How to Withdraw BISP Payments Using Banks, ATMs in 2025: Step-by-Step Guide

The Benazir Income Support Programme (BISP), Pakistan’s flagship social protection initiative, has made it available to withdraw payments through ATM for beneficiaries, making the collection of stipends more convenient, transparent, and secure.

For years, payments were distributed through cash camps or agents, where families often faced long queues, delays, and even unfair deductions. The new ATM option allows beneficiaries to withdraw money anytime, similar to regular bank customers, reducing dependency on scheduled camps.

Why ATM Withdrawals Are Better

The government highlights several benefits of switching from traditional collection methods to ATMs:

• Time saving: No more standing for hours in long queues.

• Direct access: Payments go straight to the beneficiary without middlemen.

• Privacy and dignity: Funds are collected in private booths like any other bank customer.

• Flexibility: ATMs are available 24/7.

• Transparency: Beneficiaries receive the full amount without cuts.

• Security: Biometric verification ensures only the rightful person can collect the stipend.

This reform is part of BISP’s broader shift toward digital banking and financial inclusion.

Confirming Payments Before Visiting ATMs

Beneficiaries are advised to confirm that their payment has been released before visiting an ATM.

• Send your 13-digit CNIC to 8171 via SMS.

• A reply will confirm whether payment is available, the amount, and any further instructions.

• If the message says payment is not yet available, wait until confirmation before visiting an ATM.

Banks Supporting BISP ATM Withdrawals

As of 2025, BISP has partnered with several banks for stipend distribution:

• Habib Bank Limited (HBL) – the largest partner with wide ATM coverage.

• Bank Alfalah – also supports BISP ATM withdrawals.

• Other partner banks – being added gradually under the digital expansion plan.

⚠️ Note: Only ATMs equipped with biometric scanners can process BISP transactions.

Step-by-Step Guide: How to Withdraw BISP Payments

1. Visit the right ATM – Choose an HBL, Bank Alfalah, or other partner ATM with biometric scanning.

2. Choose withdrawal method:

   • BISP Debit Card – Insert card, enter PIN (usually last 4 digits of CNIC), and select “Cash Withdrawal.”

   • CNIC and Fingerprint – Enter CNIC number and verify via biometric scanner.

3. Check balance – Always confirm available funds before withdrawing.

4. Withdraw stipend – Select “Withdrawal,” enter amount, and collect cash along with a receipt.

5. Secure money – Count cash discreetly, store it safely, and leave the booth promptly.

Common Issues and Solutions

• Fingerprint mismatch: Wash/dry hands, try again lightly, or use another ATM. Persistent issues require visiting a BISP tehsil office.

• ATM out of cash: Attempt later or use another machine.

• Transaction fails but balance deducted: Keep the slip, wait 2–3 working days for reversal, or contact the bank/BISP helpline.

• Wrong PIN attempts lock card: Reset PIN at the issuing bank branch.

• Out-of-service machine: Cancel immediately and avoid repeated retries.

Can Someone Else Collect the Payment?

No. Payments can only be withdrawn by the registered beneficiary, as biometric verification is mandatory. Even if CNIC or debit card is shared, cash cannot be collected without the beneficiary’s fingerprint.

Elderly or disabled individuals unable to use ATMs can collect payments directly through BISP offices or at special camps.

Alternatives to ATMs

For those in rural areas or without ATM access, alternatives remain available:

• Retail outlets and agents such as Easypaisa and JazzCash franchises (CNIC + fingerprint verification).

• BISP payment camps at tehsil headquarters or schools with biometric verification.

Safety Tips for ATM Withdrawals

• Use only official partner bank ATMs.

• Carry CNIC, debit card, and SMS confirmation.

• Never share PINs, even with family.

• Prefer daytime withdrawals.

• Keep receipts until the next payment.

• Avoid strangers offering “help” near ATMs.

• Report issues via the BISP helpline: 0800-26477.

Real-Life Example

Nasreen, a widow from Multan, once spent entire days at BISP camps under harsh conditions, sometimes losing part of her stipend to agents’ deductions. In 2025, she switched to an HBL ATM. After confirming her payment via 8171, she entered her CNIC, verified with her fingerprint, and collected her full payment in minutes—without stress or unfair cuts.

Looking Ahead: The Future of Digital BISP

ATM withdrawals are just the first step. The government plans to expand digital banking options, including:

• Mobile wallets linked to CNICs.

• Universal debit cards valid across all banks.

• Real-time alerts for deposits and withdrawals.

• Access to micro-savings and small loans.

These initiatives aim to enhance transparency while connecting vulnerable households to Pakistan’s wider financial system.

Read More: BISP Digital Payments Guide 2025: Here’s How to Receive Payments Through JazzCash, EasyPaisa, and Wallets