BISP ATM Withdrawals
The Benazir Income Support Programme is continuing its shift towards a more transparent and efficient payment system, with a strong focus on direct bank accounts and ATM withdrawals. The State Bank of Pakistan has introduced a new framework to facilitate this, enabling beneficiaries to receive their financial assistance of Rs. 13,500 directly into their accounts and withdraw it via biometric verification using ATMs.
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Beneficiaries can now easily get their BISP payment by following a few simple steps. The process primarily revolves around your CNIC and biometric verification at authorized locations.
- Check Your Eligibility: Before you do anything else, you must confirm your eligibility. You can do this by sending your 13-digit CNIC number to 8171 via SMS. You’ll receive a reply confirming your status. Alternatively, you can check your eligibility and payment status on the official BISP 8171 web portal by entering your CNIC and the provided captcha code.
- CNIC and Biometric Verification: Your original, valid, and unexpired CNIC is the most important document. Payments are now linked to your CNIC and require biometric verification. This means you must place your thumb impression on. The scanner is for the transaction approved. This system is a significant step towards fraud prevention.
Find a Partner Bank ATM
- Find a Partner Bank ATM: Once you’ve confirmed your payment is available, you need to visit an ATM of a BISP partner bank. The BISP has mandated that all banks and Microfinance Banks facilitate BISP beneficiaries. While specific lists are being finalized in a pilot phase, banks like Habib Bank Limited. And Bank Alfalah, a prominent partners in the past, with others like The Bank of Punjab, also supported the program. You should receive an SMS notification from 8171 or your designated bank informing you about the availability of funds and the withdrawal process.
- Withdraw Your Funds: At the ATM, follow the on-screen instructions for BISP or Ehsaas program withdrawals. You are prompted to insert your CNIC or debit card and place your thumb on the biometric scanner. After successful verification, you can withdraw your full amount. The SBP has also ensured that there are no charges on cash withdrawals from ATMs for BISP beneficiaries, even for off-us transactions.
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BISP ATM Withdrawals: A Look at Supported Banks and the New Framework
The State Bank of Pakistan’s new framework for BISP payments is designed to streamline. The process for both beneficiaries and banks. This system is being rolled out in phases, initially focusing on key cities like Karachi, Lahore, Islamabad, Quetta, and Peshawar.
The Role of Partner Banks
Under the new framework, all banks and Microfinance Banks are required to open a “Sahulat Account” for BISP beneficiaries. The BISP will then disburse funds into these accounts via RAAST or IBFT. Beneficiaries are encouraged to use their accounts and PayPak debit cards to withdraw funds. This is a move away from the traditional payment camp system, which was often crowded & less secure.
Some of the key banks that have historically supported are now required to support the program include:
- Habib Bank Limited (HBL): As a major partner, HBL has long facilitated BISP payments through its extensive network of HBL Konnect agents and ATMs. Beneficiaries can often check their balance and withdraw funds directly from HBL ATMs.
- Bank Alfalah: Another prominent partner, Bank Alfalah, has also been a reliable option for beneficiaries to withdraw their payments with biometric verification at their ATMs.
- The Bank of Punjab (BOP): The Bank of Punjab is known to facilitate payments for government programs, including BISP.
Why the Shift to ATM Payments?
The move towards a biometric-based, ATM-supported payment system is a significant step forward for BISP. It offers several benefits:
- Increased Security and Transparency: Biometric verification ensures that payment is received only by the intended beneficiary, eliminating fraud and middleman culture.
- Convenience: Beneficiaries no longer have to travel long distances or wait in long queues at designated BISP camps. They can withdraw their money at their convenience from any nearby partner bank’s ATM.
- Financial Inclusion: By opening formal bank accounts for beneficiaries, the program encourages financial literacy and inclusion, bringing millions of people into the formal banking system for the first time.
- Efficiency: The new system, powered by platforms like RAAST, allows for instant and secure fund transfers, ensuring the timely disbursement of financial assistance.
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Important Details and Tips for BISP Beneficiaries
To ensure a smooth and hassle-free withdrawal process, it’s crucial for beneficiaries to keep a few things in mind:
- Keep Your CNIC Safe: Your original CNIC is your most important document. Ensure it is not expired and is in good condition. You will need it for all transactions and verifications.
- Mobile Phone for Alerts: Make sure your registered mobile number is active. You will receive important SMS notifications from 8171 regarding your payment status and the availability of funds.
- Avoid Agents and Scams: The official BISP registration and payment process is free. Be cautious of anyone asking for a fee to register you or help you with a withdrawal. Always use official channels like the 8171 service and designated partner bank ATMs.
- Resolve Verification Issues: If your CNIC is not verified or you face issues, it’s essential to visit your nearest NADRA office to update your details or the BISP Tehsil office for assistance.
The BISP ATM withdrawal system in 2025 represents a major milestone in modernizing social welfare distribution in Pakistan. It empowers beneficiaries with greater control over their funds, enhances security, and promotes financial inclusion, all while making the process more efficient and accessible.
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Conclusion
The Benazir Income Support Programme has streamlined its payment system with a major move towards direct bank account and ATM withdrawals to enhance security and transparency. The State Bank of Pakistan has mandated that all banks and microfinance banks facilitate BISP beneficiaries by opening “Sehat Accounts” into which payments of Rs. 13,500 are disbursed directly.
Beneficiaries can now easily access their funds by visiting any partner bank’s ATM. Such as Habib Bank Limited or Bank Alfalah. And using their original CNIC for biometric verification to withdraw the entire amount. This process eliminates the need for physical payment campuses. And agents, while SMS notification from 8171 or the official web portal allows beneficiaries to check. Their eligibility payment status before going to the ATM.