ATM charges in Pakistan are still regulated by the State Bank of Pakistan (SBP), but your costs can vary depending on the bank, card type, and whether you use your own bank’s ATM or another one. If you’re someone who regularly uses ATMs, it’s important to stay updated with these fees to avoid surprises.
Free Withdrawals from Own Bank ATMs
For most account holders, ATM withdrawal charges in Pakistan are free when using the ATM of your own bank. Whether you bank with HBL, Allied Bank, or Bank Al Habib, cash withdrawals at your own bank’s ATMs remain cost-free. However, small fees ranging from PKR 5 to PKR 25 may apply for balance inquiries or mini-statements even at your own bank.
Other Bank ATM Charges
When it comes to using another bank’s ATM, ATM charges in Pakistan are generally around PKR 23.44 to PKR 25 per transaction. These fees are standardized by SBP, but some banks may charge slightly more depending on their internal policies. This applies to all inter-bank cash withdrawals, so using your own bank’s network is the smarter move.
HBL and Allied Bank ATM Withdrawal Charges
HBL ATM withdrawal charges are straightforward: free on HBL ATMs and around PKR 23.44 to PKR 25 on other ATMs. For international transactions, HBL charges 3% of the amount or PKR 300, whichever is higher.
On the other hand, Allied Bank ATM card charges 2025 show that withdrawals are free on Allied’s 1,500+ ATMs. For other bank ATMs, you’ll also pay around PKR 23.44 to PKR 25, and international withdrawal fees hover around 2–3%.
Daily Withdrawal Limits Vary by Card Type
ATM withdrawal charges in Pakistan aren’t the only thing to watch. Daily withdrawal limits differ depending on your card type. For example, HBL offers a standard limit of PKR 50,000 per day. Allied Bank’s Visa Premium Debit Card allows up to PKR 500,000 per day, while their basic card is limited to PKR 50,000.
Cash Withdrawal Charges Above 50,000
A major concern for many non-filers is the 0.6% withholding tax on cash withdrawals exceeding PKR 50,000 in a single day. This rule applies regardless of which bank you use, including HBL and Allied Bank. The tax is deducted automatically and applies to both ATM and over-the-counter cash transactions.
Annual ATM Card Charges
ATM withdrawal charges include not just transaction fees but also card maintenance costs. Their annual fees range from PKR 1,700 to PKR 17,000, depending on the card variant. For Allied Bank ATM card charges 2025, basic cardholders may pay PKR 500 to PKR 1,500 annually, while premium users might be charged up to PKR 5,000 — unless they maintain a required balance for a waiver.
To avoid unnecessary ATM charges in Pakistan, always try to use your own bank’s ATM. If you often withdraw more than PKR 50,000, make sure you’re on the Active Taxpayer List to avoid the 0.6% tax. Stay updated with the latest fees from HBL, Allied Bank, and others to make smarter financial decisions.
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