BISP Withdrawal Charges 2025
The government has completed its target of opening one crore bank accounts for beneficiaries of the Benazir Income Support Programme (BISP). These accounts will make it easier for people to withdraw money directly from banks. However, many beneficiaries are asking an important question: What are the BISP withdrawal charges 2025?
According to official details, BISP beneficiaries will have to pay Rs100 to Rs200 as withdrawal charges when taking out money from their accounts. Let’s look at the complete details.
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Government Update on BISP Bank Accounts
During a meeting of the National Assembly’s Committee on Poverty Alleviation, it was confirmed that the target of opening one crore bank accounts has been achieved. These accounts are currently inactive, but as soon as a beneficiary visits the bank to receive their payment, the account will automatically become active.
This is a major step towards transparency, as beneficiaries will no longer depend on agents. Instead, they can directly manage their money through banks.
بینظیر انکم سپورٹ پروگرام کے تحت اب ایک کروڑ بینک اکاؤنٹس کھول دیے گئے ہیں، جس کے بعد خواتین مستحقین براہِ راست بینک سے اپنی رقم وصول کر سکیں گی۔ لیکن اہم بات یہ ہے کہ اب ہر رقم نکالنے پر 100 سے 200 روپے تک بینک چارجز بھی لاگو ہوں گے۔ یہ نیا نظام شفافیت تو لاتا ہے مگر ساتھ ہی صارفین کو اپنے پیسے نکالنے کے طریقے پر سوچنا بھی پڑے گا۔
مزید یہ کہ بی آئی ایس پی کے ساتھ فی الحال چھ بڑے بینک جڑے ہیں اور جلد ہی تمام بینکوں کو ون لنک سسٹم میں شامل کیا جائے گا، جس کے بعد صارفین ملک کے کسی بھی بینک سے اپنی رقم نکال سکیں گے۔ یہ سہولت زیادہ آسانی اور کم وقت میں ادائیگی کا موقع دے گی، مگر سوال یہ ہے کہ یہ بینک چارجز غریب خاندانوں پر کتنا بوجھ ڈالیں گے؟ یہی تفصیل جاننے کے لیے آپ کو یہ مکمل مضمون ضرور پڑھنا چاہیے۔
How Much Are the BISP Withdrawal Charges?
The most important update for beneficiaries is about BISP withdrawal charges.
- Every withdrawal from these new accounts will have a fee between Rs100 and Rs200.
- The exact fee may depend on the bank or transaction method.
- Officials have also made it clear that no agents will be involved in the process anymore.
This means beneficiaries will get a safer and more direct system, but they should be aware of the small charges on each withdrawal.
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List of Banks Currently Involved with BISP (Kifaalat Stipends Disbursement)
At present, six banks are connected with the BISP system. The government is working on bringing all banks into the 1LINK system, which will allow beneficiaries to withdraw money from any bank across Pakistan.
| Bank Name | Details |
|---|---|
| Bank Alfalah | A well-known private bank in Pakistan, providing services in many big cities and towns. |
| Bank of Punjab (BOP) | A large bank that operates widely across Punjab and also offers services in other provinces. |
| Mobilink Microfinance Bank | A microfinance bank that focuses on small transactions and digital banking facilities, useful for low-income families. |
| Telenor Microfinance Bank | Known for its mobile banking services, this bank helps people in rural and remote areas to access money more easily. |
| Habib Bank Limited (HBL) | One of Pakistan’s biggest banks with branches across the country, giving BISP beneficiaries more options for withdrawals. |
| HBL Microfinance Bank | A smaller division of HBL that mainly supports people in less-developed areas with microfinance and simple banking services. |
This will give beneficiaries more choices, better access to their money, and reduce long waiting times at selected bank branches.
How Beneficiaries Can Activate and Use Their Accounts
BISP accounts are inactive until the first withdrawal. The activation process is simple:
- Visit the assigned bank branch.
- Provide your CNIC and complete verification.
- Withdraw your payment the account will then be active.
- Once active, the account can be used like a regular bank account, including deposits and transfers.
Impact of BISP Withdrawal Charges on Poor Families
Although the introduction of bank accounts is a positive step, the Rs100–200 withdrawal charges could feel heavy for poor families. For example, if a beneficiary withdraws smaller amounts several times a month, they will lose more money in charges.
This is why experts suggest withdrawing larger amounts less frequently to save on charges.
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Challenges for Women Beneficiaries
During the committee meeting, the BISP Chairperson highlighted that digital payments remain a challenge for women, especially those in rural areas. Many women are not familiar with ATM use or mobile banking, which may require extra support and training.
Key Takeaways
- One crore BISP bank accounts have been opened.
- BISP withdrawal charges will be Rs100–200 per withdrawal.
- No agents will be involved in the withdrawal process.
- Six banks are currently working with BISP; all will soon be connected to 1LINK.
- Accounts will activate automatically when the first withdrawal is made.
This new banking system aims to make BISP payments more transparent and secure, but beneficiaries should plan their withdrawals wisely to avoid losing too much money to bank charges.