New Bank Payment System 2025 (BISP 8171)
Pakistan’s government has introduced a new payment method under the BISP 8171 program, allowing eligible women to receive Rs 2,000. 13,500 directly into their bank accounts. The move aims to eliminate fraud, agent deductions, and long queues, ensuring full financial assistance for poor families. The new bank transfer system will be implemented in Phase 4 from September 2025, aiming to improve transparency and promote financial inclusion for low-income women, particularly in underprivileged and rural areas.
You can read more: Reopening in August 2025, the BISP 8171 Portal
In 2025, what will be the new BISP 8171 payment method?
The BISP 8171 payment system aims to transfer funds directly to eligible women’s personal bank accounts without agents or third-party deductions, following complaints about biometric failures, camp delays, agent commissions, and inadequate documentation.
The new payment method’s salient characteristics include:
Funds will be deposited directly into beneficiaries’ personal bank accounts, allowing withdrawals anytime from ATMs or branches. Launched in September 2025 as part of Phase 4, a digital tracking system will track payments and progressively spread throughout Pakistan.
Why was a bank transfer used instead?
Bank Transfer for Financial Empowerment of Poor Women
• Introduces direct payment to beneficiaries.
• Addresses issues of long waits, lack of confidentiality, and agent deductions.
• Ensures full entitlement for beneficiaries.
| Feature | Details |
|---|---|
| Launch Phase | Phase 4 – September 2025 |
| Amount | Rs. 13,500 quarterly + Rs. 2,000 additional allowance |
| Payment Mode | Direct deposit into personal bank accounts |
| Target Group | Low-income women registered under BISP 8171 |
| Old Methods Still Active Until | September 2025 |
| Participating Banks (Expected) | HBL, UBL, Bank Alfalah, BOP, NBP |
| Account Requirement | Women must open a bank account and link it via CNIC |
| Security Features | Biometric verification, digital transaction tracking |
| Advantages | Transparency, safety, no agent deduction, flexible ATM access |
| NSER Survey Requirement | Completed in 2024 or 2025 |
| Verification | Via 8171 SMS and CNIC |
The BISP Bank Transfer System’s main advantages
Benefits of Digital Payment System for Women
• Provides transparency through digitally recorded payments.
• Ensures security by eliminating cash theft and fraud.
• Offers convenience with flexible fund withdrawal options.
• Promotes respect and dignity by eliminating public queues and agent dependency.
• Encourages women to use formal banking services and save money.
• Facilitates beneficiaries’ financial identity creation for future programs, loans, or savings schemes.
Who may use the new bank payment mechanism offered by BISP?
Eligibility Requirements for Direct Payments
• BISP 8171 program registration required.
• NSER survey completed in 2024 or 2025.
• Valid, unexpired CNIC in the woman’s name.
• PMT score within eligible range.
• No large assets or foreign travel history.
• Bank account opening required upon BISP notification.
• Non-compliant beneficiaries receive payments through existing methods.
Present BISP Payment Methods (through September 2025)
BISP 8171 Beneficiaries Payment Options
• BISP campsites in cities and districts.
• HBL Connect Retailer Shops.
• Mobile vans for hard-to-reach areas.
• HBL ATMs for payment card holders.
• Methods valid until bank transfer system implementation.
How can I get ready to link my bank account?
BISP Account Linking System Preparation
• Wait for SMS notification from 8171 to initiate account linking.
• Open a personal bank account at a participating bank branch.
• Bring the original CNIC and verify identity via biometric thumb impression.
• Submit bank details to BISP via the online portal or nearest center.
• Receive confirmation SMS and automatic transfer of future payments.
• Ensure an active mobile number for BISP messages.
It is anticipated that banks will take part in the BISP 2025 bank transfer system.
The initiative will involve Habib Bank Limited (HBL), United Bank Limited (UBL), Bank Alfalah, Bank of Punjab (BOP), and National Bank of Pakistan (NBP), with only select branches operating. The official list of participating banks is yet to be released.
You can read more: Phase 3 Payments for Benazir Kafalat August 2025
Conclusion
Pakistan’s BISP 8171 has introduced a direct bank transfer system, marking a significant shift in social assistance distribution. This system eliminates middlemen and ensures women receive full payments with transparency, reducing corruption and empowering them with financial independence. Beneficiaries are advised to verify their CNIC validity and open bank accounts promptly.
FAQs
1. How can I determine the best time to connect my bank account to BISP?
An official SMS from 8171 will be sent to you, telling you to go to a participating bank and create a personal account. Until you receive this notice, do not take any action.
2. What paperwork is required to create a bank account connected to BISP?
In addition to an active cellphone number and your original CNIC, you will need to provide a biometric thumb impression at the bank to prove your identification.
3. What occurs if I miss the deadline for opening a bank account?
You will continue to get paid using the current channels, such as campgrounds, HBL merchants, or mobile vans, until you finish the changeover if you don’t link your account by the deadline.