Using another bank’s ATM became more expensive for customers covered by the announced change: the National Bank of Pakistan (NBP) said the cash-withdrawal fee rose from Rs 23.44 to Rs 35 per transaction from August 1, 2025. That is an increase of Rs 11.56, or about 49.3%—roughly 50%. NBP and Bank of Punjab (BOP) schedules reviewed for 2026 still list Rs 35 for relevant withdrawals, but the charge is not confirmed as identical for every bank, account or card.
What the 50% increase applies to
An interbank ATM withdrawal means taking cash from an ATM operated by a bank other than the one where you hold your account. It is also called an off-network withdrawal. The reported fee is for a cash withdrawal, not every ATM transaction, and it should not be confused with charges for using an international card, which may have different pricing.
In a July 2025 notice, NBP said customers using another bank’s ATM would pay Rs 35 instead of Rs 23.44 per cash withdrawal, effective August 1, 2025. NBP attributed the change to 1-LINK directives. The increase is Rs 11.56; calculated against the earlier Rs 23.44 fee, that is approximately 49.3%.
What bank schedules show for 2026
Published schedules provide examples of the charge for particular banks and periods. They do not establish a single tariff for every Pakistani bank or customer.
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| Bank and customer scenario | Published charge | Period and qualification |
|---|---|---|
| NBP customer using another bank’s 1-LINK ATM | Rs 35 per withdrawal | NBP schedule for January–June 2026. The same schedule lists withdrawals at NBP ATMs as free. |
| BOP customer using another bank’s ATM | PKR 35 per transaction, inclusive of FED/provincial sales tax | BOP schedule for July–December 2026. |
These entries show that Rs 35 remained in the cited schedules for those customer scenarios in 2026. They are not a comprehensive survey, and fees, tax treatment, account benefits or waivers may vary. Check the latest schedule and account or card terms issued by your own bank before relying on a particular amount.
Who ordered the change?
NBP’s notice says the fee change was made in compliance with 1-LINK directives. That is NBP’s stated explanation. The available material does not establish that the State Bank of Pakistan (SBP) ordered the increase: an SBP circular index entry alone does not identify the contents of the underlying notification.
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How to avoid an unnecessary off-network fee
- Check your bank’s current schedule of charges for cash withdrawals at another bank’s ATM, including whether taxes are included.
- Look for account- or card-specific waivers or exemptions in your terms; do not assume a general schedule amount applies to every customer.
- When convenient, use an ATM operated by your own bank if its terms are cheaper. NBP’s January–June 2026 schedule, for example, lists its own-ATM withdrawals as free.
Sources
- National Bank of Pakistan, July 2025 notice.
- National Bank of Pakistan, Schedule of Charges, January–June 2026.
- Bank of Punjab, Schedule of Charges, July–December 2026.
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