This guide will help you understand how to withdraw BISP payments from ATMs in 2025. It explains the step-by-step process, partner banks, how to check by SMS, safety tips, and solutions to common problems in easy language for families in Pakistan
BISP Moving to ATM Payments
The Benazir Income Support Programme (BISP) is the main welfare program in Pakistan. It gives money every month to millions of poor families. For many, this money is very important for food, school fees, medicines, electricity bills, and other daily needs.
Some years ago, getting this money was difficult. People had to wait in long lines at camps or go through agents who cut money unfairly. This was a big problem, especially for women who get most of the payments.
Now in 2025, the government has started ATM withdrawals. This new system is easy, safe, and transparent. It allows families to get their full payment with respect and without problems
Why ATMs Are the Easiest Way to Withdraw
Now, many people prefer to take their BISP money from ATMs because it has many benefits compared to the old system:
- Save time: No long waiting lines.
- Direct cash: Money goes straight to the beneficiary, no middlemen.
- Full payment: No unfair cuts or deductions.
- Anytime service: ATMs work day and night.
- Safety for women: They can withdraw privately and safely.
- Secure system: A Biometric check makes sure only the real person gets the payment.
This new method is not only easy but also gives respect and fairness to families who really need it
How Beneficiaries Can Confirm BISP Payment
Before going to the ATM, first check if your BISP payment has been released. You can do this easily by SMS:
- Open the SMS app on your phone.
- Type your 13-digit CNIC number.
- Send it to 8171.
In a few seconds, you will get a reply showing:
- If your payment is ready
- The amount of money
- Any special instructions (like CNIC renewal)
Tip: Only go to the ATM after you get the confirmation SMS. This will save you time and extra trips
List of Banks for BISP ATM Withdrawals 2025
BISP has partnered with some big banks to make it easy for people to take out money:
- Habib Bank Limited (HBL): The main partner with the biggest ATM network in Pakistan.
- Bank Alfalah: Also helping with special ATMs that have a fingerprint (biometric) system.
- Other Banks: More banks are being added under the government’s digital plan.
Important: You cannot use every ATM for BISP. Only ATMs with fingerprint scanners can give BISP payments.
Easy Steps to Withdraw BISP Money from ATMs
Beneficiaries can take their BISP money in two ways – either with a BISP card or directly with their CNIC.
Step 1: Go to a Biometric ATM
Visit any HBL or Bank Alfalah ATM that has a fingerprint (biometric) system.
Step 2: Choose How You Want to Withdraw
- If you have a BISP Debit Card:
- Insert your card.
- Enter your PIN (usually the last 4 digits of your CNIC).
- Select “Cash Withdrawal.”
- Enter the amount you want to withdraw.
- If you don’t have a card (using CNIC):
- Select the CNIC option.
- Enter your CNIC number.
- Place your thumb on the biometric scanner.
Step 3: Check Your Balance
The screen will show how much money is available.
Step 4: Collect Your Money
Enter the amount, take your cash, and also collect the printed slip.
Step 5: Keep Your Money Safe
Put the cash and slip in a safe place, and avoid showing money in public
Common Problems and Easy Fixes
| Problem | Solution |
|---|---|
| Fingerprint not matching | Wash and dry your hands, and press your thumb lightly. Try another ATM. If the problem continues, visit the nearest BISP office. |
| ATM has no cash | Try again later or go to another nearby ATM. |
| The card was blocked after wrong PIN attempts | Keep the receipt. Usually, the money is returned within 2–3 working days. If not, contact your bank or call the BISP helpline. |
| Money deducted, but no cash received | Go to the bank branch to reset your PIN. |
| ATM out of service | Wash and dry your hands, and press thumb lightly. Try another ATM. If the problem continues, visit the nearest BISP office. |
Can Others Take Out My BISP Money?
Who Can Withdraw BISP Payments?
Only the registered woman under BISP can withdraw the money. The system uses fingerprint verification to stop fraud and ensure only the right person gets the payment.
For women who are old, sick, or disabled, BISP has made other options available. They can receive their money from the tehsil offices or special payment camps after proper checking.
Other Ways to Receive BISP Money (If ATMs Are Not Available)
- Retail Shops: Partner outlets like JazzCash and Easypaisa allow biometric withdrawals.
- Payment Camps: Set up at the tehsil headquarters during announced phases.
(Both require biometric verification for safety.)
Safety Tips for Beneficiaries Using ATMs
- Use only BISP-approved ATMs.
- Always carry your CNIC, debit card (if given), and SMS confirmation from 8171.
- Never share your PIN with anyone.
- Try to withdraw during the day for safety.
- Keep your ATM receipt until the next payment cycle.
- Don’t accept help from strangers inside the ATM booth.
- For any problem, call the BISP helpline: 0800-26477.
Real Story: Fatima from Multan
Fatima, a widow, remembers standing in long lines at BISP camps and getting less money because agents took unfair cuts.
In 2025, after getting her SMS confirmation from 8171, she went to an HBL ATM. With her CNIC and fingerprint, she withdrew the full amount in minutes—no cuts, no waiting, no humiliation
Read More: Benazir Hunarmand Program 2025
The Future of BISP Digital Payments
The ATM withdrawal system is only the first step. The government is planning to make BISP payments even more digital in the coming years:
- Every beneficiary will get a debit card.
- Mobile wallets will be linked with CNICs for easy use.
- SMS alerts will be sent for each deposit and withdrawal.
- Families may also get savings and small loan options in the future.
This digital change will make it easier to receive payments and will also help poor families become part of Pakistan’s banking system
Final Thoughts
The BISP ATM Withdrawal 2025 system has made it much easier for poor families in Pakistan to get their financial help. Now, instead of waiting in long lines or losing money to agents, people can withdraw cash quickly, safely, and clearly at any time.
Some problems still happen, like fingerprint errors or ATMs running out of cash, but the fixes are simple and easy to follow. For families who don’t have an ATM near them, BISP also gives payments through retail shops and special camps.
FAQs
How can I check if my payment is available?
Send your CNIC number to 8171. You will get a reply with details.
Do I need a debit card to withdraw money?
No. You can also withdraw using your CNIC and fingerprint at ATMs.
What should I do if the ATM cuts money but doesn’t give cash?
Keep the receipt. The amount usually comes back in 2–3 working days. If not, contact the bank or the BISP helpline.
Can I withdraw BISP money from any ATM?
No. Only HBL and Bank Alfalah ATMs with biometric scanners can be used