What is “BISP Hiring Banks for Payment Disbursement 2025”?

It is BISP’s 2025 initiative to partner with banks and financial institutions so beneficiaries receive stipends via bank accounts, ATMs, agents, and digital wallets instead of camp-based cash distribution.

How do beneficiaries know which bank they’re assigned to?

Beneficiaries can send their CNIC to 8171 or use the BISP web portal/app to view the assigned bank, branch, and activation schedule.

What documents are needed to activate the Sahulat Account?

A valid CNIC, the beneficiary’s mobile number, and successful biometric verification at the assigned branch. If biometrics fail, NADRA Verisys may be used.

Can funds be withdrawn from any ATM?

After activation, beneficiaries can withdraw from the assigned bank’s ATMs and authorized agent locations. Availability may expand as interbank access and wallet features scale.

Are digital wallets part of the 2025 rollout?

Yes. The government announced the launch of millions of digital wallets linked to beneficiaries’ CNICs, aimed at cashless, faster, and more transparent disbursements.

What if the nearest branch is inaccessible or very far?

Bank frameworks allow reassignment to a suitable branch or bank where required. Beneficiaries should confirm options via 8171 or the BISP portal.

BISP 2025: Banks Revolutionize Payment Disbursement

The Benazir Income Support Programme (BISP) is revolutionizing payment disbursement in 2025 by partnering with banks to deliver stipends directly to 9.3 million beneficiaries through Sahulat Accounts and digital wallets, phasing out camp-based systems. Launched on August 26, 2025, this initiative ensures transparent, secure, and dignified cash transfers. Here’s everything you need to know about BISP’s 2025 banking framework, updated as of August 26, 2025, 4:52 PM PKT.

BISP Hiring Banks for Payment Disbursement 2025

What Is BISP’s 2025 Banking Framework?

BISP, Pakistan’s largest social safety net, provides quarterly stipends to low-income women. In 2025, it builds on 2024 agreements with six banks—Habib Bank Limited (HBL), Bank Alfalah, Bank of Punjab, Mobilink Microfinance, Telenor Microfinance Bank, and HBL Microfinance—to disburse Rs 13,500 quarterly stipends. The State Bank of Pakistan’s (SBP) revised Sahulat Account framework (July 2025, Circular No. 17) mandates all banks and microfinance banks (MFBs) to facilitate direct deposits, replacing traditional “hiring” via RFPs with a scalable banking model.

Key Features of the Framework

Sahulat Accounts: Fee-free, limited-mandate accounts for BISP payments, accessible via ATMs, cheques, or over the counter.
Digital Wallets: 10 million wallets launched on August 26, 2025, linked to free SIMs and apps like JazzCash in districts like Rahim Yar Khan.
Biometric Verification: NADRA-validated CNIC data ensures secure account activation, with Verisys as a fallback for biometric failures.
Pilot Phase: Active in eight districts (Karachi, Lahore, Islamabad, Quetta, Peshawar, Muzaffargarh, Muzaffarabad, Gilgit) since August 13, 2025, targeting full rollout by early 2026.

Why Is BISP Partnering with Banks in 2025?

The shift to banks and digital channels addresses longstanding issues in camp-based disbursements, saving Rs 2 billion annually (BISP data). Key reasons include:

Transparency: Direct deposits eliminate agent commissions and leakages.
Accessibility: Beneficiaries access funds 24/7 via ATMs, bank agents, or wallets.
Financial Inclusion: Introduces 9.3 million women to banking, fostering savings and digital services.
Efficiency: Faster disbursements, with August 2025 payments starting August 22.
Dignity: Reduces queues and exploitation, empowering women.

How Are Banks Selected for BISP Payments?

Unlike past RFPs, 2025 leverages existing 2024 contracts with six banks, selected via technical evaluations for nationwide coverage across 15 clusters. SBP’s framework mandates all banks/MFBs to open Sahulat Accounts, with BISP assigning branches based on beneficiary locations. Criteria include:

Infrastructure: Ability to handle biometric verification and ATM liquidity.
Compliance: Adherence to AML/CFT and data security standards.
Accessibility: Branch proximity to rural and urban beneficiaries.

JazzCash supports digital wallets in select districts, enhancing cashless access.

How to Receive BISP Payments in 2025?

Beneficiaries can access stipends through a streamlined process:

Account Opening:
- BISP shares NADRA-verified data (CNIC, name, address) with banks.
- Banks create inactive Sahulat Accounts and share IBANs with BISP.
Activation:
- Beneficiaries receive SMS/8171 portal notifications for assigned branches.
- Visit branches for biometric verification (or Verisys if BV fails).
- Provide mobile number and verbal FATCA/CRS consent.
Accessing Funds:
- Funds are credited directly; withdraw via ATMs, cheques, or digital wallets.
- No fees for BISP transactions; chequebooks (min. 5 leaves) or PayPak cards issued.
Checking Status:
- Text CNIC to 8171 or visit bisp.gov.pk for branch and payment details.

For issues, contact BISP’s helpline or assigned branches. Urdu support available via 8171 (بی آئی ایس پی ادائیگی چیک کریں).

Benefits of the 2025 BISP Banking System

The new system offers transformative advantages:

Security: Traceable deposits reduce fraud.
Flexibility: Use funds for bill payments, school fees, or savings via wallets.
Scalability: Supports 10 million wallets, with Raast integration for instant transfers.
Empowerment: Links to health, education, and employment programs, per BISP’s vision.

Pilot District Coverage

Pilot District	Region	Beneficiaries (Est. Thousands)	Notes
Karachi	Sindh	500	Urban hub, high density
Lahore	Punjab	400	Efficient branch access
Islamabad	Capital Territory	200	Web/SMS testing
Quetta	Balochistan	150	Remote access focus
Peshawar	Khyber Pakhtunkhwa	180	Northern pilot site
Muzaffargarh	Punjab	120	Rural logistics
Muzaffarabad	Azad Kashmir	100	Regional representation
Gilgit	Gilgit-Baltistan	80	High-altitude, remote access

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Challenges to Watch

Despite progress, hurdles remain:

Access: Rural beneficiaries in Gilgit or Quetta may face travel issues.
Digital Literacy: Elderly or less-educated women may struggle with wallets/ATMs.
Technical Issues: Biometric failures or network downtime could delay activations.
Transition: Overlap with old camp systems in non-pilot areas may cause confusion.

BISP and SBP are addressing these via pilot feedback, helplines, and agent support.

FAQs on BISP Hiring Banks for Payment Disbursement 2025

Which banks are handling BISP payments in 2025?

HBL, Bank Alfalah, Bank of Punjab, Mobilink Microfinance, Telenor Microfinance Bank, and HBL Microfinance, per 2024 agreements (BISP data).

How do I check my BISP bank assignment?

Text your CNIC to 8171 or check bisp.gov.pk for your branch and payment status (بی آئی ایس پی بینک تفصیلات).

What if biometric verification fails?

NADRA Verisys is used as a fallback to activate accounts (SBP Circular No. 17, July 2025).

Can I use any ATM for BISP withdrawals?

Yes, withdraw from assigned banks’ ATMs or authorized agents, fee-free.

How do digital wallets work for BISP?

Launched August 26, 2025, wallets link to free SIMs and apps like JazzCash, enabling cashless payments in pilot districts (BISP Press Release).

When will camp disbursements end?

Pilots run in 2025; full banking rollout is expected by early 2026 (SBP data).

Conclusion

BISP’s 2025 banking partnerships mark a leap toward transparent, secure, and inclusive welfare delivery. By leveraging Sahulat Accounts and 10 million digital wallets, BISP empowers 9.3 million women with direct access to Rs 13,500 stipends. Stay updated via 8171 or bisp.gov.pk, and activate your account promptly to benefit from this transformative system.

BISP Hiring Banks for Payment Disbursement 2025: A New Era of Digital Welfare