Understanding cash withdrawal charges in Pakistan is essential for avoiding unexpected fees and staying compliant with tax rules. This 2025 guide covers ATM fees, daily withdrawal limits, annual bank charges, and applicable taxes.
ATM Withdrawal Charges in Pakistan
| Withdrawal Type | Fee per Transaction |
|---|---|
| Same Bank ATM | Free |
| Other Bank ATM (1-Link) | PKR 23.44 – 25 |
| International ATM Usage | 2% – 8% or PKR 300 – 1,000 |
- Using your own bank’s ATM is free of cost.
- Withdrawals from other banks’ ATMs incur charges between PKR 23.44 to PKR 25.
- International ATM withdrawals are charged either as a percentage of the amount or a fixed fee, depending on your bank.
Withholding Tax on Cash Withdrawals in 2025
| Filer Status | Daily Withdrawal Threshold | Tax Rate |
|---|---|---|
| Filer | Above PKR 50,000 | 0.3% |
| Non-Filer | Above PKR 50,000 | 0.6% |
- Tax is deducted automatically if your total cash withdrawal in one day exceeds PKR 50,000.
- This applies across all bank accounts held under the same name.
ATM Withdrawal Limits by Card Type
| Card Type | Daily Withdrawal Limit |
|---|---|
| Standard Debit Card | PKR 25,000 – 50,000 |
| Premium Card | Up to PKR 500,000 |
| Foreign Debit Card | Equivalent to USD 200–500 |
Daily withdrawal limits can be customized by request at most banks. Premium cards offer higher limits.
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Annual Fees for Debit Cards and SMS Alerts
| Bank | Debit Card Annual Fee | SMS Alert Fee |
|---|---|---|
| Meezan Bank | PKR 500 – 4,500+ | ~PKR 1,800 annually |
| HBL | PKR 1,000 – 5,000+ | ~PKR 2,000 annually |
| Allied Bank | PKR 1,000 – 7,000+ | ~PKR 2,000 annually |
Charges vary by card tier (Classic, Gold, Platinum, Titanium, etc.). Some banks waive these fees for specific accounts.
How to Minimize Withdrawal Costs
- Use your own bank’s ATM to avoid charges.
- Maintain Active Taxpayer (filer) status to reduce tax on large withdrawals.
- Choose premium debit cards if you frequently withdraw large amounts.
- Opt for online transfers or mobile banking to avoid ATM fees altogether.
Conclusion
In 2025, cash withdrawal charges in Pakistan have slightly increased due to adjustments in interbank and tax regulations. Domestic ATM withdrawals from the same bank remain free, but interbank and international ATM usage carries fees. Large daily withdrawals are subject to a 0.3% or 0.6% withholding tax depending on filer status. Staying informed helps you reduce unnecessary banking costs. Stay tuned with Bloom Pakistan
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