Druk PNB Bank Limited(DPNBL) incorporated in Bhutan is a Joint Venture Bank with 51% share holding by Punjab National Bank, a leading public sector Bank in India.

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Timeframe for unsuccessful customer ATM Txn complain/ATM Charge back


  1. A customer shall file the chargeback complaint with Issuer bank within 60 days from the date of transaction.
  2. After the customer files the complaint with the issuer bank, the bank shall raise the chargeback within 5 working days. the card Issuer Member shall furnish all document support of Cardholder’s transaction dispute to the Acquirer bank.
  3. Acquiring bank will acknowledge the chargeback (Accept/decline) within 7 working days after the chargeback is raised and issuer bank shall settle the customer’s account the next day.


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