How to Know Customer ID of PNB Bank

Another story for you, my client, Mr. Rajesh, a small business owner from Kanpur, was recently trying to register for the PNB One mobile app to manage his NEFT transactions. But he got stuck when the PNB app asked for his Customer ID, and he had no idea what that was or where to find it.

Sound familiar?

Just like Rajesh, thousands of PNB customers get confused by the term “Customer ID or CIF or User ID”—mostly, when suddenly required for mobile banking, online logins, or even simple service requests.

Don’t worry, I am here to help. Hi, I am Nanne Parmar, working in digital banking since 2018. This guide will walk you through everything, step by step and solve your issue within a minute.

So, without wasting time, let’s begin the guide –

What is the Punjab National Bank Customer ID?

PNB is one of the oldest banks, it holds the position of the second-largest public sector bank in India. According to the Punjab National Bank Wikipedia Page, the bank has a massive customer base of over 20 crore people, and last report in 2025, the bank has clocked a revenue of around ₹1.38 lakh crore (US$16 billion).

To serve this large number of 20 cr users efficiently and securely, PNB assigns each customer a unique identifier known as the Customer ID or CIF Number.

Your PNB Customer ID is a unique identification number assigned to you when you open an account. It could be 7 to 9 digits long, and in some cases, it may start with letters (called an alphanumeric ID). For example, (AGY002525).

It acts like your digital identity in the bank’s internal system.

Where Is CIF ID Used?

Your PNB CIF Number is used in various essential banking functions and services. Here are a few examples:

• SMS Banking Registration
• Accessing your PDF e-statements
• Internet Banking login
• PNB One mobile app registration
• Lodging complaints
• KYC updates and more

Knowing your customer ID or CIF is very important, it saves your time, visits to a bank branch, and helps you to access all your offline and online banking services easily.

To retrieve it, let’s start with one of the easiest methods offered by PNB Bank –

1. Get Customer ID Using PNB One App

Yes, in 2025, this is still one of the fastest ways to retrieve your ID directly from your smartphone. All you need is, internet and a registered mobile number. Here are the steps to follow –

1. First, you need to install the PNB One App. If you already have it, make sure it is the latest version.
2. Open the app dashboard and accept the Terms of the app and tap on Next.
3. Tap “Proceed to Login”.
4. Select “Trouble Signing In?”, then choose the “Check Your User ID” option.
5. Enter your full 16-digit Account Number.
6. Now, select your DOB or enter your 10-digit PAN Card number and tap on the verify button.
7. You will receive an OTP on your registered mobile number.
8. Enter the OTP, and your Customer ID will be displayed on the screen.

Tip: Keep a record of it in your private notebook for future use.

2. PNB Net Banking (Without Login)

This method is quite similar to the first one, but here you do not need to enter login credentials and no need to download the PNB One app. Here, you need a web browser and your account number. Let’s check how it works –

1. Visit the official website of PNB Bank and tap on the Retail Internet Banking Portal.
2. Click on “Know Your User ID”, just below your login section.
3. Enter your 16-digit account number, DOB or PAN, and registered mobile number.
4. An OTP will be sent to your phone—enter it.
5. Your Customer ID (same as User ID) will be shown on the screen.

If You’re Already Logged In

As per Pihu AI Assistant by PNB, if you’re already logged in:

• Go to your account overview, then tap on My profile to access the account details section on the website.
• Your Customer ID / CIF Number will be listed there.

3. Use the PNB Complaint Portal (Account Number Only)

If you only have your account number on hand, you can still recover your PNB CIF no. Follow these steps:

1. Visit the PNB Complaint Portal: PNB Complaint Portal.
2. Enter your account number and the captcha shown on the screen.
3. You’ll receive an OTP on your registered mobile number.
4. Select any complaint option, such as “Failed Transaction”.
5. Enter the OTP and tap Submit.

After submission, your customer ID, along with your account holder’s name and other details, will be displayed. You can print it too.

4. Check Documents: Welcome Letter and Passbook

If you are not comfortable with online methods and are having trouble, this method is for you. You have to check your few important documents received from PNB to retrieve your PNB user ID. Here are a few names –

• Welcome Letter: Found at the top, along with your name and account number.
• Passbook: Check the front page under labels like Customer ID, CIF ID, or No. It is usually below your name and account number.
• Cheque Book: Usually printed on the inside front page.
• Printed Bank Statements: Your ID appears near the top header.
• Credit Card Statement: If you looking Customer ID of your PNB Credit card account, please check the top of the paper that was received with the card.
• E-statements: Please check your e-statement that you receive every month from PNB Bank. If you not receiving, follow these steps to activate it –

Check monthly e-statement for PNB Customer ID

1. Log in to PNB Internet Banking.
2. Navigate to: Other Services > Service Requests > Email Statement Registration.
3. Once activated, you’ll receive PDF statements monthly.
4. Open the emailed PDF using your account number as the password.
5. Your Customer ID will be listed at the top along with other account information.

Call PNB Customer Care or Visit the Nearest Branch

Last but not least, if the online methods don’t work for you, or if you prefer speaking to someone directly, you can always contact PNB Customer Care. They need to verify you first, but once it’s complete, you can get your CIF no easily. Here are the numbers to contact –

PNB Customer Care Numbers (Toll-Free 24/7):

• 1800 1800
• 1800 2021

Email Support:

• care@pnb.co.in

You can also visit the nearest branch using the PNB Branch Locator. Bank staff will assist you in retrieving your ID.

PNB WhatsApp Banking:

• Save +91-9264092640 to your contacts.
• Send a message like “Hi” or “Hello” for help.

FAQs

We hope this guide made it super easy for you to find your Customer ID, just like it helped Rajesh in Kanpur.

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For more bank customer ID or CIF recovery guides, visit our complete list here: Find Every Bank CIF or Customer ID List

Disclaimer: Information shared here is based on publicly available sources and personal experiences. Please verify with PNB Bank for the latest updates.