The Benazir Income Support Programme (BISP) has launched a wallet account pilot project to make payment distribution easier, faster, and more secure. This new initiative has been introduced in three districts of Pakistan: Sukkur, Hyderabad, and Rahim Yar Khan.
Under this system, BISP beneficiaries will receive their quarterly payments directly in digital wallet accounts linked with their CNIC (Computerized National Identity Card) and mobile SIM. This marks a historic step toward digital financial inclusion for millions of poor women across Pakistan.
Key Highlights of the Pilot Project
- Pilot Districts Selected: Sukkur, Hyderabad, Rahim Yar Khan
- Account Linking: Wallet accounts connected with CNIC and SIM card
- Free SIMs: 1.3 million JazzCash SIMs distributed to beneficiaries
- Account Opening: BISP ensures wallet creation on each SIM
- Goal: Transparent, fast, and safe payment delivery
Why BISP Introduced Wallet Accounts
Before this project, BISP payments were distributed through camps or agents. This old system often caused:
- Long queues and high travel expenses
- Complaints of agent deductions from installments
- Delays in disbursement
- Risks of fraud or mismanagement
With the launch of wallet accounts, beneficiaries will now enjoy:
- Direct transfer of payments into their own account
- Full payment guaranteed with no deductions
- 24/7 access to funds via JazzCash agents and ATMs
- Secure transactions through CNIC and biometric verification
How the Wallet Account Pilot Project Works
The project follows a step-by-step structured system:
Free SIM Distribution
JazzCash will distribute 1.3 million free SIMs to BISP beneficiaries.
Account Linking with CNIC
Each SIM will be linked to the beneficiary’s CNIC number.
Wallet Account Creation
A digital wallet account will automatically open once the SIM is activated.
Direct Payment Transfers
Quarterly BISP installments (currently Rs. 13,500) will be deposited directly into wallet accounts.
Cash Withdrawal Options
Beneficiaries can withdraw their payments easily from:
- JazzCash agents
- ATMs
- Partner banks (including HBL Konnect if integrated later)
Benefits of Wallet Accounts for BISP Beneficiaries
- Transparency: All payments are digitally recorded, eliminating fraud.
- Convenience: No long queues, instant access to funds.
- Financial Inclusion: Women were introduced to Pakistan’s formal banking system.
- Security: CNIC-linked accounts prevent misuse.
- Flexibility: Withdraw money anytime, not just on fixed camp days.
Challenges in Implementation
Despite its benefits, some challenges remain:
- Digital literacy gaps – many women need training on mobile wallets
- Weak network coverage in remote rural areas
- Fraud awareness – beneficiaries must avoid sharing PINs or OTPs
- Distribution of 1.3 million SIMs smoothly across districts
Step-by-Step Guide for Beneficiaries
- Receive a free JazzCash SIM under the BISP pilot project.
- Activate the SIM using your CNIC details.
- Wallet account automatically opens on activation.
- Get an SMS notification once your payment is credited.
- Withdraw cash from JazzCash agents, ATMs, or partner banks.
FAQs About the BISP Wallet Account Pilot Project
What is the BISP wallet account pilot project?
It is a new payment system where BISP installments are sent directly into digital wallet accounts instead of camps.
Which districts are included in phase one?
The pilot has started in Sukkur, Hyderabad, and Rahim Yar Khan.
How many SIMs will be distributed?
A total of 1.3 million free JazzCash SIMs are being provided.
Who will provide the SIMs?
JazzCash is responsible for SIM distribution, while BISP ensures account creation.
Do beneficiaries need to open accounts themselves?
No. Accounts open automatically once SIMs are activated.
Can cash be withdrawn anytime?
Yes. Beneficiaries can withdraw from JazzCash agents, ATMs, or bank partners.
Will this expand nationwide?
Yes. If successful, the project will be scaled across all districts.
Why This Project Matters
The wallet account system is a revolution in financial aid distribution. It:
- Ends reliance on outdated camp-based payments
- Empowers women by giving them direct control over money
- Reduces corruption by eliminating middlemen
- Strengthens transparency and trust in BISP
- Introduces poor households to digital finance and savings options
Conclusion
The BISP 8171 Wallet Account Pilot Project in Sukkur, Hyderabad, and Rahim Yar Khan is a game-changer for digital financial inclusion in Pakistan. With 1.3 million free JazzCash SIMs and CNIC-linked wallets, women will receive payments directly, safely, and without deductions.
If the pilot succeeds, the system will expand nationwide—transforming BISP into a modern digital welfare program that empowers millions of Pakistani families with transparency, dignity, and independence.