BISP ATM Card Launch in August 2025 – Easy Withdrawals for Kafaalat Beneficiaries

The BISP ATM Card is launching in August 2025 to simplify withdrawals for Kafaalat beneficiaries. Learn how to apply, activate, and use your card easily.

Introduction: A New Step Toward Financial Freedom for BISP Beneficiaries

Good news for millions of deserving families across Pakistan! The Benazir Income Support Programme (BISP) has announced a major update – the launch of ATM cards for Kafaalat beneficiaries starting from August 2025. This step is part of the government’s vision to offer easy, fast, and secure payments for low-income families under the BISP umbrella.

Until now, many beneficiaries had to stand in long lines at retail shops or depend on agents. But with the new BISP ATM Card, things are changing. Women will now be able to withdraw their money directly from any ATM, just like any bank customer – no middlemen, no extra charges, no delays.

In this article, we will explain:

• What is the BISP ATM Card?

• Who will get it and how?

• Benefits of this new system

• Step-by-step guide to use the card

• FAQs and more!

What is the BISP ATM Card?

The BISP ATM Card is a debit card introduced by the Benazir Income Support Programme in partnership with major banks of Pakistan. It is specifically designed for Kafaalat beneficiaries, enabling them to withdraw their quarterly payments from any ATM across the country.

The card works just like a regular ATM card:

• You receive it with your name and CNIC

• It is PIN-protected

• Can be used at any partner bank’s ATM

• Allows safe and instant withdrawal of BISP funds

Follow WhatsApp Channel

Why is BISP Introducing ATM Cards?

The government and BISP management realized that many women face:

• Long waiting lines at shops

• Unnecessary deductions by agents or retailers

• Delayed payments

• Unsafe environments while collecting money

The ATM Card system solves these problems by giving direct control of the money to the rightful beneficiaries. It promotes financial independence, reduces fraud, and ensures timely payments.

Who Will Receive the BISP ATM Card in August 2025?

Initially, the first phase of the BISP ATM Card distribution will cover:

• Women who are currently registered under the Kafaalat Program
• Beneficiaries who completed the Dynamic Survey 2024–2025
• Families who have a verified CNIC and mobile number
• Priority to those in remote or underserved areas

More phases will roll out gradually till December 2025, covering all active BISP families.

How to Apply for the BISP ATM Card?

Here is the step-by-step guide to apply for your BISP ATM Card:

1. Check Eligibility
   Visit the 8171 web portal or send your CNIC to 8171 via SMS.

2. Visit Nearest BISP Tehsil Office
   If eligible, go to your BISP office with:

   • Original CNIC

   • Copy of CNIC

   • Registered mobile number

3. Biometric Verification
   Staff will verify your thumb impression using the NADRA database.

4. Card Issuance
   Once verified, the ATM card will be issued to you or sent via registered mail.

5. Card Activation
   After receiving, go to any partner ATM (HBL, Bank Alfalah, etc.) and activate it by:

   • Inserting card

   • Creating your 4-digit PIN

   • Making your first balance inquiry or withdrawal

Banks Partnering with BISP for ATM Cards

The following banks are partnering with BISP for ATM services:

• Habib Bank Limited (HBL)
• Bank Alfalah
• United Bank Limited (UBL)
• National Bank of Pakistan (NBP)

All partner ATMs will have BISP card support. You may use the ATM of your own bank or any partner bank without any fee.

Benefits of BISP ATM Card for Kafaalat Beneficiaries

Here’s why this new system is a game-changer:

• 24/7 Access to Payments – Withdraw money anytime
• No Middlemen – Avoid deduction by shopkeepers
• Full Payment Guarantee – Get your full Rs. 9,000 or Rs. 13,500
• Secure & Private – No one else can access your money
• No Extra Charges – Free withdrawals at partner ATMs
• Banking Access – Start your journey toward digital financial services

How to Use BISP ATM Card: Step-by-Step

Here’s how a beneficiary can withdraw her payment from the ATM:

1. Insert the Card into any supported ATM

2. Select Language – English or Urdu

3. Enter Your PIN (4-digit code)

4. Select “Balance Inquiry” to check payment status

5. Choose “Cash Withdrawal”

6. Enter the Amount (e.g., 9,000 or 13,500)

7. Collect Your Cash and Card

8. Take Receipt (optional)

Note: Do not share your PIN with anyone. If your card is lost, report it to the BISP helpline: 0800-26477

What If You Lose the ATM Card?

If you lose your BISP ATM Card:

• Call your bank’s helpline immediately to block it

• Visit the BISP Tehsil Office or Bank branch with your CNIC

• Request a replacement card after biometric verification

Replacement may take 7–10 working days.

Payment Amounts via BISP ATM Card

Depending on your status, the following amounts will be credited to your card:

How to Check Balance Without ATM?

If you do not want to visit the ATM to check balance, you can:

1. Call your bank’s helpline with your CNIC

2. Login to bank’s mobile app (if you have one)

3. Wait for SMS alert after BISP funds are deposited

Timeline of the BISP ATM Card Rollout

FAQs About BISP ATM Card

Q1: Is the BISP ATM Card free of cost?
Yes, the card is issued free of charge to all eligible BISP beneficiaries.

Q2: What if I forget my ATM PIN?
Visit the bank branch with CNIC and request a PIN reset after biometric verification.

Q3: Can I use the card in any city?
Yes, you can use it nationwide at any supported bank’s ATM.

Q4: Will I get the full amount in the ATM?
Yes. You will receive the entire BISP amount without any deduction.

Q5: Can someone else withdraw on my behalf?
No. The card is biometrically linked to your CNIC. Only you can use it securely.

Q6: What if the ATM is out of cash or not working?
Try another nearby ATM. Or visit during banking hours to report the issue.

Conclusion

The BISP ATM Card launch in August 2025 is a huge milestone for the financial empowerment of low-income women across Pakistan. This card will allow beneficiaries to access their money anytime, anywhere, safely and privately. No more long lines, no more middlemen – just simple, secure, and fast access to your quarterly BISP payments.

If you or someone in your family is part of the Kafaalat Program, don’t miss this opportunity. Stay updated, collect your card, and enjoy full control over your financial support.