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Updated July 2026 · real, multi-region App Store reviews
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PNC Mobile Banking

55
Value score / 100 Worth paying? No Skip it

PNC Mobile Banking is a free app with a high lifetime rating, but recent user reviews highlight significant issues with app stability, functionality, and customer service, especially for those migrated from First Bank, making its overall value questionable despite some users finding it easy and convenient.

Free to download seen up to $825 4.8★ lifetime (1,980,316) since 2009

PNC Mobile Banking has a high lifetime rating, but recent reviews reveal widespread problems with app freezing, login issues, and limited functionality, particularly concerning Zelle and money transfers. Many users, especially former First Bank customers, express frustration with the transition and poor customer service, overshadowing positive comments about ease of use and convenience for basic banking.

Free vs paid

The app is free to download and use, with no explicit in-app purchases mentioned for features, but users report fees for certain transfers R31 and issues with Zelle limits R56. The core banking functionality is accessible without direct payment, but some services, like Zelle, have limitations that users find restrictive.

Value complaints

  • Users complain about ridiculous fees for transferring money, especially compared to previous banks that offered it for free.R31
  • The app has limited transfer capabilities, with users reporting daily and weekly limits that are too restrictive for their needs.R56
  • Some users experienced multiple overdraft fees due to depositing funds after a certain time.R68

Where it delivers

  • Many users find the app easy to use and convenient for mobile banking, including sending and transferring money.R1R6R11R13
  • Some customers appreciate the good customer service and friendly staff at local branches or over the phone.R1R10R35R41
  • The app is generally available and responsive for some users, making banking accessible anytime.R14R73R76
  • Users like the ability to track money instantly and the fairness in penalty policies.R79R93
Worth paying if

There is no paid tier for this app, as it is a free mobile banking application. Users do not pay for the app itself, but rather for banking services, some of which incur fees R31.

Skip / stay free if

You should skip PNC if you prioritize a stable and reliable banking app that rarely freezes or has login issues R15R27. It's also not recommended if you frequently use Zelle for business or need to send large sums, as users report limitations and difficulties with Zelle functionality R17R22R56. Furthermore, if you are a former First Bank customer, be aware of many complaints regarding the transition, lost contacts, and poor customer service R3R31R39.

Evidence note: The reviews are heavily skewed by negative experiences from users who were migrated from First Bank, leading to numerous complaints about the transition and app functionality. While there are many positive reviews praising ease of use, the recent negative feedback highlights significant reliability and customer service issues.

Frequently asked

Is the PNC Mobile Banking app reliable?
Recent reviews indicate that the PNC Mobile Banking app is often unreliable, with users reporting frequent freezing, crashing, and login issues, especially after updates R5R15R23R27.
What are the common complaints about PNC's Zelle feature?
Users frequently complain that PNC's Zelle functionality is limited, only available on mobile, difficult to manage contacts, and has restrictive daily and monthly transfer limits R5R17R22R56.
How has the transition from First Bank to PNC affected users?
Many former First Bank customers report a negative experience after the transition to PNC, citing problems with slow service, lost Zelle contacts, poor customer service, difficulties with account management, and even impacts on credit scores R3R31R39R52.
Are there issues with money transfers and bill payments in the app?
Yes, users report slow transfer times, difficulty setting up autopay, limited options for paying bills (e.g., only minimum or full balance for credit cards), and issues with transferring money between accounts or to external non-PNC accounts R21R29R52R54.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R31] 1/5 · US Why the hell did you have to buy First Bank???: Recently switched from First Bank to these dingalings. It’s awful. This app is incredibly slow and poorly optimized compared to First Bank. Not to mention the ridiculous fees for transferring! A smaller bank made it FREE. Absolute insanity how many things are now a cash grab!
  2. [R56] 1/5 · US Useless digital service: Have you ever wanted to send money to someone, but were limited to tiny increments well welcome to pnc Mobil banking. Pnc put the settlement money in my account instead of sending it to the correct recipient and now can only be transferred at a rate of 2k per day and 5k per week. Customer service had great ideas like use Zelle, which has a 1k per day 5k per month limit. Us
  3. [R68] 1/5 · US Take a way: Closing account as soon as nothing is pending. I have so many overdraft fees from depositing funds after 8pm but before midnight. Awful
  4. [R1] 5/5 · US PNC Great Bank: I love this bank, it’s ease to use , and my local branch is so friendly ! 5 Star for sure ⭐️⭐️⭐️⭐️⭐️
  5. [R6] 5/5 · US Mobile banking app: Easy to use. Easy to send and transfer money.
  6. [R11] 5/5 · US Best Bank ever.: I love PNC banking app, it’s so convenient for me.
  7. [R13] 5/5 · US Best convenient app: Makes having to go visit the bank in person for less of a hassle and more convenient
  8. [R10] 5/5 · US Pastor Taiwo Ayeni: Great bank and great service
  9. [R35] 5/5 · US Customer service: Good help over the phone
  10. [R41] 5/5 · US Happy customer: Very satisfied with my banking experience
  11. [R14] 5/5 · US Always available: Rarely is the app down or unresponsive. Easy to use and navigate.
  12. [R73] 5/5 · US Review: Love the app! Access to my banking anywhere, anytime. Works great all the time!
  13. [R76] 5/5 · US Since 2000: I’ve been a customer since 2000 and love my PNC app and all the services they provide.
  14. [R79] 5/5 · US Fairness in penalties: I live from pay check to pay check. Sometimes money doesn’t come when the date says something is due. Being able to find money to cover something before an overdraft charge would have saved me so much heartache over the last 50 years Banks don’t have a reputation for being so magnanimous. This is a positive action Thank you for doing something in the favor of your custom
  15. [R93] 3/5 · US Slow transfer time: Slow app all around but I like that money is taken out and put in almost instanly. Much easier to keep track of where your money is going.
  16. [R5] 5/5 · US PNC app: App tends to freeze more than it should. Zelle wants to work every so often
  17. [R15] 1/5 · US Super glitchy this week: Having access to your bank account is crucial at all times. I’ve been all week I rarely am able to get into my account. Super frustrating as a member. Very glitchy, fix asap. Week of July 6th, 2026.
  18. [R23] 1/5 · US Was good now bad: This app use to be good but since they added the Face ID login it’s pretty bad, it crashes at some point just about every time you use it.
  19. [R27] 2/5 · US Hate this app: This app NEVER loads. I haven’t been able to access my account via the app in weeks. Idk if there’s a bug, but I can’t even report it because the app just spins, it won’t login or let me do anything on the login screen.
  20. [R17] 1/5 · US Zelle is horrible: Zelle is impossible to delete contacts and that opens a window to send money to wrong person. Well that happened to me and Zelle and PNC said they don’t care at all. They take no fault in their app capabilities and restrictions. Be careful choosing PNC.
  21. [R22] 1/5 · US Zelle: Zelle functionality is terrible. I cannot send from multiple accounts like I could with First bank. This is a huge loss for me.
  22. [R3] 1/5 · US Worst Possible Bank Ever! Very upset Firstbank sold to them.: PNC bank is horrible i dont know why everyone thinks its so great. Im very frustrated that Firstbank transferred/got sold into whatever this is, PNC is very slow and overall sucks. I miss Firstbank that company was so amazing and worked very well and fast i never had a problem with them in all my 3 yrs of being with them and Its been le
  23. [R39] 1/5 · US Person: Thanks for costing me a whole lot of time and money on youur 1st Bank takeover.
  24. [R52] 2/5 · US External transfers: First Bank used to give us the ability to send an external money transfer to a non-PNC account that I was not listed as an owner on the account. I hear today that it’s not available through PNC.
  25. [R21] 1/5 · US Took 6 in person visits!!!: How hard can it be to set up autopay to my landlord who also banks at PNC?! Bankers don’t get the training… transfer NO bill pay NO Zelle NO
  26. [R29] 2/5 · US Early deposit: What bank doesn’t have early direct deposit? PNC. I didn’t know that or I never would’ve opened an account.
  27. [R54] 1/5 · US App is confusing: I have a joint account with my husband and I can’t see what bills he has in the queue so we have double paid. It is difficult to find things and understand what is in your account. Considering it is a joint account you should be able to see what is going out.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store