Withdraw your BISP installment from a biometric ATM in 2026

A biometric ATM pays out your Rs. 14,500 BISP installment with your CNIC and your thumbprint, and you need no debit card and no agent. HBL and Bank Alfalah operate biometric ATMs that process BISP withdrawals across Pakistan. This guide serves every BISP beneficiary who wants to draw the quarterly installment directly from a machine, in full, without paying anyone a fee. However, only biometric-enabled ATMs of the partner banks handle BISP payments; an ordinary ATM without a fingerprint scanner cannot process the transaction. I have explained the full process in a very easy manner. Read the steps below and withdraw your installment with confidence.

Table of contents

• What biometric ATM withdrawal means
• Which banks offer biometric ATMs
• What to carry to the ATM
• How to withdraw from a biometric ATM
• The full Rs. 14,500 rule at the ATM
• When the thumbprint fails at the ATM
• ATM safety rules for women
• How ATM withdrawal differs from agent withdrawal
• Frequently asked questions
• Key points to remember

What biometric ATM withdrawal means

A biometric ATM lets a BISP beneficiary withdraw the quarterly installment with the CNIC and a thumbprint, without a debit card.

The machine reads the fingerprint and matches it with the NADRA record of the beneficiary. The match replaces the PIN of an ordinary bank card.

The beneficiary enters the CNIC number on the keypad and places the thumb on the scanner. The machine dispenses the cash after a successful match.

Which banks offer biometric ATMs

HBL and Bank Alfalah operate biometric ATMs that process BISP withdrawals.

Both banks belong to the six-bank One-Link interoperability network that the October 20 E-Katcheri named for BISP payments. A beneficiary finds a biometric ATM at the main branches of these banks in cities and large towns.

The beneficiary identifies a biometric ATM by the fingerprint scanner panel below the keypad. An ATM without this panel cannot process a BISP biometric transaction. BISP publishes partner bank updates on the official BISP website.

The two banks run large ATM networks across Pakistan, but only the machines with the biometric panel handle BISP payments. A beneficiary who finds no biometric ATM near home uses the authorized agent network for the same installment.

What to carry to the ATM

The beneficiary carries the original CNIC to the ATM. The machine needs the 13-digit CNIC number, and the beneficiary enters it on the keypad. A photocopy cannot replace the original card at the machine.

The list below shows everything a beneficiary needs before leaving home.

• Original CNIC for the 13-digit number entry
• Clean and dry hands for a clear thumbprint
• A trusted family member as a companion
• A bag for the cash and the printed receipt

How to withdraw from a biometric ATM

Here is how to withdraw the installment from a biometric ATM.

1. Reach a biometric ATM of HBL or Bank Alfalah during daylight hours.
2. Select the biometric transaction option on the screen.
3. Enter the 13-digit CNIC number on the keypad.
4. Place the thumb on the fingerprint scanner and hold it steady.
5. Confirm the withdrawal amount of Rs. 14,500 on the screen.
6. Collect the cash and the printed receipt from the machine.
7. Count the cash inside the ATM cabin before stepping out.

The machine dispenses the full Rs. 14,500 after a successful thumbprint match. The beneficiary keeps the receipt as proof of the withdrawal.

The full Rs. 14,500 rule at the ATM

The ATM pays the full Rs. 14,500 installment with no deduction.

No agent stands between the beneficiary and the machine, so no one can demand a share of the payment. The ATM adds no service charge to a BISP biometric withdrawal. The machine shows the dispensed amount on the screen before releasing the cash, and the beneficiary compares the screen amount with the cash in hand before leaving the cabin.

A beneficiary who receives less than Rs. 14,500 keeps the receipt and notes the ATM location and time. The beneficiary then calls the BISP helpline at 0800-26477 and reports the shortfall with the receipt details.

The beneficiary also confirms the payment status on the 8171 portal with the CNIC number.

When the thumbprint fails at the ATM

A failed thumbprint match usually comes from a dirty, wet, or worn fingertip, not from a blocked payment.

Wipe the thumb clean and dry, then try again. Try a different finger when the thumb keeps failing, because the NADRA record holds multiple fingerprints.

Our biometric verification failed guide covers every fix in detail, from NADRA record updates to the tehsil office route.

Repeated failures at every machine point to a record problem, not an ATM problem. In that case, the beneficiary visits the tehsil office with the original CNIC.

ATM safety rules for women

The beneficiary visits the ATM in daylight and takes a trusted family member along. A busy branch ATM during working hours offers the safest option.

Cover the keypad with the free hand while entering the CNIC number. Never share the CNIC number, the thumbprint, or the receipt with a stranger at the machine.

Count the cash inside the ATM cabin and place it in a bag before stepping out. Keep the receipt separate from the cash.

Our safe collection checklist adds more protection steps for every payment method.

How ATM withdrawal differs from agent withdrawal

ATM withdrawal is self-service, and agent withdrawal runs through a retailer.

At the ATM, the machine verifies the thumbprint and pays the cash directly. At an agent, the retailer processes the payment and hands over the cash. The ATM removes the risk of agent deductions entirely.

That said, agents serve areas without a nearby biometric ATM. A beneficiary far from a bank branch still uses the authorized agent network.

Our wallet withdrawal guide explains the agent and wallet cash-out methods step by step.

Frequently asked questions

Does every ATM in Pakistan support BISP biometric withdrawal?

No. Only biometric-enabled ATMs of HBL and Bank Alfalah process BISP withdrawals. An ordinary ATM without a fingerprint scanner cannot process the transaction.

Can another person withdraw the installment on the beneficiary’s behalf?

No. The machine matches the thumbprint with the beneficiary’s own NADRA record. The beneficiary appears in person for every withdrawal.

Does the ATM charge a fee for a BISP withdrawal?

No. The ATM adds no charge to the transaction. The beneficiary receives the full Rs. 14,500.

What should a beneficiary do when the machine shows a debit but gives no cash?

The beneficiary keeps the receipt, notes the ATM location and the time, and calls the BISP helpline at 0800-26477 with the details.

Does the beneficiary need a smartphone for an ATM withdrawal?

No. The ATM needs only the CNIC number and the thumbprint. The phone plays no role in the transaction.

Does the 8171 SMS service confirm an ATM withdrawal?

Yes. BISP sends the payment alert to the registered mobile number when the installment credits. The beneficiary checks the payment status on 8171 before visiting the ATM, so no trip goes to waste.

Key points to remember

• HBL and Bank Alfalah biometric ATMs process BISP withdrawals.
• The beneficiary needs the original CNIC and a thumbprint, with no debit card and no agent.
• The ATM pays the full Rs. 14,500 with no deduction.
• Visit in daylight, cover the keypad, and keep the receipt.
• A failed thumbprint usually means a dirty or worn fingertip; repeated failures need a tehsil office visit.

Prefer to collect through an agent instead? Read our wallet withdrawal guide for the step-by-step agent method.