BISP ATM Withdrawals Model
BISP has officially resumed its ATM-based withdrawal services in August 2025 marking a major breakthrough for millions of low-income families across Pakistan. After months of waiting and limited disbursement options, the government has now launched a more advanced and user-friendly system that allows eligible beneficiaries to withdraw their full 13500 payment from designated banks across selected districts. This initiative not only promotes financial inclusion but also minimizes dependency on middlemen and manual disbursement centers.
In the new model, both BISP ATM cards and CNICs with biometric verification are accepted, even for those who haven’t yet received their physical cards. With this move, the government has expanded its digital payment infrastructure to ensure that payments reach the rightful recipients with transparency, ease, and speed. Particularly in rural and underserved areas, the revival of ATM services has created hope for countless families who often face logistical hurdles while collecting their aid.
You Can Also Read: 8171 Ehsaas Program Payment August 2025
BISP ATM Withdrawals Now Live What’s Changed in 2025?
The 2025 BISP ATM system has been designed with key improvements to ensure safe, fast and reliable disbursement. Now, beneficiaries can withdraw their funds without needing a physical card through a biometric verification system directly linked to NADRA database. This eliminates the need to visit overcrowded cash centers and removes the risk of unauthorized deductions. Additionally, payments are now accessible 24/7 from ATMs in participating districts.
- Cardless withdrawal through CNIC and thumbprint verification
- Zero service charges and 100% secure transactions
- Withdrawal of full Rs. 13,500 in a single step
- Complaint resolution via 8171 SMS or nearest BISP offices
- NADRA biometric integration ensures real-time authentication
These features are especially beneficial for elderly citizens, women, and people with disabilities who previously found it difficult to stand in long queues or deal with corrupt agents. The update is a major leap forward in digital financial inclusion.
You Can Also Read: BISP Quarterly Payment 2025 Check Status
Eligible Banks Supporting BISP ATM Withdrawals in August 2025
To make ATM disbursements successful and widely accessible, BISP has collaborated with major banks that are known for their reliable ATM networks and biometric capabilities. Each of these banks plays a specific role in various districts based on coverage and population.
- Habib Bank Limited (HBL)
- Official and primary banking partner of BISP
- Offers card-based and cardless withdrawals nationwide
- Active in major urban and rural districts
- Bank Alfalah
- Newly added to the BISP network
- Currently operational in select districts
- Providing biometric verification for CNIC-based withdrawals
- United Bank Limited UBL
- Operational in areas like Bahawalpur and D.G. Khan
- Primarily focused on new beneficiaries under the Dynamic Survey
- Equipped for biometric authentication
These banks are gradually rolling out services to more regions, ensuring every eligible person, even in remote areas, can access their entitled payment securely and with dignity.
You Can Also Read: BISP Survey 2025 Eligibility Criteria To Collect 13500
District-Wise ATM Service Availability August 2025
Here’s a breakdown of active ATM districts and the supported banks in each area:
| District | Supported Banks | Status |
|---|---|---|
| Lahore | HBL, UBL | Fully Active |
| Karachi | HBL | Fully Active |
| Faisalabad | HBL, Bank Alfalah | Fully Active |
| Sahiwal | HBL | Active |
| D.G. Khan | Bank Alfalah | Pilot Testing |
| Bahawalpur | UBL | Partial Rollout |
| Peshawar | HBL, Bank Alfalah | Testing Phase |
These services will expand further in upcoming months. If your district isn’t active yet, you can still collect payments from BISP cash centers or Tehsil offices.
Step-by-Step Guide to Withdraw Rs. 13,500 from ATM
There are two official methods to receive your BISP Kafalat payment through ATM:
Method 1: Using BISP ATM Card
- Visit your nearest HBL ATM
- Insert your BISP ATM card
- Choose Urdu language
- Enter your 4-digit PIN
- Select Cash Withdrawal
- Enter the amount (Rs. 13,500)
- Collect your cash and receipt
Method 2: Cardless Withdrawal Using CNIC and Biometric
- Go to a biometric-enabled ATM HBL, UBL, or Bank Alfalah
- Tap on the BISP Cardless Withdrawal option
- Enter your CNIC number
- Place your thumb on the scanner for biometric verification
- Once verified, enter Rs. 13,500
- Collect the cash and confirmation receipt
Always carry your original CNIC and make sure your phone is on to receive SMS alerts from 8171.
Who Is Eligible for BISP ATM Withdrawals?
Only those who meet the following criteria are allowed to use the ATM service:
- Registered under BISP Kafalat Program
- Possess a valid CNIC with biometric record
- Have received payment confirmation SMS from 8171
- Reside in a district where ATM service is active
- Thumbprint must successfully match with NADRA’s system
Those who haven’t received their BISP card yet can still withdraw money via CNIC-based biometric verification
You Can Also Read: 8171 Web Portal CNIC Confirmation For Recent 13500
Common ATM Issues & How to Solve Them
While the new system is designed for simplicity, some users may still face occasional problems. Below are common issues and solutions:
- Fingerprint Not Matching
- Wash your hands and try again
- Visit NADRA for biometric update if it still fails
- No Payment Available
- Send your CNIC to 8171 to confirm status
- Check the 8171 Web Portal
- Transaction Timeout or Server Error
- Try again during early morning or late-night hours
- ATM Out of Cash
- Use another nearby ATM
- Contact BISP helpline for guidance
Future Developments in BISP Payment System
The BISP team is actively working with NADRA and the State Bank to expand and digitize payment systems even further. Future improvements include:
- Integration with JazzCash and Easypaisa for mobile wallet transfers
- SMS alerts for withdrawals and balance updates
- Women-friendly ATM booths in rural zones
- Union Council level ATM deployments to reduce travel distances
These steps are aimed at ensuring that beneficiaries in the most remote parts of the country also benefit from fast and transparent services.
You Can Also Read: BISP Mobile Wallets Payment Model From 14 August
Final Words
The reactivation of BISP ATM withdrawal services in August 2025 marks a significant improvement in social welfare delivery. By enabling both card and cardless withdrawals, the system empowers low-income families with secure and direct access to their financial aid. This initiative not only streamlines payments but also reduces fraud, agent involvement, and delays.
If you’re eligible, your payment is your right. Use only official channels, avoid paying extra to any middleman, and follow the process correctly. With your CNIC and updated biometrics, you can claim your Rs. 13,500 safely, independently, and anytime.
Frequently Asked Questions
Can I withdraw BISP payment without a card?
Yes, use your CNIC and thumbprint at supported ATMs.
Is there any deduction during ATM withdrawal?
No. BISP ensures full payment of Rs. 13,500 with no charges.
What if my fingerprint doesn’t match?
Clean your thumb and retry. If unsuccessful, visit NADRA to update your record.
How can I confirm if my area has ATM services?
Send CNIC to 8171 or check via the 8171 web portal.
Can I withdraw full Rs. 13,500 in one go?
Yes, the updated system allows full withdrawal in a single transaction.