Fri. Jul 12th, 2024

Introduction to BISP

The Benazir Income Support Programme (BISP) is a government initiative designed to provide financial assistance to the most vulnerable segments of Pakistan’s population. Launched in 2008, BISP aims to alleviate poverty and empower women through unconditional cash transfers. Over the years, the program has evolved, incorporating various methods to ensure the efficient distribution of funds. One such method is the disbursement of payments through Automated Teller Machines (ATMs), which is set to resume on 15th July.

BISP Beneficiaries

Overview of BISP

The Benazir Income Support Programme (BISP) has announced the resumption of its ATM payment service from 15th July. This initiative aims to provide beneficiaries with the convenience of withdrawing their quarterly payments of PKR 10,500 directly from ATMs. This move is part of BISP’s ongoing efforts to streamline the disbursement process and ensure timely financial support to those in need.


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Key Initiatives

1. Nationwide Awareness Campaign

To ensure that all beneficiaries are informed about the resumption of ATM payments, a nationwide awareness campaign will be launched. This campaign will utilize various media channels, including television, radio, newspapers, and social media platforms, to disseminate information about the updated payment procedures.



2. Beneficiary Education and Support

Educational programs will be conducted to guide beneficiaries on how to use ATM services for withdrawing their funds. These programs will include:

• Workshops and Seminars:

Conducted in local communities to provide hands-on training.

• Instructional Materials:

Distribution of brochures and instructional videos in local languages.

• Helpline Support:

Establishing a dedicated helpline to assist beneficiaries with any issues related to ATM usage.


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3. Enhanced ATM Network

To facilitate easy access to funds, the ATM network will be expanded and enhanced across the country, particularly in rural and underserved areas. This initiative will involve:

• Installation of New ATMs:

Increasing the number of ATMs in remote locations.

• Collaboration with Banks:

Partnering with banks to ensure adequate maintenance and functionality of ATMs.

• Accessibility Features:

Ensuring ATMs are user-friendly for people with disabilities.


4. Secure and Efficient Payment System

The security and efficiency of the payment system will be prioritized to safeguard beneficiaries’ funds and personal information. Measures include:

• Biometric Verification:

Implementing biometric verification at ATMs to prevent fraud.

• Real-time Monitoring:

Utilizing advanced monitoring systems to track transactions and detect any irregularities.

• User-Friendly Interfaces:

Simplifying ATM interfaces to make transactions easier for beneficiaries.


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5. Feedback and Grievance Redressal Mechanism

A robust feedback and grievance redressal mechanism will be established to address any issues beneficiaries may face with the ATM payments. This will include:

• Feedback Channels:

Providing multiple channels for beneficiaries to submit feedback, including online portals, SMS, and customer service centers.

• Grievance Cells:

Setting up dedicated cells at local offices to handle complaints and resolve issues promptly.

• Periodic Reviews:

Regularly reviewing feedback to make continuous improvements to the payment process.


6. Collaboration with Stakeholders

The success of this initiative relies on the collaboration with various stakeholders, including:

• Local Governments:

Working with local authorities to ensure smooth implementation and support for beneficiaries.

• Community Organizations:

Partnering with NGOs and community groups to assist in educating and supporting beneficiaries.

• Financial Institutions:

Collaborating with banks and financial institutions to enhance the ATM network and ensure secure transactions.


7. Monitoring and Evaluation

Continuous monitoring and evaluation will be carried out to assess the effectiveness of the ATM payment system. This will involve:

• Data Analysis:

Analyzing transaction data to identify any patterns or issues.

• Beneficiary Surveys:

Conducting surveys to gather feedback from beneficiaries about their experiences.

• Impact Assessments:

Evaluating the overall impact of the ATM payment system on beneficiaries’ financial well-being.


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Importance of the ATM Payment System

The introduction of the ATM payment system by BISP marks a significant advancement in the program’s efforts to modernize and facilitate ease of access for its beneficiaries. The ability to withdraw payments from ATMs provides several advantages:

1. Convenience:

Beneficiaries can withdraw their payments at any time, without the need to wait in long queues at specific distribution points.

2. Accessibility:

With a vast network of ATMs across the country, beneficiaries can access their funds from various locations, reducing travel time and costs.

3. Transparency:

The use of ATMs ensures a transparent and traceable method of payment, minimizing the risk of fraud and ensuring that the funds reach the intended recipients.


Resumption of ATM Payments: What Beneficiaries Need to Know

As the ATM payment system resumes on 15th July, beneficiaries of BISP will receive PKR 10,500, which represents their quarterly payment. Here are some important details that beneficiaries should be aware of:

• ATM Card Activation:

Beneficiaries must ensure that their BISP ATM cards are activated and in working condition. If there are any issues with the card, they should contact the nearest BISP office or helpline for assistance.

• Withdrawal Limitations:

While the total payment is PKR 10,500, beneficiaries should check with their respective banks for any daily withdrawal limits that may apply.

• Security Precautions:

It is crucial for beneficiaries to be vigilant when using ATMs. They should ensure their PINs are kept confidential, avoid using ATMs in isolated locations, and be cautious of any suspicious activities around the ATM.

How BISP is Addressing Common Challenges

The BISP administration is aware of the challenges that come with disbursing payments through ATMs and has taken several measures to address these issues:

1. Technical Support:

A dedicated helpline is available for beneficiaries facing technical difficulties with their ATM cards or transactions.

2. Awareness Campaigns:

BISP is conducting awareness campaigns to educate beneficiaries on how to use ATMs safely and efficiently.

3. Partnerships with Banks:

BISP has partnered with several banks to ensure that ATMs are well-maintained and functional, and to provide additional support to beneficiaries.


Frequently Asked Questions (FAQs)

1. What is the BISP ATM payment system?

The BISP ATM payment system allows beneficiaries to withdraw their quarterly payments directly from ATMs using a specially issued BISP ATM card.

2. When will the ATM payment system resume?

The ATM payment system will resume on 15th July.

3. How much will each beneficiary receive?

Each beneficiary will receive a payment of PKR 10,500.

4. What should I do if my ATM card is not working?

If your ATM card is not working, contact the nearest BISP office or the BISP helpline for assistance.

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5. Are there any withdrawal limits for the ATM payments?

While the total payment is PKR 10,500, you should check with your bank for any daily withdrawal limits that may apply.

6. What security precautions should I take when using an ATM?

Ensure your PIN is kept confidential, avoid using ATMs in isolated locations, and be cautious of any suspicious activities around the ATM.

7. Who can I contact for help with technical issues?

For technical issues, you can contact the BISP helpline or visit the nearest BISP office.

8. How can I ensure my payment reaches me safely?

By following the security precautions and keeping your contact information updated with BISP, you can ensure your payment reaches you safely.


The resumption of ATM payments by Benazir Income Support Program (BISP) from 15th July is a significant step towards enhancing the convenience and efficiency of the program. With a focus on transparency, accessibility, and security, BISP continues to evolve in its mission to provide financial support to the most vulnerable segments of society. Beneficiaries are encouraged to familiarize themselves with the new system, adhere to security guidelines, and reach out to BISP support services for any assistance needed.

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