Looking for the BISP ATM Card Option 2025? Discover if Benazir Kafalat beneficiaries can withdraw payments via ATM in 2025, the latest updates, eligibility, and how to use your card safely.
In 2025, the Benazir Income Support Programme (BISP) continues to provide vital financial assistance to millions of families across Pakistan. However, as technology and policies evolve, beneficiaries often ask: “Can we use ATM cards to withdraw BISP payments this year?” This question becomes more important as many face issues with long queues, payment agents, and unnecessary deductions.
This article will guide you through everything you need to know about the BISP ATM Card Option 2025, including whether it’s available, who qualifies, how to use it if reintroduced, and the benefits and challenges associated with it.
If you’re a registered BISP Kafalat recipient or planning to enroll, this guide will clear your confusion regarding ATM withdrawals in 2025 and what other options are available if the card system is inactive.
What Was the BISP ATM Card?
The BISP ATM card was a method of cash withdrawal introduced in previous phases of the program. Through it, beneficiaries could receive their payments directly via ATM machines using banks like HBL and Bank Alfalah.
This card:
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Allowed self-service withdrawal
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Reduced reliance on third-party agents
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Helped avoid illegal deductions
However, in recent years, BISP moved away from the ATM model and shifted towards biometric verification at designated retail shops and franchise outlets.
Is the BISP ATM Card Option Available in 2025?
As of August 2025, the BISP ATM Card Option 2025 is not fully available to the general public. The Government of Pakistan has not officially resumed the ATM withdrawal method for most beneficiaries.
Currently:
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Payments are primarily disbursed through biometric authentication at JazzCash, EasyPaisa, and selected retail points.
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No new BISP ATM cards have been issued for fresh beneficiaries.
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Some old ATM cards may still be functional in limited regions, but this is not officially supported nationwide.
Official Reason for Discontinuation
The BISP program shifted to biometric verification due to:
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High ATM transaction fees
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Card misuse and fraud
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Lack of biometric verification leading to identity fraud
Instead, the government now uses CNIC and fingerprint-based identity systems to release payments more securely.
Recent Developments: Will BISP ATM Cards Be Reintroduced?
While there’s no official confirmation from BISP about the return of ATM cards in 2025, some sources inside the financial inclusion sector suggest that:
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A pilot project is being considered where beneficiaries could link their CNICs with ATM-enabled accounts, provided biometric authentication is done during onboarding.
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Bank Alfalah and HBL Konnect are reportedly in early discussions with government bodies to create hybrid models (both biometric + ATM).
But until now, no timeline or official re-launch of BISP ATM cards has been announced.
How Are BISP Payments Being Disbursed in 2025?
If ATM isn’t an option in 2025, what are your alternatives?
Here’s how most BISP beneficiaries are getting payments now:
1. JazzCash Franchise Outlets
JazzCash has partnered with BISP to allow biometric cash withdrawal for eligible families. A valid CNIC and thumbprint are required to collect the installment.
2. EasyPaisa Retail Shops
Similarly, EasyPaisa agents process BISP Kafalat payments through biometric verification.
3. Special Campsites
In rural areas, special payment camps are established with NADRA and payment operators on-site to authenticate and release payments.
4. Mobile Vans (Limited Areas)
In some districts, BISP mobile payment vans are operating for better reach in remote locations.
What Happens if ATM Cards Are Reintroduced?
If BISP ATM Card Option 2025 becomes available later this year, here’s what beneficiaries can expect:
A. Account Opening Requirements
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CNIC
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Biometric verification
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Mobile number registration
B. Banks Likely to Be Involved
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HBL (Konnect)
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Bank Alfalah (Digital Bank Account)
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ZTBL (For rural districts)
C. Steps to Withdraw via ATM
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Insert your BISP ATM card
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Enter your 4-digit PIN
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Select “Cash Withdrawal”
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Confirm your amount
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Collect your cash and receipt
D. Monthly Limit
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The withdrawal limit will likely be Rs. 13,500 for Kafalat recipients
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In some cases, Rs. 27,000 for double payments (dependent on PMT status or missed installments)
Benefits of BISP ATM Card Option
If reinstated, the BISP ATM Card Option 2025 could bring several benefits to beneficiaries:
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24/7 Availability: No need to wait for shops to open.
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Independence: No need to rely on agents or franchises.
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Better Security: Transaction history available on slip.
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No Extra Charges: If operated under fee-free banking model.
Challenges with ATM Card System
While ATM cards are convenient, past experience showed some significant issues:
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Forgotten PINs leading to card block
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Card damage due to poor storage or machine issues
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Uneducated users often needed help using ATMs
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Agent fraud while charging fees for helping operate ATMs
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ATM Downtime especially in remote or load-shedding-prone areas
What to Do if You Still Have an Old BISP ATM Card?
If you received your BISP payments via ATM in the past, here’s what you can try:
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Call the BISP Helpline (8171)
Ask whether your card is still valid for ATM withdrawal in your region. -
Visit Nearest Bank Branch
Take your CNIC and card to your designated bank branch (e.g., HBL or Alfalah) and request account status verification. -
Try the Card at an ATM
Carefully try using it at an ATM. If rejected, your card may have been deactivated. -
Update Mobile Number
If card services return, you’ll need a registered mobile number for transaction alerts.
How to Stay Updated on ATM Card News?
To ensure you never miss out on BISP ATM Card Option 2025 updates:
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Register for SMS alerts on 8171
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Follow BISP official website www.bisp.gov.pk
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Visit BISP Social Media Accounts
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Check the 8171 Web Portal regularly for eligibility and payment updates
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Join BISP WhatsApp or Telegram Groups (many districts have local ones)
FAQs About BISP ATM Card Option 2025
Q1: Is the BISP ATM card working in 2025?
Answer: No, as of now, the ATM card option is not available for new or regular users. Payments are made via biometric verification at designated outlets.
Q2: Will the government reintroduce ATM cards?
Answer: There is no official announcement yet, but hybrid payment models are under consideration for future rollout.
Q3: Can I withdraw my BISP payment from any bank ATM?
Answer: No, unless ATM functionality is officially resumed, you cannot withdraw through ATMs in 2025.
Q4: How do I know if I’m eligible for the new ATM system?
Answer: If announced, you will be informed via 8171 SMS or your BISP registration center.
Q5: Is the ATM card safer than biometric shops?
Answer: In some ways yes, but ATM use requires awareness, secure PIN use, and better machine access—especially in rural areas.
Q6: Can I reapply for the ATM card?
Answer: Currently, no applications are being accepted for ATM cards in 2025.
Q7: What if I lose my BISP card?
Answer: If the ATM card system is restored, card loss can be resolved through biometric verification and reissuance at your respective bank branch.
Q8: Can I withdraw BISP money using JazzCash or EasyPaisa apps?
Answer: No, you can only collect BISP money through biometric verification at registered agents, not through mobile wallet apps.
Conclusion
While the idea of using an ATM card for BISP payments sounds convenient, the BISP ATM Card Option 2025 is not active as of now. The program currently relies on biometric verification to ensure transparency and reduce fraud. However, there is potential for hybrid banking models in the near future if the government decides to reintroduce ATM functionality.
For now, beneficiaries should continue to use biometric payment centers and stay updated through official BISP channels. If and when the BISP ATM Card Option 2025 becomes available, it could simplify the payment process significantly—especially for those who live far from franchise shops or payment camps.
Stay alert, keep your CNIC updated, and always verify any news through the 8171 portal or helpline to avoid misinformation.
