → approves/rejects

(Workflow/approval management is explicitly mentioned as part of app capabilities.)

Fund Transfers in PNB One BIZ: Types, Steps, and Best Practices

PNB One BIZ supports corporate fund transfer needs such as:

Own account transfers
PNB to PNB transfers
Other bank transfers (NEFT/RTGS/IMPS)
Future-dated scheduling and transaction history viewing

A) Transfer Between Own Accounts

Steps:

Open Fund Transfer
Choose Own Account
Select From and To accounts
Enter amount
Add remarks (optional but recommended for audit trail)
Review → authenticate → submit

B) Transfer to Another PNB Account

Steps:

Fund Transfer → Within PNB
Select debit account
Choose beneficiary (or add new)
Enter amount and remarks
Submit for authorization (instant or workflow-based)

C) Transfer to Other Bank via NEFT/RTGS/IMPS

Steps:

Fund Transfer → Other Bank
Choose mode: NEFT / RTGS / IMPS
Select debit account
Select beneficiary
Enter amount and purpose/remarks
Confirm charges/processing notes if shown
Authenticate and submit

Best practice: For large value payments, use your organization’s approval workflow and verify beneficiary details using a “test transfer” policy where appropriate.

Scheduling Payments (Future-Dated / Planned Transfers)

The app listing explicitly mentions scheduling and managing future dated transactions.

Typical steps:

Fund Transfer → choose beneficiary
Select Schedule (instead of immediate)
Pick the date
Set frequency if available (one-time or recurring based on rules)
Submit
Approver authorizes (if your workflow requires it)

Approval Workflow: Maker–Checker in PNB One BIZ (How it Works)

Many corporates operate on approvals, where:

Maker initiates transaction
Checker/Approver approves (or repairs/rejects)

The app listing calls out workflow management (Approval Management).

Maker: Initiate a Transaction

Create transaction (fund transfer, beneficiary, request)
Submit
Transaction moves to pending approval (if configured)

Approver: Approve / Reject / Send for Repair

Open Approvals / Approval Queue
Select pending transaction
Verify:
- Amount
- Debit account
- Beneficiary details
- Purpose/remarks
Choose:
- Approve (moves forward / executes)
- Reject
- Send back/repair (if supported in your configuration)

Approval-queue style processing is a standard digital banking concept; bank help pages describe viewing and processing approval queues (conceptually) in approval workflows.

Corporate Administration (For Corporate Admin Users)

If you are a Corporate Admin, PNB One BIZ can be used not just for payments but also for governance. The Play listing highlights these admin capabilities:

1) Create / Modify / Delete Users

Typical steps:

Admin → User Maintenance
Create new user
Assign:
- Role/menu access profile
- Account/division linkage
- Permission type (view / transact / approve)
Save and authenticate
Communicate credentials securely to the user (never on WhatsApp in plain text)

2) Set Limits (User-Level / Self)

Typical steps:

Admin → Limits / Transaction Limits
Choose user
Set daily limits per transaction type (as allowed)
Submit
If an approval step exists for limits, complete approval

3) Role Maintenance / Rule Maintenance / Workflow Setup

This is where organizations define:

Which users can initiate which transactions
Who approves what, at what amount slabs
Number of approvers required
Approval routes for financial and non-financial requests

Tip: Keep workflows simple at first, then expand. Overly complex workflows slow daily operations and increase internal errors.

Service Requests Module: Raise Requests, Track Status, Approve

The app listing mentions:

Raise Service Request
View status
Query against a request
Approve request

Raise a Service Request (Examples)

You may be able to raise requests such as:

Profile updates (where allowed)
Account-related requests
Cheque/debit-card linked services (availability depends on corporate profile)
General banking service tickets

Steps:

Open Service Requests
Tap Raise Request
Choose request category
Enter details
Submit and authenticate
Track status under View Status

Alerts & Notifications: How to Use Them Properly

PNB One BIZ can show transaction notifications and alerts (as a typical corporate mobile banking feature set; also mentioned in guidance content for the app).

Best practices:

Turn on notifications for:
- Debit alerts
- Approval pending
- Beneficiary creation/approval
Use alerts for internal control—many frauds are caught early because an approver receives an unexpected alert.

Security Checklist for PNB One BIZ Users (Must Follow)

PNB emphasizes security features such as SIM/device binding and multi-factor controls.
Here’s a practical checklist that businesses should implement:

Use a dedicated business phone for corporate banking if feasible
Lock SIM with a SIM PIN to reduce SIM-swap risk
Do not root/jailbreak the device
Avoid installing unknown apps (especially screen sharing/remote control apps)
Never share OTP/MPIN/TPIN with anyone—even internal staff
Separate roles: do not let the same person act as maker and final approver for large transactions (unless your business is single-user by necessity)
Daily review routine: check pending approvals and debit alerts
Logout and lock device after approvals
Keep OS updated (Android/iOS updates reduce vulnerabilities)
Verify beneficiary changes through a second channel (call vendor on known number)

Troubleshooting Guide: Common Issues and Fixes

1) OTP Not Received

Possible reasons:

Low SMS balance/network issues
DND/Spam filtering by device
Incorrect SIM selected during SIM binding

Fix:

Ensure correct SIM is active and has signal
Try again after 2–3 minutes
Restart phone
If persistent, contact PNB support via official channels

2) App Not Working / Crashing

Fix:

Confirm OS version meets minimum requirement (Android 9 / iOS 13 as per PNB)
Update app from store
Clear cache (Android) / reinstall
Ensure enough storage and disable battery optimization for the app

3) “User Locked” / MPIN Locked

Fix:

Use “Forgot MPIN” / reset flow (if provided)
Corporate Admin may need to enable/unblock user access in corporate setups (admin features include enable/disable/unblocking type actions)

4) Transactions Pending Approval Too Long

Fix:

Approver should check approval queue
Ensure the right approver is mapped in workflow
Check if transaction exceeds set limits and requires additional approvals

5) Beneficiary Added but Not Available for Transfer

Fix:

Beneficiary may be pending approval
Beneficiary activation may require cooling period (policy varies)
Check approval queue/status

Best Practices for Businesses Using PNB One BIZ

For Sole Proprietors (Single User)

Set a reasonable transaction limit
Maintain a vendor verification checklist
Export statements weekly for bookkeeping

For SMEs (Multi User)

Implement maker-checker for:
- Beneficiary creation
- Large payments
- Limit changes
Keep at least two approvers to avoid dependency risk

For Larger Corporates

Design role-based profiles:
- Operations maker
- Finance checker
- Senior management final approver
Separate workflows for:
- Routine vendor payments
- Salary payments
- High-value one-time payments
Keep an audit trail via remarks and structured naming

Frequently Asked Questions (FAQ)

Is PNB One BIZ only for corporate customers?

Yes—PNB One BIZ is positioned as a corporate mobile application for corporate customers and is described as exclusive for corporate internet banking customers in the iOS listing.

What are the minimum phone requirements?

PNB lists minimum versions as Android 9.0 and iOS 13.0.

Does it support corporate admin controls and approvals?

Yes—features listed include corporate administration (user maintenance, limits, role/rule/workflow setup) and approval management.

Can existing corporate internet banking customers start using it?

PNB notes existing corporate users may need to visit branch to enable mobile banking facility.

Conclusion: Is PNB One BIZ Worth Using?

If you’re a PNB corporate customer and you want business banking that is:

mobile-first,
workflow-friendly,
and designed around governance (roles, limits, approvals),

then PNB One BIZ is built specifically for that purpose. It combines corporate admin controls, approvals, and account services into a single app experience, backed by security mechanisms like SIM/device binding and multi-factor authentication as described by PNB.

PNB One Biz App

For more information contact Punjab National Bank Customer Care