Welcome to PNC’s Virtual Wallet!

Bank when and where you want with our secure and convenient extension of your Virtual Wallet bank.


Mobile Check Deposit (i)

Use your camera on your mobile device to deposit checks using our improved automatic image capture.

Money Bar® Preview

See a snapshot of your Free Balance, Scheduled Out and Reserve balance without having to sign on.


The new way to send money simply, securely, to almost anyone in minutes.

Quick View

Get an overview of your account balances, quick access to your online statements and a list of your most recent transactions.

Money Bar and Calendar

Access your Money Bar and Calendar within the app from the upper right corner.
• View your Calendar to see your past, current and known future transactions.
• Use Money Bar to see what’s free to Spend, Scheduled Out and in Reserve.


View your Virtual Wallet pending and posted transactions, and categorize what you’ve spent to take advantage of our Spending + Budgets feature.

Spending + Budgets

Manage your money by tracking your spending, creating budgets and setting up budget alerts.

Savings Engine®

Visualize your savings progress, create Savings Rules and set up Savings Goals to help manage your progress on items big or small.

Punch the Pig®

Tap your personalized pig to move money from your Spend to your Growth account and start saving today.

Additional Features

Pay Bills – Use PNC’s convenient and easy bill payment tool to manage all your bills.

PNC Purchase Payback® (ii) – A rewards program designed specifically for you, based on where you like to shop, dine or have fun. It provides offers at your favorite retailers, or suggests similar businesses that we think you’ll like.

Touch ID – Sign on to Virtual Wallet with Touch ID supported iOS devices.

Locked Out? – Reset your PNC Online and Mobile password quickly and conveniently.

Transfer (iii) – Transfer money between your PNC deposit accounts.

Security & Privacy – With PNC’s Security & Privacy, you can be confident that your personal and financial information will be protected while using Virtual Wallet.

PNC Online Banking customers without a Virtual Wallet account should use the PNC Mobile Banking app, which is also available on the App Store. Both apps may run on the same device.

(i) PNC does not charge a fee for Mobile Banking. However third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

(ii) Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you received offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer. PNC Purchase Payback is a registered mark of the PNC Financial Services Group.

(iii) A federal regulation limits the number of transfers that may be made from a savings or money market account. Please see our Consumer Schedule of Service Charges and Fees for additional information.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc. ©2017 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

What's New

Version 6.5.0

Thanks for being part of the Virtual Wallet family! We’re continuing to work on improving our app’s performance and general usability, and we’ve made a bunch of smaller improvements in this update.
Some of what’s new in this version:
-Include or remove your PNC Credit Card from within your Virtual Wallet Preferences
-Improved accuracy of the Savings Engine Wish List sliders

Ratings and Reviews

4.1 out of 5

5.4K Ratings

5.4K Ratings

I hate PNC Bank!!

Would be Loyal Customer

I have been a PNC Bank customer for four years and it is the worst! It really is not for small customers because if you're not making the kind of money where you can pay all your bills and still keep hundreds of dollars in the account then you'll never be able to cash a check. I don't care what kind it is or who it is from. I had to cash a state treasury check at another bank before because PNC wouldn't let me because I didn't have enough money in my account to cover the check. It doesn't matter how big or small the check is, you will have to go somewhere else to cash the check which is redundant, especially when some people only get bank accounts so they can cash checks without issue and or for free. The app is terrible. Crashes repeatedly. They told me to download it to deposit the checks so that I could have the money available immediately to me. After I finally got through the whole process without it crashing, I still couldn't get any cash and all I wanted was a little pocket change for the weekend. Plus, if it did do it, it was gonna charge me two dollars. For a dollar more, I could have just took the checks somewhere else and got them cashed. Pointless. I'm just done. Mother's Day weekend and thanks to my sorry bank I can't even make sure I have money in my pocket for it. This was last time going through this with PNC. I hope they get what they deserve!

Great concept and solid practical web interface with 1-2 issues


Virtual Wallet is an excellent idea and solid implementation. I could go on and on about it’s usefulness in tracking, organizing, and paying for expenses (bill pay is great!!) all integrated together. I have two minor issues ...1) the money bar feature is occasionally inaccurate, leading me to believe I have more money free to use than I do (thinking I had less would be the “better” error for not over-drawing). It happens for one day only sometimes when a “scheduled out” comes due but doesn’t yet show as “pending.” The “available” and “free” calculations suddenly inflate for a day (while the expected payout seems to be in no-mans land), before returning to an appropriate amount the following day. 2) the budgeting part of the web app doesn’t let me customize the date range for a month ... a problem for me since I get paid on the 30th of every month and spend that money the next month. It would be much more natural to plan the month’s expenses with the income from that day before the month started (as opposed to being “in the red” every month until the last day since it examines income to expenses). Other than those 2 things, it’s great!!’nn

Like it but....


I really like this app but.....
I don’t understand why there’s two separate apps.
The main website contains all the information that you need but it is not ideal for a mobile phone.
Each app has information that the other one doesn’t. You have to look at both apps each time you want to pay bills or reconcile your account.
It’s just easier to use the website on my phone even though it doesn’t work the best. One example is, if I click on a check number to find out what that check is for the pop-up box is hard to find and see on the phone.
Both don’t contain the actual calendar that you get on the main website and you can’t set up reminders.
It’s very frustrating especially when I do ALL my banking online. It seems like such a waste to have both apps when they are both not thorough. Although the virtual wallet app is definitely better than the PNC app.
I have spoken to someone at a branch and they gave me to a number to call. On that call I explained this situation. We even got on the different apps and website at the same time. She was able to see the differences. She stated that she would pass along the information. About 2 to 3 weeks later PNC did a update on the regular app and I was hoping that there would be at least some improvements but there was none!
So even though I’m not totally pleased with the apps I am pleased overall with the combination of the apps and the website.
It’s just too bad I have to use both apps to do what I need to do.


PNC Bank, N.A.
52.4 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2018 PNC Bank, N.A.


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