Microsoft Wallet

Now Available for PNC Customers

With Microsoft Wallet, you can now use your eligible Windows phone to make purchases at many of your favorite merchant locations using your PNC credit and debit cards.

Get Started Now

Have Questions?

Microsoft Wallet is a convenient new mobile payments service that lets you use your eligible Windows phone to make purchases in a snap. PNC customers can now add their consumer and small business credit and debit cards to Microsoft Wallet and start making purchases at millions of merchant faster than ever before.

Cardless Convenience

  • By enrolling your eligible PNC credit and debit cards in Microsoft Wallet, there’s no need to pull out your wallet when making everyday purchases at your favorite stores. Simply tap, pay, and be on your way.
  • When you make a purchase using Microsoft Wallet, a substitute device account number and a transaction specific code are used to process payments instead of your card number. Your card number is never shared with the merchant.
  • Best of all, with Microsoft Wallet you still get all the rewards and benefits that your PNC credit or debit card already provides.
  • Your Microsoft Wallet transactions are covered by the same PNC security & privacy that protects your PNC credit and debit cards.


Get Started Now

  • It’s easy to add your PNC debit and credit cards to Microsoft Wallet. Simply open the Microsoft Wallet app on your Lumia 650, Lumia 650 Dual SIM, Lumia 950 or Lumia 950 XL running Windows 10 or higher to get started.
  • Your phone’s camera can be used to scan in your card information, so all you have to do is confirm your personal details. Microsoft Wallet will perform a quick validation with PNC before the card is ready to use. 
  • With Microsoft Wallet, making a purchase is as easy as pulling out your phone. Your Windows phone will automatically wake up when held near a contactless payment terminal. To pay, simply enter your PIN on the screen and hover your phone near the terminal to finalize the transaction.
  • A confirmation message on the payment terminal will let you know your purchase was successful, so you can breeze through checkout lines faster than ever before.





Frequently Asked Questions

Don't have a PNC credit card?

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Where can I use Microsoft Wallet?

Microsoft Wallet is a convenient new mobile payments service that lets you use your eligible Windows phone to make purchases almost anywhere you can tap your card. When you're ready to check out, simply look for the contactless payments symbol where you normally swipe your card.

If you see this symbol at checkout, just hold your Windows phone in front of the secure reader to send your payment. A message on the payment terminal will let you know your payment was successful.

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Security & Privacy

We are committed to protecting the security and confidentiality of your information.

Learn More »

Important Legal Disclosures and Information

PNC MasterCard® and commercial credit cards are not eligible at this time.

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.

Visa is a registered trademark of Visa International Service Association and used under license.

MasterCard® is a registered trademark of MasterCard International

SmartAccess® is a registered trademark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC