What is the official website of the payment service?
https://punjabandsindbank.co.in
https://punjabandsindbank.co.in
Customer support contacts are listed on the official website's "Contact Us" page and in the mobile app under "Support".
1800 419 8300
Punjab & Sind Bank provides 1800 419 8300 as a toll-free customer care number for its clients throughout India.
Dedicated emails are available for complaints, credit cards, and technical support as listed on the bank's website.
Online chat support can be accessed via the official website's homepage or sometimes through the mobile app interface.
Live chat availability is typically during business hours, but some automated responses may be available 24/7.
The bank does not currently offer official support via Telegram or WhatsApp, but may use SMS or app notifications.
Standard support hours are Monday to Saturday, 10:00am to 5:00pm, excluding public holidays; some hotlines might offer extended hours.
Support is available on Saturdays but generally not on Sundays or national holidays, with limited emergency support possible.
Punjab & Sind Bank operates a network of branches and regional offices throughout India for in-person service.
Branches and offices are located in major cities across India; specific locations are listed on the bank’s website branch locator.
Personal meetings can be scheduled by contacting a branch directly or submitting a request via the website or phone.
The bank mainly operates in India and does not have official representatives or offices in other countries.
Support is offered primarily in Hindi and English; regional languages may be available at local branches.
Phone and email queries are generally answered within 24-48 hours; branch visits offer immediate assistance.
Priority support may be granted to high-value corporate or premium clients based on their account status and service plan.
Yes, you may request a callback by submitting a form on the website or calling the hotline to schedule one.
Punjab & Sind Bank was founded in 1908.
Founded by Bhai Vir Singh, Sir Sunder Singh Majitha, and Sardar Tarlochan Singh; it is government owned.
Punjab & Sind Bank is registered, regulated, and operates under Indian jurisdiction.
The bank was established in 1908, nationalized in 1980, and has expanded services including digital and electronic payments over time.
The bank has undergone upgrades to digital banking infrastructure and product portfolios, without major rebranding.
The board consists of government appointees, including a Managing Director & CEO, and other executive directors.
The Government of India is the majority stakeholder; partnerships may include technology and payment providers.
Punjab & Sind Bank is listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
Market capitalization changes, but recent data places it around ₹8,000 crore; verify latest figures for accuracy.
Primarily operates branches across India, without subsidiaries; regional offices coordinate local banking activities.
Punjab & Sind Bank is licensed by the Reserve Bank of India to operate as a commercial bank in India.
Punjab & Sind Bank officially operates within India and serves domestic customers.
The bank does not currently hold licenses or regulatory approval for cryptocurrency operations.
Complies fully with RBI-mandated anti-money laundering and know-your-customer policies and procedures.
Uses established banking security protocols; details on PCI DSS are not specifically disclosed publicly.
Regular security audits are conducted as per RBI norms and cybersecurity guidelines for banks.
Deposits are insured up to ₹500,000 per customer under the Deposit Insurance and Credit Guarantee Corporation (DICGC).
Follows RBI's guidelines and international standards for banking security and AML as applicable.
No recent major public regulatory fines or violations are recorded; the bank adheres to compliance norms.
Real user reviews can be found on Google Reviews, Trustpilot, bank branch feedback tools, and financial forums.
Users report concerns about slow processing, branch wait times, technical glitches, and customer service responsiveness.
Clients often praise wide branch network, accessibility, and the availability of traditional banking products.
Occasional delays in fund withdrawals are reported, mainly attributed to banking hour and processing constraints.
Users describe the web and mobile platforms as functional, but suggest improvements for design and ease of use.
Satisfaction with transaction speed is average; electronic transfers are faster than manual or branch transactions.
Users recommend Punjab & Sind Bank primarily for local accessibility and government-backed security.
Experts consider Punjab & Sind Bank stable due to its government backing and compliance with RBI guidelines.
The bank has received industry recognition for financial inclusion and agricultural banking initiatives.
Participates in industry rankings for Indian banks, typically positioned among public sector banks.
Is regularly reviewed and recommended for continued compliance by Indian regulators such as RBI.
Maintains a reliable reputation among government agencies, business partners, and merchants for payments.
Innovation is moderate, focusing on digital payments and financial inclusion rather than cutting-edge fintech.
Holds various quality compliance certificates in line with RBI and industry banking practices.
Engages in national banking and finance sector events, conferences, and professional seminars.
Positions itself as a secure, accessible, government-owned public sector bank with a wide branch network.
Primarily supports the Indian Rupee (INR) for all consumer banking and payment services.
Cryptocurrencies are not supported by Punjab & Sind Bank; transactions are conducted in fiat only.
No proprietary cryptocurrency or digital token exists for Punjab & Sind Bank.
Currency conversion is only available via designated forex services at select branches for authorized transactions.
Uses RBI-referenced or bank-determined exchange rates based on prevailing market conditions.
Exchange rates are updated daily or as market conditions require; details are posted at branches and online.
Stablecoins are not supported for transactions or account funding at Punjab & Sind Bank.
Some exotic currency conversion may be possible via branch forex desks, subject to RBI rules and availability.
Currency operations are governed by RBI and FEMA regulations; international usage is limited.
Supports NEFT, RTGS, IMPS, UPI, bank transfers, bill payments, and in-branch remittances.
Yes, via account-to-account transfers, UPI, and other in-network options.
Typically not supported directly; transfers are made to bank accounts, not to debit or credit cards.
Yes, funds can be transferred to domestic and select international bank accounts via approved channels.
Bill payment services are available via net banking, mobile banking, and in-branch facilities.
Supports recurring payments for utilities and services via standing instructions and auto-debit mandates.
Users can set up automatic transfers through scheduled standing instructions or mandate forms at branches.
Payment scheduling functionality is available for recurring or future-dated transactions.
Group payments and pooled remittances are generally managed through branch services for business clients.
Payment link generation is not typically available; other digital payment systems are preferred.
Minimum transaction amounts depend on the channel, often as low as ₹1 for digital payments.
Maximum transfer limits vary by method: NEFT, RTGS, IMPS, and UPI have RBI-mandated caps.
Daily transaction limits are set according to RBI guidelines and user verification status.
Monthly and annual limits are determined by the type of account and RBI/PSB policies.
Limits can be increased by submitting a request and providing further KYC documentation at a branch.
Verified users enjoy higher transaction limits, as permitted by RBI rules and bank policy.
New accounts may have lower initial limits and must complete full KYC for expanded functionality.
Limits for international transactions are determined by RBI regulations and vary by destination country.
Accounts or specific operations can be blocked for compliance, security, or on request.
Daily transaction counts are limited based on account type, risk profile, and compliance checks.
Minimum deposit amounts usually start from ₹1; some products may have higher thresholds.
Supports cash deposit, cheque, NEFT/RTGS/IMPS, UPI, mobile banking, and branch transfers.
Standard funding via branch or digital channels is typically free; cash handling and special services may incur fees.
Minimum funding amounts depend on the product; savings accounts may require ₹500 to ₹1,000 or more.
Digital transfers like UPI and IMPS are credited instantly; NEFT and RTGS are processed as per schedule.
Withdrawals are possible via ATM, branch counter, cheque, and digital payment channels.
ATM withdrawals within limit are free; exceeded transactions, branch and cheque withdrawals may incur fees.
ATM and branch withdrawals are instant; digital withdrawal timelines depend on channel and processing.
Limits depend on account type, ATM card type, and RBI rules; typically ₹20,000-₹40,000 per day per ATM card.
Funds are credited instantly when using debit card-based account funding at supported ATMs.
NEFT is typically credited within a few hours, RTGS is instant, and IMPS/UPI are real-time.
Punjab & Sind Bank does not support cryptocurrency transactions.
Transfers via UPI, IMPS, or intrabank methods are generally processed instantly.
NEFT funding may be delayed on weekends/holidays; IMPS and UPI typically remain available.
Funding is affected by banking holidays; digital channels may offer limited uninterrupted convenience.
Punjab & Sind Bank does not offer paid express crediting; instant digital options are available as standard.
Speed depends on channel type, time of day, regulatory holidays, and system load.
Funding status notifications are available via SMS, email, and the mobile app.
Contact customer support through hotline, visit branch, or file a ticket for clarification and assistance.
ATM withdrawals are immediate; cheque and branch withdrawals may require additional processing time.
ATM withdrawals process instantly; branch withdrawal timelines are subject to queue and verification.
UPI, IMPS, and RTGS transfers typically arrive instantly; NEFT may take a few hours on business days.
Cryptocurrency withdrawals are not supported by Punjab & Sind Bank.
NEFT and branch withdrawals may experience delays; IMPS and ATMs generally remain operational.
Banking holidays delay branch and NEFT withdrawal processing; ATMs and instant channels may be unaffected.
Punjab & Sind Bank does not offer express withdrawal options for additional fees.
Withdrawal processing time is determined by method, account type, cut-off times, and regulatory schedule.
Withdrawal notifications are sent via SMS or email, depending on user preferences.
Withdrawal cancellations are possible for scheduled or queued payments, subject to support assistance.
Registration requires account opening at a branch or online, with submission of required documentation.
Pan card, Aadhaar, address proof, passport photo, and basic personal and contact information.
Yes, registration can be done using phone number and physical documents; email is recommended but not essential.
Phone confirmation is needed for online and mobile banking activation; for branch accounts, it may be optional.
Minimum age for account holders is 18 for standard accounts; minors may open joint accounts with guardians.
Corporate, business, and institutional accounts can be opened with appropriate corporate documentation.
Submission of genuine and verifiable identity documents is mandatory as per bank and regulatory guidelines.
Only Indian residents and eligible non-residents can open accounts in compliance with local KYC and RBI rules.
Activation time ranges from instant (digital) to 1-3 business days for in-branch account opening.
Multiple verification levels exist including basic, full KYC, and enhanced due diligence for business accounts.
Pan card, Aadhaar card, and one additional address proof are typically required for basic verification.
Additional documents such as income proof, business registration, or utility bills may be requested for full KYC.
Digital document upload is accepted for online account setups; in-branch may still require physical originals.
Basic verification completes instantly or within a few hours; advanced checks may take 1-3 business days.
Limited services may be available; full functionality requires successful KYC and account verification.
Unverified users face lower transfer limits, limited access to key features, and may be subject to account review.
Address verification is a standard part of KYC compliance and is required for most account types.
Some digital onboarding may request a selfie with documents for identity confirmation.
Documents must be updated upon expiry or if changes in status occur; periodic refresh may be required by regulations.
Employs SSL/TLS encryption for all online banking services; other bank-standard encryption protocols secure systems.
Two-factor authentication is supported for transactions and account access, especially digital channels.
SMS confirmations are provided for most transactions, login attempts, and significant account activity.
Mobile and some ATMs support biometric authentication (fingerprint/FaceID) in line with industry trends.
Punjab & Sind Bank does not currently use blockchain technology in retail payment services.
Yes, layered security encompasses encryption, user authentication, fraud monitoring, and regulatory controls.
User data is protected by encryption, secure access protocols, and compliance with Indian privacy laws.
The bank does not operate cryptocurrency wallets or manage digital asset cold storage.
Protection against DDoS and cyber-attacks is maintained as per banking IT security standards.
Security audits are conducted regularly in accordance with RBI and internal compliance policies.
Anti-phishing measures include email security, client education, and website authenticity controls.
Transactions are monitored for suspicious activity using automated systems and manual review.
Deploys robust AML systems for transaction monitoring, risk scoring, and SAR reporting to authorities.
Suspicious accounts are reviewed and may be blocked or frozen pending investigation.
Report fraud immediately to customer support or branch; the bank initiates investigation and response protocols.
Suspicious activity can be reported via hotline, email, or in-branch contact; escalation to regulatory bodies is possible.
Compensation depends on investigation outcome and policy; client protection is limited for unauthorized activity.
Users may file disputes for erroneous or unauthorized transactions with investigation and reversal process.
Dispute blocked accounts by contacting customer support, providing identification, and submitting a formal appeal.
No standard insurance for cyber attacks on client funds; bank maintains security infrastructure to prevent loss.
Transfer fees depend on transaction type (NEFT, RTGS, IMPS) and may be waived for select accounts.
Standard account funding is typically fee-free; specialized deposit services may incur minor fees.
ATM and branch withdrawal fees apply if limits are exceeded or for special transaction types.
Currency conversion services are subject to fees disclosed per transaction at branch forex desks.
Standard savings and current accounts do not incur inactivity fees; some specialized products might.
Basic accounts may have zero maintenance; premium accounts and specialized products may incur annual service fees.
Transaction cancellation fees apply only to select transactions or products, as detailed in account T&Cs.
Express or expedited operations are not commonly offered; standard digital transactions are processed instantly.
Punjab & Sind Bank discloses all fees transparently within product documentation and account terms and conditions.
Larger transaction fees follow slab rates or percentages as per RBI and bank guidelines.
Punjab & Sind Bank offers different tariff plans for individual, business, and premium accounts.
VIP clients receive higher limits, priority support, and access to premium financial products.
Submit a request for premium account upgrades or meet eligibility criteria for VIP status.
Standard accounts often allow a fixed number of free ATM withdrawals and transactions monthly.
Promotional discounts may apply for active users during special campaigns or bonus periods.
Corporate clients enjoy custom pricing plans, bulk transaction discounts, and dedicated relationship managers.
Individual account holders may request custom service terms based on their transaction volume and relationship.
Promotional codes and offers may be used during campaigns for fee reductions or bonus services.
Cashback is occasionally offered via special product campaigns tied to debit/credit card or digital payments.
Volume discounts are available for business and corporate clients, especially for bulk payments.
Yes, Punjab & Sind Bank offers an official mobile banking application.
The mobile app is available for both Android and iOS platforms via respective app stores.
The app offers account management, transfers, bill payments, card services, and transaction tracking.
Mobile app generally mirrors web banking features, with some mobile-only or web-only capabilities.
Biometric authentication (Touch ID/Face ID) is supported for login and select app operations.
The application requires an internet connection to process financial transactions; limited offline account info may be accessible.
Push notifications inform users about transactions, account activity, and security alerts.
The mobile app supports dark mode for improved usability in low-light environments.
The application receives regular updates, typically every few months, for security and feature enhancements.
Beta versions may occasionally be available through app store early access; users can apply for participation.
The web platform is designed for ease of use, though users note areas for improvement in navigation.
Yes, the web interface supports responsive design for use on mobile devices and tablets.
The interface is offered in English and Hindi; select regional languages may be added at local branches.
Night mode may be available or planned; currently more common in the mobile app.
Keyboard shortcuts and hotkeys are not widely supported but may be available for select web platform features.
Account statements and transaction histories can be exported in PDF, CSV, or Excel formats.
APIs are available for corporate banking and integration with select business services; details via bank IT department.
Third-party integration is supported for business clients and fintech partners; consumer integration is limited.
Web interface updates are rolled out periodically, with major revisions announced via official channels.
Virtual card services are limited; primary issuance is physical debit/credit cards as per account type.
Disposable or temporary card options are generally not offered in standard retail banking services.
Multi-currency accounts are not supported; transactions are primarily in INR.
Punjab & Sind Bank offers fixed deposits, recurring deposits, mutual funds, and government bond subscriptions.
Interest can be earned on savings accounts, fixed deposits, and select other investment products.
Credit services include personal loans, business loans, mortgages, and credit cards for eligible customers.
Peer-to-peer trading or marketplace is not available; services are focused on traditional banking products.
Punjab & Sind Bank does not support cryptocurrency trading or exchange services.
Merchant acquiring and payment gateway solutions are available for business clients.
Mass payment solutions are available for corporate clients for salary or bulk vendor payments.
Loyalty programs may be offered seasonally for card users and select banking products.
Bonus points are usually earned through card spend or select promotional banking activities.
Cashback offers are occasionally provided for card payments and specific promotional activity.
Referral programs may be available during special campaigns, granting rewards for referring new clients.
VIPs receive higher transaction limits, exclusive account management, priority support, and specialized investment products.
Seasonal banking promotions and marketing offers are made available for services and cardholders.
Premium account status is available based on client relationship value and product portfolio.
Partner merchant discounts are periodically offered through card networks or bank collaboration.
Business banking clients may receive tailored loyalty incentives based on service usage.
Punjab & Sind Bank typically prohibits transactions related to gambling and online casinos as per RBI guidelines.
Transactions for gambling or lottery are not permitted as per bank and regulatory policies.
Accounts may be reviewed or blocked if found in violation of gambling transaction restrictions.
Official position discourages or prohibits transactions for gambling activities in compliance with Indian laws.
Gambling transactions are restricted or prohibited under regulatory and compliance considerations.
Banking systems monitor for prohibited or suspicious gambling activity as part of AML compliance.
Prohibited transactions are monitored; bank compliance ensures visibility and transparency.
Notifications may be generated if transactions trigger compliance alerts, but explicit tracking of gambling expenditure is not provided.
No special fees; transactions are usually blocked and not processed.
Personal spending limits may be set through account features, but gambling-specific controls are unnecessary due to prohibition.
No dedicated self-exclusion features for gambling, as such transactions are not supported.
Bank does not manage internet access; restriction applies to transaction processing for gambling-related sites.
Gambling expense control is not required or supported.
Notifications are generated for exceeding transaction or account limits generally, not specific to gambling.
Yes, transactions related to online casinos are blocked as per compliance protocols.
Gambling expense analytics are not offered, since such operations are not permitted.
“Cooling-off” features are not needed given prohibitions on gambling transactions.
Bank does not provide direct gambling addiction support; users should consult specialized organizations.
No partnerships with gambling addiction assistance services.
Gambling expense notifications are not available; gambling transactions are blocked by policy.
Online casinos do not accept Punjab & Sind Bank payments due to regulatory restrictions.
No exclusive casino partnerships exist for this payment method.
Not applicable as use with online casinos is prohibited.
No bonuses or incentives exist for casino use, since transactions are restricted.
Deposits and withdrawals with online casinos are not supported.
Use in India is fully restricted as per local laws and RBI direction.
Transactions from Punjab & Sind Bank are blocked by casinos as per regulatory and compliance norms.
Processing does not occur due to regulatory blockage of these transactions.
Fees are not applicable as casino transactions are not supported.
Compatibility does not apply, as service does not permit casino transactions.