Philippine National Bank says PESONet transfers will not be processed on Monday, November 2, 2026, while the country observes All Souls’ Day as a special non-working day.

The bank’s advisory gives one practical cut-off: PESONet transfers submitted after 3:00 p.m. on Friday, October 30, through Monday, November 2, are scheduled for processing on Tuesday, November 3.

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What PNB customers need to know

PNB’s published schedule covers outgoing PESONet transfers in PNB Digital:

Transaction period Processing date
After 3:00 p.m. on Friday, October 30, through Monday, November 2 Tuesday, November 3

This means a transfer can still be submitted during the holiday window, but PNB says it will wait for the next processing date. The recipient should not be promised same-day arrival during that period.

For an urgent transfer, PNB tells customers to use InstaPay. InstaPay is the real-time alternative, but the sending bank’s fee, per-transaction limit, account status and any maintenance notice still apply.

Why November 2 changes the schedule

The Philippine government lists November 2, 2026, as an additional special non-working day for All Souls’ Day. PESONet is a batch electronic funds transfer service, so bank cut-offs and banking days affect when a submitted instruction enters processing.

The November 2 rule in this story is PNB’s own published timetable. Customers of another bank should check that bank’s advisory rather than assume it uses the same cut-off.

Before sending

If the payment is time-sensitive, confirm the recipient details and decide whether the amount fits your bank’s InstaPay rules. If it can wait, keep the PNB transaction reference and check the status on November 3 before sending a second transfer.

Do not resend only because the money has not arrived during the holiday window. A duplicate transfer may also process when PESONet resumes.

Sources

For the basic difference between the two rails, see InstaPay vs PESONet.