BISP Launches Direct Bank Transfers & Mobile Wallets
BISP Launches Direct Bank Transfers & Mobile Wallets:In a major development, the Benazir Income Support Programme (BISP) has officially launched Direct Bank Transfer and Mobile Wallet Payment Methods for beneficiaries across Pakistan. The 2025 initiative marks a historic shift from traditional cash-based systems to secure, fast, and digital financial services. This reform aims to reduce fraud, ensure transparency, and make payments easier for women in both urban and rural areas.
A Revolutionary Change in Pakistan’s Social Welfare System
The Government of Pakistan has confirmed that all future payments under BISP—including Kafaalat, Taleemi Wazifa, Nashonuma, and Social Protection assistance—will gradually move toward digital payout systems. This means that instead of going to crowded camp sites or retail points, beneficiaries can now receive money directly into bank accounts or mobile wallets.
The decision has been welcomed as a breakthrough step toward financial inclusion and modern digital governance.
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Direct Bank Transfer System (DBT)
The newly introduced Direct Bank Transfer (DBT) allows beneficiaries to receive their full BISP installment directly into their personal bank accounts. This method ensures:
- Zero deductions
- No middlemen
- Full privacy and security
- 24/7 access to funds
- Convenient withdrawals through ATMs
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How It Works
- Beneficiaries register their bank account number through the official BISP portal or service center.
- Verification is completed through NADRA biometric matching.
- Once verified, future installments are transferred directly to the beneficiary’s bank account.
- The recipient receives an SMS alert upon payment release.
This system is particularly helpful for women living in cities or women who already use bank accounts.
Partner Banks for DBT
The 2025 rollout includes partnerships with major banks such as:
- HBL
- Bank Alfalah
- UBL
- Meezan Bank
- JazzCash Bank Partner Networks
More banks will be added in upcoming phases.
Mobile Wallet Payments (Digital Wallets)
To make payments accessible for women without bank accounts, BISP has partnered with mobile wallet providers. This option allows funds to be received and withdrawn through mobile money accounts, even on simple phones.
- Approved Mobile Wallets for BISP
- JazzCash
- Easypaisa
- UPaisa
- NayaPay (in pilot districts)
- Benefits of Mobile Wallet Payments
- No need to visit branches or long queues
- Easy withdrawal from thousands of mobile money agents
- Fast and real-time payment notifications
- Ability to pay bills and buy mobile load
- Secure PIN-protected transactions
How to Register for Mobile Wallet Payments
- Visit your nearest mobile wallet agent with CNIC.
- Open a biometric-verified mobile account.
- Link your wallet with your BISP CNIC through the 8171 portal.
- Receive confirmation SMS after activation.
Security and Anti-Fraud Measures
The government has emphasized strict protections under the new system:
- Only biometric-verified accounts will receive payments.
- No agent is allowed to cut money from your installment.
- BISP will send updates only from 8171.
- All withdrawals must be done through official bank ATMs or wallet agents.
Beneficiaries are advised never to share OTPs, PIN numbers, or CNIC copies with unknown persons.
Why This Change Was Needed
For years, beneficiaries faced:
- Long waiting lines
- Biometric failures
- Deductions by agents
- Unreliable payment centers
The new system aims to eliminate these problems and provide a smooth, safe, and transparent payment experience.
Future Plans
BISP has announced that the entire payment system will shift to digital mode by 2026. Additional features under development include:
- Digital 8171 Dashboard for real-time balance checking
- QR-code withdrawal system
- Women-friendly ATMs in rural districts
- No-fee cash-out policy at partner agencies
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Conclusion
The introduction of Direct Bank Transfers and Mobile Wallet Payments marks a transformative moment in BISP’s history. The new digital payment framework brings efficiency, transparency, and dignity to millions of families nationwide. With this historic reform, Pakistan takes a major step toward modern digital welfare, ensuring that every beneficiary receives their rightful financial support—securely, quickly, and without any deductions