PNB ATM Customer Care Number: Expert Guide to Fast, Secure Help

Official PNB ATM Customer Care Numbers (24×7)

Punjab National Bank (PNB), established in 1894 and now one of India’s largest public sector banks after the 2020 merger with OBC and United Bank of India, operates a nationwide helpline for ATM and debit card issues. The customer care lines below connect you to the interactive voice response (IVR) system and to human agents for urgent support such as card hotlisting, failed ATM cash withdrawal complaints, PIN-related help, and ATM dispute status.

These helplines are widely published by PNB and are available round-the-clock. Keep your registered mobile number reachable while calling, as the IVR may send OTPs to authenticate your request. For security, never share your ATM PIN, CVV, or full card number with anyone claiming to be from the bank.

• 1800 180 2222 (Toll‑free, 24×7) — General customer care, ATM/debit card support, complaints
• 1800 103 2222 (Toll‑free, 24×7) — Alternate toll-free line for the same services
• 1800 180 2345 (Toll‑free, 24×7) — Dedicated line frequently used for debit card hotlisting/blocking
• PNB website: https://www.pnbindia.in — Contact Us, service requests, and grievance redressal

When to Call the PNB ATM Helpline

Call immediately if your PNB debit card is lost, stolen, or skimmed; if an ATM swallows your card; or if you notice an unauthorized transaction or receive a cash-not-dispensed issue (account debited but no cash). Faster reporting reduces liability and improves recovery chances. RBI’s guidelines to banks require quick reversal for failed ATM transactions, and PNB’s IVR has specific flows to register such complaints efficiently.

Other valid reasons include PIN reset support, international usage activation, suspected ATM tampering, card not working at merchant POS, daily limit clarifications, or to check the status of an existing ATM dispute. If possible, note the ATM ID (printed on the machine or receipt), date/time, transaction amount, last four digits of your card, and the exact error message—these details speed up resolution.

What to Keep Ready Before You Call

Have your 16‑digit debit card number or the last four digits, registered mobile number, and account details ready. The IVR may ask for your date of birth, customer ID, or portions of your card number for verification. For dispute logging, keep the transaction reference number and location/ATM ID; if a slip was printed, don’t discard it.

If you don’t have the reference number (common in cash-not-dispensed cases), the exact timestamp and ATM location are usually enough to trace the transaction. For unauthorized transactions, also keep a quick list of your recent legitimate transactions so you can confirm which entries are disputed when you speak to the agent.

Step-by-Step: Reporting an ATM Issue via IVR

PNB’s IVR menu is periodically updated, but the flow for ATM/debit card help is consistent. After dialing one of the toll‑free numbers, you’ll typically be asked to choose language and then a service category. If you cannot find the exact menu, wait for the “speak to an executive” option—hotlisting and disputes are treated as priority.

For critical security issues (lost/stolen card or suspected fraud), use the hotlisting option first; this instantly blocks the card to prevent further misuse. You can then file the dispute separately. If calling from your registered mobile number, the system may auto-recognize your account and reduce the verification steps.

• Dial 1800 180 2222 or 1800 103 2222; select your language.
• Choose “Debit Card/ATM” services; then select “Hotlist/Block Card” for lost/stolen, or “Report Transaction Issue” for cash-not-dispensed/failed transaction.
• Enter last four digits of the card and confirm your identity (DOB/OTP as prompted).
• For disputes: provide date/time, amount, ATM location/ID, and brief description (e.g., “Cash not received, account debited”). Note the complaint/Service Request (SR) number.
• Save the SR number and ask the agent for the expected turnaround time and next steps (SMS/email confirmation is typically sent).

Refund Timelines, RBI Rules, and What to Expect

For domestic ATM cash-not-dispensed or partial-dispensation disputes, RBI mandates that banks resolve and credit the customer within a defined timeframe once a complaint is registered. In practice, banks aim to complete investigation within a few working days; however, complex interbank transactions may take longer. RBI’s compensation guideline provides for Rs 100 per day for delays beyond 5 working days from the date of complaint registration, subject to conditions and applicable caps.

File your complaint as soon as possible—ideally within 30 days of the transaction—to stay within chargeback windows and avoid documentation challenges. Keep all SMS alerts, mini statements, and ATM receipts until the matter is closed. If the amount is not reversed within the stated TAT, follow up with your SR number; ask for a written update via SMS or email. You can also check status using PNB’s digital channels (PNB One app or Internet Banking) where available.

If cash was actually dispensed and taken by another person, or if the CCTV shows cash delivery, banks may deny the claim. In such cases, request the dispute evidence summary. If you believe the decision is incorrect, escalate with supporting facts (timestamps, non-receipt proof, duplicate debits) as outlined below.

Alternate Channels and Escalation Path

Besides phone, you can raise and track ATM complaints through PNB’s official channels: the PNB One mobile app, Internet Banking (Service Requests/Disputes), or the “Contact Us/Grievance Redressal” section on https://www.pnbindia.in. Submitting via digital channels creates a traceable ticket with timestamps and supporting documents (screenshots, receipts) attached.

For unresolved issues, escalate to the Branch Manager of your home branch with the SR number and a written application. If still unresolved, approach the PNB Nodal/Principal Nodal Officer via the grievance portal on the bank’s website. As a last resort, you may lodge a complaint under the RBI Integrated Ombudsman Scheme (https://cms.rbi.org.in) or call the RBI Ombudsman toll‑free 14448 (Monday to Friday, during working hours). Keep copies of all correspondence and acknowledgments.

PNB Corporate Office (for reference and formal correspondence): Punjab National Bank, Plot No. 4, Sector 10, Dwarka, New Delhi – 110075. When sending physical documents, use trackable courier and include your SR number, contact details, and photocopies of evidence (not originals).

Fees, Limits, and Practical Tips for ATM Safety

Hotlisting/blocking a lost or stolen debit card via the helpline is free. Replacement card issuance and re‑PIN may attract charges as per PNB’s Schedule of Service Charges (check the latest rates on https://www.pnbindia.in); across large public sector banks, replacement typically ranges around INR 200–300 plus GST, but refer to PNB’s official tariff for exact fees. Dispute registration for failed ATM transactions is not chargeable.

ATM withdrawal and purchase limits vary by PNB debit card variant. As a general guide, daily cash withdrawal limits often range from INR 25,000 to INR 100,000, and POS/e‑commerce limits may be higher; your specific limit is printed in your welcome kit or visible in PNB One/Internet Banking. If you need a temporary limit increase (e.g., for travel), call customer care or use digital channels to request it, subject to risk checks.

To minimize ATM risks: use PNB or well‑lit bank ATMs, shield the keypad, avoid help from strangers, and enable transaction alerts on your registered mobile. If an ATM appears tampered (loose card slot, unusual attachments), cancel the transaction and report it via 1800 180 2222 right away. In case of a power or network glitch, wait for the ATM’s final message; if cash isn’t dispensed but the account shows debit, raise a complaint immediately and retain the slip or note the ATM ID.

Quick Recap

Primary numbers to remember: 1800 180 2222, 1800 103 2222, and 1800 180 2345 (all toll‑free, 24×7). Use them to hotlist your debit card instantly, log ATM disputes, and track resolutions. Keep your SR number and evidence handy, adhere to RBI timelines, and escalate methodically if needed.

For the most current menus, charges, and service windows, always cross‑check on PNB’s official website (https://www.pnbindia.in) under Contact Us and Grievance Redressal. This ensures you use the latest process and receive timely, accurate support.