How to Withdraw BISP Money from HBL ATM Without Issues 2025

BISP Money from HBL ATM Without: The Benazir Income Support Programme (BISP) remains one of Pakistan’s most impactful welfare initiatives, designed to provide financial help to millions of deserving families. To make this process transparent and convenient, the government has introduced the HBL ATM withdrawal system — a modern way to receive payments directly, without any middlemen or long waiting lines.

Since 2025, HBL ATMs have become the main channel for BISP payments, allowing registered beneficiaries—mostly women—to withdraw their money safely and independently.

Why Choose HBL ATMs for BISP Withdrawals?

The partnership between the Government of Pakistan and Habib Bank Limited (HBL) was established to ensure that financial assistance reaches families securely and fairly. In the past, many people complained about unauthorized deductions or having to pay agents to collect their money.

With the new system, beneficiaries receive their full amount directly, without any cuts or delays.

Key Benefits:

💳 Available 24/7: Withdraw anytime, day or night.
🔐 Fully Secure: Every transaction is verified through NADRA’s biometric system.
💸 No Deductions: You receive the complete amount assigned to you.
🧍‍♀️ Biometric Verification: Ensures only the rightful recipient gets the cash.
🏦 Thousands of Locations: HBL has branches and ATMs across Punjab, Sindh, KPK, and Balochistan.

Step-by-Step Guide to Withdraw BISP Money from HBL ATM

Here’s a clear and simple explanation of how to withdraw your BISP payment (Rs. 13,500 or the current amount) through HBL ATMs:

Go to the nearest HBL ATM that supports BISP withdrawals.
Press the green button on the ATM to start the process.
On the screen, select the option for “BISP” or “Ehsaas Program.”
Enter your 13-digit CNIC number carefully.
Place your thumb on the biometric scanner for fingerprint verification.
After verification, your available balance will appear on the screen.
Choose the “Withdraw Full Amount” option.
Collect your cash and wait for the printed receipt.
Keep the receipt safe — it serves as proof of your transaction.

What You Need Before Visiting the ATM

Make sure you have the following items ready to avoid any issues:

Your original CNIC card (must be valid and not expired).
Your registered mobile number (for receiving SMS alerts).
Memorize or note down your 13-digit CNIC number for easy entry.

Tip: You don’t need a BISP card separately — your CNIC and fingerprints are enough.

Common Problems and Their Solutions

Although the ATM system is efficient, some people still face small issues. Here’s how to fix them easily:

Problem	Possible Solution
Fingerprint not matching	Wash and dry your hands, try another finger, or visit the nearest BISP help desk.
ATM out of cash	Go to another HBL ATM or check again later.
CNIC expired	Renew it through NADRA before using the ATM.
Transaction error	Wait a few minutes, retry, and confirm through SMS.
Confusion on screen	Ask a trusted family member or visit the BISP office for guidance.

Safety Tips for BISP Beneficiaries (2025)

Since most beneficiaries are women, it’s important to prioritize safety and awareness while withdrawing money.

✅ Use HBL ATMs located inside a branch rather than in isolated areas.
✅ Never share your CNIC number, receipt, or SMS code with anyone.
✅ Count your money before leaving the ATM booth.
✅ If someone demands a “service fee,” refuse immediately and report them.
✅ Keep your withdrawal receipt — it’s your proof in case of complaints.

How to Report Problems or Lodge Complaints

If you experience any issue such as fraud, deduction, or non-receipt of funds, you can:

📞 Call the BISP Helpline: Dial 8171 for assistance.
🏢 Visit your nearest BISP Tehsil Office with your CNIC and ATM receipt.
📝 File a written complaint — most are resolved quickly when proof is provided.

What’s Next for the BISP Payment System?

The government plans to expand payment options in the near future. Along with HBL ATMs, beneficiaries may soon be able to receive money through JazzCash, Easypaisa, or mobile banking apps, making it even easier to access funds safely.

For now, the HBL ATM remains the most reliable and transparent method to receive your BISP installments.

Final Thoughts

The introduction of HBL ATMs for BISP withdrawals has brought significant convenience and dignity to millions of Pakistani families. By following the simple steps above and keeping your CNIC updated, you can collect your money easily—without stress, long lines, or unfair deductions.

This system ensures transparency, security, and full control over your payments — empowering families, especially women, across Pakistan.

FAQs – BISP Withdrawal from HBL ATM

Q1: Can I withdraw BISP money without a card?
Yes. You only need your CNIC number and fingerprint verification to withdraw at HBL ATMs.

Q2: What if my fingerprint doesn’t match?
Clean and dry your hands, try again, or visit the nearest BISP Tehsil Office for help.

Q3: Is any amount deducted during withdrawal?
No deductions apply. You receive the full amount (Rs. 13,500 or the latest installment).

Q4: What if the ATM runs out of cash?
Simply visit another HBL branch ATM or try again later. Always check your SMS receipt before leaving.