Punjab and Sind Bank Mobile Banking

Last Updated : May 5, 2025, 2:58 p.m.

Punjab & Sind Bank Mobile Banking provides customers with a secure, easy-to-use platform to perform banking transactions from their smartphones, anytime and anywhere. The bank’s official mobile app, called PSB UNiC, integrates core banking features, UPI services, and self-service tools into one digital solution.

It empowers users to check balances, transfer funds, pay bills, recharge services, and manage cards without visiting a branch—making banking smarter and faster.

Types of Punjab and Sind Bank Mobile Banking

Below are the types of Punjab and Sind Bank mobile banking options with their features.

Punjab and Sind Bank Mobile Banking Registration

To register on Punjab and Sind Bank mobile banking, follow the steps below -

Step 1: Download PSB UNiC App

• Open the Google Play Store or Apple App Store.
  
• Search for “PSB UNiC” (official app by Punjab & Sind Bank).
  
• Download and install the app on your smartphone.

Step 2: Start Registration

1. Open the app and tap on “New User Registration.”
   
2. Enter your registered mobile number (linked to your PSB account).
   
3. The app will send an OTP to that number—enter the OTP to verify.

Step 3: Link Bank Account

• Enter your Punjab & Sind Bank account number.
  
• Provide your debit card details (card number, expiry date, and ATM PIN).
  
• Authenticate using an OTP or card PIN.

Step 4: Set Security Credentials

• Create a Login Password (to access the app).
  
• Set a 4-digit MPIN (used for transactions like fund transfers).

Step 5: Activation Complete

You can now:

• Log in with your password or biometric login (if enabled),
  
• Access services like balance check, fund transfers, UPI, bill payments, and more.

Process to Login Punjab and Sind Bank Mobile Banking App

To log in to the Punjab and Sind Bank (PSB) mobile banking app, PSB UnIC, follow these steps:

Steps to Log In

1. Open the PSB UnIC App:
   • Launch the PSB UnIC app on your smartphone. Ensure it’s downloaded from the Google Play Store (Android 5.1+) or Apple App Store (iOS 11.0+).
2. Select User Type:
   • Choose Retail Account for individual users (or Corporate for business accounts).
3. Enter Login Credentials:
   • Input your Username or Customer ID (set during registration).
   • Enter your 4-digit MPIN (Mobile Personal Identification Number) created during registration.
   • Alternatively, if you enabled biometric login (fingerprint/face ID), use your fingerprint or face scan to log in.
4. Authenticate (if required):
   • For first-time login or added security, you may need to verify with an OTP sent to your registered mobile number.
   • Enter the OTP to proceed.
5. Access Dashboard:
   • After successful authentication, you’ll be directed to the app’s dashboard, where you can access services like balance inquiries, fund transfers, bill payments, and more.

Punjab and Sind Bank Whatsapp Mobile Banking

To start Punjab and Sind Bank WhatsApp mobile banking, follow the steps below -

Number to Save:

+91 8750252222 (Official WhatsApp Banking number)

How to Register & Use:

1. Save the number +91 8750252222 in your phone contacts.
   
2. Open WhatsApp and send “Hi” to this number.
   
3. You will receive a menu of available services.
   
4. Reply with the relevant keyword or number to access the service.

Benefits of Punjab and Sind Bank Mobile Banking

Here are seven key benefits of Punjab and Sind Bank (PSB) Mobile Banking through the PSB UnIC app:

1. Manage your account anytime, anywhere, without the need to visit a branch or ATM.
2. Perform transactions like balance inquiries, fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, mobile recharges, and chequebook requests seamlessly.
3. Instantly check balances, transfer funds, or view transaction history, saving time compared to traditional banking.
4. Ensures safe banking with MPIN, biometric authentication (fingerprint/face ID), and OTP-based verification.
5. Access a digital record of your transactions, reducing reliance on physical passbook updates.
6. Offers an intuitive interface with biometric login, making it easy for all users, including beginners.
7. Free or low-cost services minimize expenses associated with branch visits or paper-based banking.

Uses of Punjab and Sind Bank Mobile Banking App

You can use the Punjab and Sind Bank mobile banking application for the following -

How to Reset the Password of Punjab and Sind Bank Mobile Banking?

To reset the password (MPIN) for Punjab and Sind Bank (PSB) mobile banking using the PSB UnIC app, follow these steps:

Steps to Reset MPIN

1. Open the PSB UnIC App:
   • Launch the PSB UnIC app on your smartphone (downloaded from Google Play Store or Apple App Store).
2. Select 'Forgot MPIN':
   • On the login screen, tap the “Forgot MPIN” or “Reset MPIN” option.
3. Enter Details:
   • Input your Customer ID or Account Number (found in your passbook or bank statement).
   • Use the registered mobile number linked to your PSB account for OTP verification.
4. Verify OTP:
   • An One-Time Password (OTP) will be sent to your registered mobile number.
   • Enter the OTP in the app to authenticate your identity.
5. Provide Additional Verification:
   • Enter your Debit Card details (card number, PIN, and expiry date) or use existing internet banking credentials (if applicable) for verification.
   • Alternatively, a Bank Token (if issued) may be used.
6. Set New MPIN:
   • Create a new 4-digit Mobile Personal Identification Number (MPIN) and confirm it.
   • You may also need to reset your TPIN (Transaction Personal Identification Number) for authorizing transactions.
7. Confirmation:
   • After successful submission, you’ll receive a confirmation message or SMS indicating the MPIN has been reset.
   • Log in with the new MPIN or biometric authentication.

Punjab and Sind Bank Mobile Banking Transaction Limit

The transaction limits for Punjab and Sind Bank mobile banking are as below -