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first of all you have to open pnb one application and you have to complete the login process once the application is completely started this is the kind of basic interface you will be able to see on your mobile screen you have to scroll down and you look for pay and transfer and in that select manage beneficiaries on the next page you will be able to see the account which you have already added as a beneficiary account but if in case you have not added any particular account you can see there is an option of add beneficiary you have to select that on the next page you can see you get to option pnb and other so you have to select pnb option if you are adding any account which is in the same bank which is the pnb bank but the beneficial account which you are adding is of some other bank then you have to select other option so I have selected other option over here because I am adding a bank account of other Banks so you have to enter all the details and then you can simply click on view