Quick answer: In 2026 BISP moved Benazir Kafaalat payments to digital wallets. Each beneficiary has a wallet linked to her officially issued Benazir SIM. When a payment is credited, she gets an SMS from 8171 and can withdraw cash with her CNIC and thumbprint at an authorised retailer or agent of a BISP partner bank. Keep the Benazir SIM active and in your own phone. Without it, your payment can be held.
For years BISP payments were collected at bank-run campsites and retailers, where long queues and illegal deductions were common. The digital wallet is meant to give each woman an account in her own name and more control over when and where she withdraws. Here is how it works in practice.
What is the BISP digital wallet?
The wallet is a mobile account opened in the beneficiary's name with one of BISP's partner banks or payment providers, and linked to a SIM issued for her. BISP sometimes calls it the social protection wallet. Your quarterly Benazir Kafaalat payment, and any Taleemi Wazaif or Nashonuma stipend, is credited to it.
In BISP's announcements, banks and providers named in connection with the payment system included HBL, Bank Alfalah, the Bank of Punjab, HBL Microfinance Bank, Easypaisa and JazzCash. The provider for your area is decided by BISP. You do not choose or pay for it.
What is the Benazir SIM?
The Benazir SIM is a mobile SIM registered with the beneficiary's own CNIC and provided through BISP's arrangement with mobile networks. It receives the 8171 SMS and is the key to the wallet.
- It must be biometrically registered in the beneficiary's name.
- It must stay active. Use it regularly for calls or SMS so the network does not block it.
- Keep it in your own phone, not with a relative, shopkeeper or agent.
BISP has warned that beneficiaries without the official SIM will not receive payments into the wallet. If you have not received your SIM, ask at your BISP tehsil office.
How to withdraw your BISP payment from the wallet
- Wait for the SMS from 8171 saying your payment has been credited.
- Go to an authorised retailer or agent of the partner bank in your area. BISP staff and the SMS can guide you.
- Show your original CNIC and verify with your thumbprint.
- Receive the cash and count it in front of the agent. You should get the full amount.
- Keep the confirmation SMS. BISP has said beneficiaries receive a message after withdrawal.
You do not have to withdraw on the first day. The money stays in your wallet, so you can avoid the rush of the first days.
Lost SIM, broken phone or blocked wallet
- Lost or stolen SIM: go to the franchise of the mobile network with your CNIC and ask for a replacement SIM on the same number, with biometric verification. Then inform the BISP tehsil office.
- Phone broken: the SIM still works in another basic phone.
- Wallet blocked or payment not visible: visit the BISP tehsil office with your CNIC, or call 0800-26477. See our complaint guide.
- CNIC expired: renew it at NADRA. An expired CNIC can stop withdrawals.
Keep your wallet safe
- Never share an OTP or PIN. Nobody from BISP, a bank or a network will ask for it.
- Do not let anyone "help" by holding your phone. Agents who keep the phone can make transactions.
- Ignore wallet-transfer requests. Messages asking you to send money "to unlock" a payment are scams. Test them in our fake BISP message checker, and read how to spot BISP scams.
- No deductions. Agents may not keep any money "for service". Report it on 0800-26477.
Frequently asked questions
What is the BISP digital wallet?
It is a mobile account in the beneficiary's name, linked to her Benazir SIM, into which BISP credits Kafaalat and other payments.
How do I withdraw money from the BISP wallet?
After the SMS from 8171, visit an authorised retailer or agent of the partner bank with your original CNIC and verify with your thumbprint.
What happens if I do not have the Benazir SIM?
BISP has said payments go only to the wallet linked to the official SIM, so without it your payment can be held. Ask your BISP tehsil office for the SIM.
My Benazir SIM is lost. What should I do?
Get a replacement SIM on the same number from the mobile network franchise with your CNIC and biometric verification, then inform the BISP office.
Can someone else withdraw my BISP payment?
No. Withdrawal needs the beneficiary's CNIC and thumbprint. Never give your phone, SIM or codes to anyone.
Sources
- BISP Press Release No. 45, 8 June 2026 (digital wallets): bisp.gov.pk
- BISP Press Release No. 50, 18 June 2026 (partner-bank withdrawals): bisp.gov.pk
- BISP official website: bisp.gov.pk
Haqdaar is independent and not part of BISP. Rules and amounts change, so confirm with the official helpline 0800-26477 or 8171.bisp.gov.pk.
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