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Virtual Wallet app for iPhone and iPad

4.0 ( 8800 ratings )
Productivity Finance
Developer: PNC Bank, N.A.
Current version: 6.3.1, last update: 6 months ago
First release : 05 Aug 2009
App size: 49.39 Mb

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

Pros and cons of Virtual Wallet app for iPhone and iPad

Virtual Wallet app good for

Actually not a bad app. Mirrors most of the site functionality.
Really great app. User friendly layout and puts all the important features like the money bar where you can see them easily. Mobile deposit works flawlessly and makes life way easier. Overall great app.
I dont have a long time using the app but I love it so far. But I would add an update so I can view things like quick view on my apple watch. It would be nice to do that without taking your phone out
The Virtual Wallet app is great its really user friendly. Once I connected my credit card to my checking on online banking I saw everything so I was able to do transfer and see what rewards I had and also get more cash back with purchase payback
This app usually works well for me. Not a one-stop-shop for all PNC banking needs but it gets the job done for me in terms of my checking account. However, there is now a bug in the app that makes each transaction dated from a different month. All of them are dated in months that have not even happened yet. Please fix! Would like to know actual dates of stuff
This is a wonderful mobile banking app. Its easy to use and very useful. And very user friendly. Thanks PNC for this great service.

Some bad moments

The app used to function flawlessly. Now, 99% of the time I cant use the mobile deposit function. It always says the pictures are unclear. I never had this problem until recently. Please fix this ASAP, going to the bank to make a deposit is such an inconvenience and Ive had to do it 5 times in the last week.
Fine app but terrible bill pay functionality. Cannot view amounts due or payment history. Pretty standard features among bank apps. No point in paying any bills through the app except maybe fixed price bills. Needs update ASAP.
This used to be a wonderful app and the mobile deposit was the best feature. There are two major glitches now. First, there is always an error when trying to log on. You have to try to login at least twice. Also, since the most recent update, mobile deposit doesnt work right. It always says the image is unclear. Please fix!
I cant check recent credit card activity, so whats the point of the app?
Always crashes, can never log in because of errors. When it does work it is great! Waste of space on phone since it rarely works.
This app used to be better than most other banking apps but it has since been eclipsed by the competition. Even after resetting my password it says my password doesnt match. Also, all the other banking apps I use utilize Touch ID. Chase, Citi, and Capital One are all superior in my opinion.

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