Atm Withdrawal In Pakistan

Nasir Khan said:

Here is actual news =============== Biometric verification has been made mandatory for opening a new bank account and using ATMs by the State Bank of Pakistan. This applies to all private and government banks and will be in effect from January 2016. All ATMs in the country will soon be fitted with biometric scanners to get the finger impressions of people using ATM cards to withdraw or transfer cash. The decision comes from the Federal Investigation Agency, which has seen an increasing numbers of cases related to electronic crimes, fund transfers to terrorist outfits, general misuses of bank account and ATM card fraud. The move will also help eliminate fake bank accounts as well as tax evasion. The whole process is expected to start from January 2016. Banks would have to get fingerprints of customers before they open an account and existing bank account holders would also have to go through the process.

Now that's a really worry sign. What we will do then.

But i am sure there will be something for International Card Holders who don't have biometric thing in these cards.

But we have to start preparing before that happen.

We have to establish a community or federation so in any bad case we can able to talk to Govt officials.

can you guys post your comments here to show payoneer support that how much we need bank transfer service in pakistan http://community.payoneer.com/en/discussion/28368/withdraw-to-our-local-bank-accounts-for-payoneer-community-official#latest
so i just reuqest you all to post your comments on my thread which i open for you to show them we must need this service asap thanks.

rooch99 said:

standard chartered is no more accepting ATM withdrawrs i try it it says this card is not supportable i am worry any other facing this to?

Oh no another bank gone, now only Bank Alfalah and MCB left.
What will we do if both will also close in some day.

@Nissim Please look on this matter and start Local Bank transfer to Pakistan ASAP.

Chill guys SBP didn't instruct any bank to install bio-metric ATM's at their banks by Dec 31, 2015.

This is just a mis-confusion spread by the author (@Syed Talal) of an article  posted on ProPakistani blog:
http://propakistani.pk/2015/08/31/sbp-makes-biometric-verification-mandatory-for-opening-bank-accounts-and-using-atms/

Check this original circular link issued by SBP:
http://www.sbp.org.pk/bprd/2015/CL13.htm

Read it carefully, there is no single word of biometric ATM's used in this circular.

here is the specific point they instruct banks:

"3. Further, banks/DFIs are advised to make use of bio-metric technology at the branch level for verification of particulars of prospective customers. Installation of bio-metric machines at branches should be completed by December 31, 2015."

So basically they instruct to install bio-metric machines at branches to verify the particulars of customers not bio-metric ATM's.

I also talked to one of VP of SBP and he told me that they didn't instruct banks to install bio-metric ATM's by Dec 31, 2015 and if any bank wish to install it by its own they can.

So guys relax International cards are not dying from Jan 1, 2016 and we will continue to use Payoneer cards provided that banks won't stop that by their own.

But we still need Local Bank Transfer facility.

Regards,
Nommi

Anyone tried Standard Chartered ATMs again? Are they still accepting? By the way, if local bank transfer facility is enabled once again for Pakistan, that will put load off ATMs and no bank will decide to stop accepting foreign cards.

I guess, Payoneer officials are hibernating. No one is here to reply. While Pakistan is one of the biggest source of funding for Payoneer as there are thousands and thousands of freelancers, bloggers and web developers who are working online and using Payoneer. If they are all gone at once, Payoneer business will suffer badly. So, this company should take us seriously. No kidding.

@Nissim

@A. Talal This is not the case. Banks can't interpret wrongly of any SBP circular this is not possible.

This whole speculation came after that ProPakitani article in which they told all wrongly that SBP instructed all banks to install bio-metric ATMs by end of this year.

So chill and don't worry but yes we still support to bring back local bank transfer service to Pakistan.

guys did you try MCB again one of my friend told that they lift limit and you can withdraw 20k money with 1 transaction but i m not yet or confirm with my own transaction so guys you try MCB again and update here that is true or not because my friend just txt me about this so yet i m not visit mcb to confirm thanks.

@webdeem
Today I went to UBL ATM only to find out they did have implemented bio-metric verification process at several ATMs. (not to use Payoneer. Payoneer does not work with UBL ATM). But the wise decision they have taken is that they give two options when you insert your card: 1- Biometric Verification 2- PIN Validation. I simply chose PIN Validation, entered PIN and proceeded with transaction. So, your interpretation is wrong. Bio-metric system is actually being implemented.

i think its a false hope. things mostly get worse here.. i remember when MCB put a limit, some one emailed them as well and their reply was kind of same that its temporary etc..

most of these bankers dont know any thing about new rules and regulation. i remember when IBAN was introduced here i went to my bank and asked for my IBAN and they were like whats that??!!

any how hope for the best and prepare for worst..

A.Talal said:

@webdeem
Today I went to UBL ATM only to find out they did have implemented bio-metric verification process at several ATMs. (not to use Payoneer. Payoneer does not work with UBL ATM). But the wise decision they have taken is that they give two options when you insert your card: 1- Biometric Verification 2- PIN Validation. I simply chose PIN Validation, entered PIN and proceeded with transaction. So, your interpretation is wrong. Bio-metric system is actually being implemented.

@A.Talal when i said that bio-metric ATMs are not in the market.

Read my post again I told that any bank if wish to implement bio-metric ATMs it can by its own but what I clarify was that there were no instructions from SBP to any bank that they have to implement bio-metric ATMs by end of this year.

It's banks own discretion whether they implement bio-metric ATMs or not.

And yes even after all banks implemented bio-metric ATM's they can't ignore international cards and will have some way to use these as you told there were 2 options ATM gave to you to select whether to use bio-metric or pin verification.

These international cards are their heavy source of income as they deduct Rs. 200 - 300 per transaction whereas local cards they get around Rs 17 - 18 per transaction.

So international cards will never die even after implementation of bio-metric ATM's.

Also BankIslami has already implemented card less bio-metric ATMs so no need of card just verify yourself through bio-metric and get cash from your account without the use of card.

Presently only Bank al-falah is giving good rate of exchange and per session limit is Rs. 20,000
Faisal bank  is no more woking.
Some SCB atms are working
MCB has limit of Rs. 10,000 per atm during 24 hours with Rs. 300 charges.

Thanks Nasir khan i will try my luck once again at bank alfalah i hope it will solve my issue

hello friends,
another payoneer avid user here .. being a spot fx trader , i use payoneer mostly for conducting transactions with brokers.., but during the last few months, im having severe problems using the card for atm withdrawals..
please can u give names of some atm's in karachi where these cards are accepted apart from bank alfalah ?

thanks a lot!

Nasir Khan said:

ahmaed said:

hello friends,
another payoneer avid user here .. being a spot fx trader , i use payoneer mostly for conducting transactions with brokers.., but during the last few months, im having severe problems using the card for atm withdrawals..
please can u give names of some atm's in karachi where these cards are accepted apart from bank alfalah ?

thanks a lot!

In karachi I have tried bank al-falah of Hyderi, Agha Juice, Beauomont plaza.
MCB branches which I used in the past are north nazimabad, Abdullah Haroon, PIDC.
Use previous year SCB, garden road branch, not know presently working or not.
Samba bank is not accepting payoneer card anymore.

Please note that presently only Bank Al-falah offering best rate, without any extra fee and any session withdrawal limitation.

Yes I endorse all the things which Nasir Khan wrote.

I've tried almost all these branches which Nasir told and found same.

Yes right now only good available option remaining in Pakistan to withdraw from Payoneer card is Bank Alfalah, hopefully Samba Bank re-start it again soon.

hey guys,
anyone tried dib bank and icbc bank for payoneer atm withdrawals ??

thanks a lot!

DIB    : Dubai Islamic Bank
ICBC : Industrial and Commercial Bank of China Ltd

Never tried these bank. HSBC ATM were accepting master card in past though I never tried it. In Oct 2014 Meezan bank has acquire HSBC branches and as we all know that Meezan Bank Atm does'nt support master card.

Hi,
yesterday I have face a problem, I made transaction for withdraw $200 from ATM but machine didn't withdraw my money and slip, when I checked my statement balance have deduct from my account $204 and showing in Pending Authorizations . Do you have any Idea should I contact the branch manager from where I withdraw my money or should I just wait for Payoneer to update transaction history???

please tell me is there any ATM in sargodha that working with Payoneer well. if any then please give me the address of that ATM machine. please its urgent.

DEAL BETWEEN BANK AL-FALAH AND MASTERCARD
==========================================
Wondering why bank-alfalah is working without any hassle and problem. Here is official press release from master card. Nothing mentioned about payoneer.but at least we know that there is some deal between master and bank al-falah

http://newsroom.mastercard.com/mea/press-releases/bank-alfalah-brings-mastercard-internet-gateway-system-to-pakistan/

------------------------------------------------------------
5th July 2015 – Bank Alfalah and MasterCard recently signed an agreement to bring MasterCard Internet Gateway System (MIGS) to Pakistan. The system connects online merchants and websites with customers by accepting credit cards on the internet. This partnership is of great significance as it brings together Pakistan’s leading card services provider, Bank Alfalah and MasterCard’s expertise and technology.

Speaking on the occasion, Mr. Atif Bajwa, President & CEO, Bank Alfalah said, “We continue our quest to develop a world class payments eco system in Pakistan that creates value and convenience for customers, merchants, and partners. Bank Alfalah will leverage its flagship merchant acquiring business to develop the e-commerce space through MIGS in the country.”

Mr. Raghu Malhotra, President, Middle East and North Africa, MasterCard comments, “We are delighted to announce this deal with Bank Alfalah as we continue to drive the evolution of payments in Pakistan. Business owners can now easily take their businesses online and offer their customers the convenience and security of electronic payments.”
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This is great deal and we need other banks should also make such deal, which will provide more payment solution to all of us. 

Nasir Khan said:

DEAL BETWEEN BANK AL-FALAH AND MASTERCARD
==========================================
Wondering why bank-alfalah is working without any hassle and problem. Here is official press release from master card. Nothing mentioned about payoneer.but at least we know that there is some deal between master and bank al-falah

http://newsroom.mastercard.com/mea/press-releases/bank-alfalah-brings-mastercard-internet-gateway-system-to-pakistan/

------------------------------------------------------------
5th July 2015 – Bank Alfalah and MasterCard recently signed an agreement to bring MasterCard Internet Gateway System (MIGS) to Pakistan. The system connects online merchants and websites with customers by accepting credit cards on the internet. This partnership is of great significance as it brings together Pakistan’s leading card services provider, Bank Alfalah and MasterCard’s expertise and technology.

Speaking on the occasion, Mr. Atif Bajwa, President & CEO, Bank Alfalah said, “We continue our quest to develop a world class payments eco system in Pakistan that creates value and convenience for customers, merchants, and partners. Bank Alfalah will leverage its flagship merchant acquiring business to develop the e-commerce space through MIGS in the country.”

Mr. Raghu Malhotra, President, Middle East and North Africa, MasterCard comments, “We are delighted to announce this deal with Bank Alfalah as we continue to drive the evolution of payments in Pakistan. Business owners can now easily take their businesses online and offer their customers the convenience and security of electronic payments.”
----------------------------------------------------------------------------------------------------

This is great deal and we need other banks should also make such deal, which will provide more payment solution to all of us. 

Thanks nasir bahi you did good job keep updating us if any news regarding ATM good job

bank alfalah is the best i have withdrawal on 25 sep
and its only $201.24 deducted so it means $1.24 is the charge of bank alfalah

> In karachi I have tried bank al-falah of Hyderi, Agha Juice, Beauomont plaza.

Hey Nasir, can you tell what 'area' it is where Agha Juice Bank Alfalah Branch is located.
Thanks

Skat said:

> In karachi I have tried bank al-falah of Hyderi, Agha Juice, Beauomont plaza.

Hey Nasir, can you tell what 'area' it is where Agha Juice Bank Alfalah Branch is located.
Thanks

It is near agha juice, north namizabad block H. If u r coming from five star chorangi, then u will find it on the right side on main road, and if u r coming from landi cotal chorangi then u can see it on your left side.
Hyderi branch is also near to this branch. Previous week, Hyderi branch atm was out of order, I went to near agha juice branch and successfully withdrawn my amount.

Today i also had problem with cash Withdrawl from bank Alfalah, Deducted from card but Not collected from ATM,

Today i also had problem with cash Withdrawl from bank Alfalah, Deducted from card but Not collected from ATM,

update:
, after 28 hours , i got the full amount back in my card

@Kiani said:
Only 10 Transactions allowed per day,

in Pak Rs = 2 Lak, but after 18 hours you can get more transactions.

hope it will help!

Thanks, i thought only 1 transaction @ 20,000 per day allowed @ Bank Alfalah

@Kiani Why i was charged withdrawal fees $3.15? Any idea

I made a transaction on 2 November 2015 and money didn't came out and my amount has been deducted from my payoneer account, any idea how can I ask them to refund it and I used Bank Alfalah

I have received an email from payoneer that they have shipped EMV Card for me, Is anyone using these cards already? I had seen some posts in past that chip cards are not working properly on atm's. Can anyone please share his experience so that i can be sure before activating new card. Thanks in advance!

Hi All,

One of my affiliate partner ask me for US Address to transfer my payments in my Payoneer Account. Kindly provide me genuine US Address so I can get my $500.

Waiting for reply.

Best Regards,
Saahil

Hi, 3 days ago i tried bank alfalah islamic branch f10, there normal atm;s were not working, so i dont know why but when i entered custom amount (20K), finally atm gave me my current balance, totally i tried 3 times, and later when i checked payoneer deducted 3$ for checking balance. I never used BAL islamic branch before may be this is the reason, as the bank guy told me to try normal branch atm.

afridi2129 said:

Hi, 3 days ago i tried bank alfalah islamic branch f10, there normal atm;s were not working, so i dont know why but when i entered custom amount (20K), finally atm gave me my current balance, totally i tried 3 times, and later when i checked payoneer deducted 3$ for checking balance. I never used BAL islamic branch before may be this is the reason, as the bank guy told me to try normal branch atm.

Never use Islamic Bank Branch ATM's for Payoneer withdrawals as they won't allow international transactions.

I've tried so many branches before and they only give balance and around $1 deducts from balance.

and i m also being charged 3.15 withdrawal fee? what is the payoneer partner that i m using? i transferred from paypal to payoneer.

@ahmad53 please contact live chat, they will send you a link for pin change

no

> @ali_zahoor said:
> hello
> is there any card activation fee..???? first time i want to use

There is no activation fee, its free.

Fawadzia said:

Guys can you please let me know if I can increase my transaction limit in any bank atm available in Karachi. It deducts PKR 300 on every transaction while withdrawing. I am using standard chartered atm and it has a limit of PKR 20,000. Is this also the case with every other bank atm's? I mean is there a limit of withdrawal per transaction of Rs. 20000/- in MCB, Bank Alfalah as well?

SCB + Bank Alfalah limit is 20,000
MCB limit is 10,000

BTW standard chartered atm is working well without any problem??

Po786 said:

I tried Samba Bank, Bank Al Falah and SCB ATMs today and none of them worked. Can anyone update which ATM I should use? Oh yeah and I wanted to withdraw an amount less than PKR 15000

Bank Alfalah works for me

Po786 said:

Which branch? All of the ATMs asked me to choose which kind of an account I have: current, saving, etc? I chose current because I wasn't sure. I don't remember this showing up when I withdrew from Samba Bank last time. I checked the SCB, Samba Bank ATMs they all said they accepted MasterCards. Don't know what's wrong. Anyone knows what I'm missing? I doubt I was using the international ATM

As far i know only Bank alfalah works for payoneer master card. You can use any bank alfalah branch atm machine. Once you enter card, it will request for pin, after pin you can choose any current or saving, then click on other amount (do not click on fast cash as it is prefigured amount to withdraw) enter amount e.g 15000
Hope it helps
Here is screenshort of my last transaction 

> @langau said:
> Fawadzia said:
>
>
> Guys can you please let me know if I can increase my transaction limit in any bank atm available in Karachi. It deducts PKR 300 on every transaction while withdrawing. I am using standard chartered atm and it has a limit of PKR 20,000. Is this also the case with every other bank atm's? I mean is there a limit of withdrawal per transaction of Rs. 20000/- in MCB, Bank Alfalah as well?
>
>
>
>
>
>
>
> SCB + Bank Alfalah limit is 20,000
> MCB limit is 10,000
>
> BTW standard chartered atm is working well without any problem??

I used SCB branch of Khalid bin waleed road and last week used there Nazimabad Branch and both were smooth transactions except there exchange rate was quite as compared to bank alfalah which I am seeing here.

Hi Fawadzia,
Do you know which branches of Bank Alfalah in Karachi are accepting payoneer card?

I use SCB tried Bank Alfalah ATM a couple of months ago for withdrawals it declined, I cann't recall the message, but then I tried SCB and it worked.

Bank Alfalah is offering better conversion rates and deducting lesser as charges than SCB.

Dear Pakistani,
Please atm se withdraw k bajaye agar ap direct apne Bank me paise transfer karen to behtar nahi he kia?
Ap log samajh rahe honge k me pagal hon payoneer to aisi koi service ni de rha he. Bilkul aisi service ni de rha but hum Skrill account bana kar osko verify kara kar or os me apni kisi b banki detail dal kar apne payoneer master card se apne Skrill me paise transfer karen or phir Skrill ko use karte howe apne bank me Direct deposite karen total 5 working days me sari film kkhatam hojayegi. na chori ka dar na atm walo ke nakhre bardash karne parenge. Kia bolte ho bhaiyu?

tahir said:

Dear Pakistani,
Please atm se withdraw k bajaye agar ap direct apne Bank me paise transfer karen to behtar nahi he kia?
Ap log samajh rahe honge k me pagal hon payoneer to aisi koi service ni de rha he. Bilkul aisi service ni de rha but hum Skrill account bana kar osko verify kara kar or os me apni kisi b banki detail dal kar apne payoneer master card se apne Skrill me paise transfer karen or phir Skrill ko use karte howe apne bank me Direct deposite karen total 5 working days me sari film kkhatam hojayegi. na chori ka dar na atm walo ke nakhre bardash karne parenge. Kia bolte ho bhaiyu?

I occassionally use skrill but their intermediary bank deduct 20-25 euro. Skrill also charges conversion fee from Dollar to Euro as skrill now send money to Pakitani banks in euro not in dollar .Finally if add skrill withdrawal fee to all above then skrill is more costly then payoneer. .

1 hi din me 2 transactions kr skty hain kia 20000 ki?

Today 9 December 2015 Transaction from SC bank baghbanpura,lahore branch
20000 charges 204$

Good to know that

Hello friend,

someone facing problem of withdrawing money via the atm's? I was suing SCB without any issues but recently i am facing issue to withdraw my fund. I have used many atm's like SCB, MCB, Faysal bank, Bank al falah. Some says "Invalid Transaction", "Host status unknown", "Transaction done on holidays will be posted on next working day card deactivated". I don't know what's going on with my card.

I have over USD $1100. I have contacted with support teams but they said everything is fine from our end but the issue is still exist. someone of you having same issue? what you have done to resolve this issue?

I will appreciate your help in this regards.

Thank you

> @Usman9635 said:
> Hello, i have 119 in my account. I went to the Bank of Punjab but there was an error and i could not withdraw my money. Please help i'm a new member in payoneer.

Bank Al-Falah ki Consumer (not Islamic) Branches ki Atms use kro :)

Kindly help me which bank is suitable to use my payoneer card?