BISP Payment Withdrawal Method Changed 2026: Complete Guide for Beneficiaries
There has been a Major change in the BISP payment withdrawal method, and this new system of withdrawal continues in 2026. The latest verified update is on how beneficiaries get the BISP payment. In this, we inform you about the method introduced for BISP in 2026, its purpose, the significance of this method, the shortcomings of the methods it replaced, and its key features.
Read More: BISP 8171 New Payment 2026: Eligibility Criteria and Payment Schedule & Collection Method
Old BISP Withdrawal Method Before 2026
The old method of withdrawing the BISP payment has been changed with new and digital method. The old methods are discussed below:
1. Camp Distributions System
Earlier, the BISP payment was also distributed in Camps or at the shop by biometric thumbprint verification. Gradually, it was phased out as a banking/retail system.
2. Agent Points
In some phases, BISP also allowed payment through authorized retail outlets, agent shops, or HBL Konnect agents, where biometric verification would still be done and cash distribution would occur at the point of service. These were less formal than traditional ATMs but helped widen physical access in rural areas.
3. Bank Partner Counter
In different areas, especially where ATMs were not accessible, beneficiaries could:
- Could go to the bank branches.
- Give your CNIC and complete the verification
- Collect the cash over the counter without using an ATM.
New Method of Withdrawal of BISP Payment in 2026
BISP has improved from the old campsite to retail outlets, Bank/ATM withdrawal, and digital wallet payment. This makes the withdrawal easier, faster, and safer.
1. Direct Bank Account Deposit:
- BISP now deposits the quarterly stipend directly into the beneficiary’s digital bank account instead of only relying on camps or ATM booths.
- Once the money is in the bank account, the beneficiary can withdraw it at the right time.
Read More:
2. Mobile Wallet OR Free SIM Integration:
- Many beneficiaries receive free SIM cards linked to mobile wallets.
- Payments can be sent directly into wallets, which can be used for withdrawal or digital spending.
- The SIMs are used for OTP verification and secure access.
3. Withdrawals from ATMs and Bank Branches:
After money is deposited into the digital bank account, beneficiaries can:
- Withdraw from ATMs using debit/PayPak cards linked to the account.
- Go to the partner bank branch to withdraw cash over the counter.
- Use mobile banking apps if available.
4. Reduced Reliance on Payment Camps:
- While BISP camps or payment centers still exist in many districts, they are less central to the process than before.
- The new model promotes banking and digital access with camps mainly for support or status verification.
5. New Fees & Financial Control:
- A fixed withdrawal fee (Rs 100–200) is now applied when withdrawing from bank accounts, but this is transparent and standardized.
- This fee system replaces the old informal costs charged by middlemen or agents in some areas.
Reasons for Changes in the BISP Payment Withdrawal System
1. Make Payments Safer
- Before, money was often withdrawn at camps or through agents. This sometimes caused fraud or mistakes.
- Now, money goes directly into a bank or mobile account, which is safer.
2. Withdrawal Fees
- The old system had hidden or informal charges.
- The new system has a fixed fee (Rs 100–200).
3. Reduce Dependency on Camps and Agents
- Camps and agents are costly and slow.
- Digital and bank systems make the process faster, easier, and more organized.
Retail Shop Payment Withdrawal Method
BISP beneficiaries can withdraw their cash from authorized retail shops instead of going to a bank or ATM. These shops are called BISP partner shops or agent shops.
Method of this way:
- Go to a nearby authorized shop.
- Show your CNIC (National ID.
- Complete biometric verification.
- Collect your BISP payment in cash.
Benefits of this Way:
- Useful in rural or remote areas where banks or ATMs are far.
- Makes it faster and easier for beneficiaries to get their money.
ATM-Based BISP Payment Withdrawal Process
- Visit a BISP partner bank ATM near you.
- Either use your BISP ATM/debit card or enter your CNIC number.
- Scan your thumb or fingerprint if asked. This proves your identity.
- Choose how much money you want to withdraw from your BISP account.
- The ATM will dispense the money. Take your cash and receipt for the record.
BISP Digital Wallet / Mobile Payment Method
BISP now allows beneficiaries to receive their payments directly on a mobile wallet. No need to visit a bank or ATM every time.
Method of working:
- Get a registered SIM card or mobile wallet account linked to your CNIC.
- BISP deposits your money directly into this wallet.
Benefits:
- Your money is secure in the wallet.
- No long trips to banks or ATMs.
- You get your payments immediately.
Read More: BISP 8171 January 2026 Latest Payment: How to Check CNIC & Get Wallet Transfer Details
Step-by-Step Process to Withdraw BISP Payment (2026)
Check Your Payment
- First, see if your BISP installment has been credited.
- You can check via BISP SMS, mobile app, or bank account statement.
Read More: How to Check BISP and Ehsaas CNIC Status Online Through the 8171 Web Portal in 2026
Withdrawal Method:
- Visit a partner bank, ATM, or branch.
- Visit an authorized BISP shop nearby.
- Use your mobile wallet app on your phone.
Verify Your Identity
- Give your CNIC.
- Complete biometric verification.
- For a mobile wallet, use OTP or password verification.
Documents Required for BISP Payment Withdrawal
- Must have a valid and non-expired CNIC.
- Used a registered mobile number to receive SMS or OTP code.
- A BISP card is helpful for digital wallet or bank verification. It is also needed for ATM or bank withdrawals.
- Biometric verification is required at ATMs, banks, and retail shops to confirm identity.
Benefits of the New BISP Withdrawal Method
More Safe and Secure
- Money goes directly to the bank or mobile accounts.
- This reduces fraud and theft.
Clear and Transparent System
- Payments are recorded digitally.
- No hidden charges or middlemen.
More Control Over Money
- Beneficiaries can withdraw full or partial amounts when needed.
- They can also use money for digital payments.
Common Problems and Solutions During Withdrawal
- Verification Failed
If the thumb or fingerprint fails to match, clean your thumb or visit another ATM/shop. If it still fails, go to a BISP office or NADRA for an update.
- Payment Not Received
Money is not showing in the account or wallet. Check through BISP SMS or helpline and wait 1-2 days. Sometimes payments are released in phases.
- ATM or System Not Working
The ATM or shop system is down. Visit another ATM, bank branch, or authorized shop.
- CNIC Expired
An expired CNIC causes rejection. Renew your CNIC from NADRA before trying again.
- Extra Charges Asked by Agent
The shop or agent asks for extra money. Do not pay extra.
Read More: BISP Fraud Protection Guide 2026: How to Stay Safe & Secure Your Payments
Important Instructions for BISP Beneficiaries in 2026
- Keep CNIC:
Keep your CNIC with you. An expired CNIC can stop your payment.
- Use Only Authorized Channels:
Withdraw money only from BISP partner banks, ATMs, or authorized shops. Do not trust unknown agents.
- Extra Charges:
BISP payments are free or have fixed charges only, and never give any money.
- Mobile Number:
Your registered mobile number should stay active for SMS or OTP messages.
- Check Payment:
Always confirm your payment before going to an ATM, bank, or shop.
- Keep Your Receipt Safe:
After withdrawal, keep the receipt or SMS as proof.
- In any Problems:
If you face any issue, contact the BISP helpline.
Conclusion:
In 2026, the BISP payment withdrawal system will have become more modern, fast, safe, and easy for beneficiaries. The old camp and agent-based methods have been replaced with bank accounts, ATMs, retail shops, and mobile wallets. This new system helps people receive their money faster and without trouble.
FAQ’s
Are there any extra charges for withdrawal?
No hidden charges. Only small fixed fees are allowed. Do not pay extra money to agents.
What should I bring for withdrawal?
Bring your original CNIC and your mobile phone or bank card if required.
What do I do if my payment is not received?
Check your payment status through BISP SMS or helpline and wait for the next phase.
Can I use the money without a cash withdrawal?
Yes, you can use this money without withdrawal. You can use this money in bills payment and in any other way.