ATM Network

Bank of Punjab ATM — Network, Charges & Card Help

How big BOP's ATM network is, using your card at other banks' ATMs, and fixing a card that stopped working.

953 ATMs Nationwide
1LINK Member Bank
Verified Sep 1, 2026

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Bank of Punjab ATM searches usually mean one of two things: finding the nearest machine, or fixing a card that just stopped working. Both are covered below, drawing on BOP's own network descriptions and card-management guidance.

BOP operates 953 ATMs as at March 31, 2026, spanning both onsite ATMs located at BOP branches and offsite standalone ATMs in other locations such as shopping centres and commercial areas, with coverage concentrated in Lahore and other major Punjab cities while extending nationwide to Karachi, Islamabad, Peshawar, and Quetta.

BOP ATM Network

Total ATMs: 953
ATM Types: Onsite & Offsite
Network Link: 1LINK Member Bank
Daily Transfer Limit: Rs 500,000 via 1LINK

ATM count (953) confirmed as at March 31, 2026 from BOP's Quarterly Report for the period ended March 31, 2026. 1LINK member-bank details from BOP's Debit Card Features & Benefits page.

Using Your BOP Debit Card at Other Banks' ATMs

As a 1LINK member bank, your BOP debit card works at other banks' ATMs across Pakistan's 1LINK network, in addition to BOP's own ATMs. You can also transfer funds up to Rs 500,000 per day within BOP or to any other 1LINK member bank account, directly from a BOP ATM or the digiBOP app. Inter-bank ATM withdrawal charges follow BOP's standard schedule of charges — confirm the current fee at your branch or in the digiBOP app before a large withdrawal at a non-BOP ATM.

If Your ATM Card Stops Working

Check Card Status

Call 111-267-200, BOP's 24-hour phone banking line, to check whether your card has been blocked or expired.

Manage via digiBOP

Activate, lock, or unlock your debit card instantly through the digiBOP app's card management section.

Visit a Branch

For a physically damaged or expired card, visit any BOP branch to request a replacement.

ATM Withdrawal Charges

Using your BOP debit card at BOP's own ATMs typically carries no additional charge beyond your account's standard terms, while withdrawing cash from another bank's ATM through the 1LINK network usually attracts a small inter-bank charge, deducted automatically from your account. The exact fee is set out in BOP's official Schedule of Charges and can change periodically, so confirm the current figure in the digiBOP app or at your branch before relying on an outdated number quoted elsewhere online.

ATM Charges (SOBC, Effective 01 Jul – 31 Dec 2026)

Transaction	Charge
Cash withdrawal — BOP account holder at a BOP ATM	Free
Cash withdrawal — BOP account holder at another bank's ATM (1LINK)	Rs 35 per transaction (incl. tax)
Balance enquiry — BOP account holder at a BOP ATM	Free
Balance enquiry — BOP account holder at another bank's ATM	Rs 4.67 per enquiry (incl. tax)
IBFT via ATM/RAAST — up to Rs 25,000 combined per month	Free
IBFT via ATM/RAAST — amount exceeding Rs 25,000 in a month	0.1% of transaction, or Rs 200, whichever is lower

Figures sourced from BOP's official Schedule of Bank Charges (SOBC), effective 01 July 2026 to 31 December 2026, published on bop.com.pk. Confirm the exact current fee at your branch or in digiBOP before a large withdrawal, since SOBC figures are revised on a half-yearly cycle.

Government Withholding Tax on Cash Withdrawals

Separately from BOP's own ATM fees, the Federal Board of Revenue (FBR) applies a withholding tax on large daily cash withdrawals under Section 231AB of the Income Tax Ordinance — this is a government tax deducted by the bank, not a BOP charge, but it directly affects how much cash you actually receive at the ATM or counter. As of the Finance Act 2025, the rate is 0.8% on cash withdrawals once your total withdrawals for the day exceed Rs 50,000 — filers (those on FBR's Active Taxpayer List) are fully exempt; non-filers pay the tax on the full withdrawn amount once the daily total crosses that threshold, not just on the portion above it.

This applies per person per day across all your accounts and withdrawal methods combined — so three separate Rs 20,000 withdrawals in one day count the same as one Rs 60,000 withdrawal for this threshold. It's adjustable, meaning a non-filer can claim it back as a credit against their final tax liability when filing an income tax return, but the deduction still happens at the point of withdrawal. If you withdraw large amounts regularly and aren't already a filer, checking your Active Taxpayer List status on FBR's portal is worth it purely to stop this deduction going forward.

Withholding tax rate and threshold confirmed against FBR's Section 231AB provisions as amended by the Finance Act 2025 (rate raised from 0.6% to 0.8%, effective July 1, 2025). This is a federal tax rule applying to all Pakistani banks, not specific to BOP — confirm current status via FBR's Active Taxpayer List portal (fbr.gov.pk) since finance-bill changes can revise this rate annually.

Frequently Asked Questions

How many BOP ATMs are there?

Bank of Punjab operates 953 ATMs as at March 31, 2026, including both onsite (at-branch) and offsite standalone ATM locations.

What do I do if my BOP ATM card stops working?

If your BOP ATM card stops working, call BOP's 24-hour phone banking line at 111-267-200 to check the card status, or lock/manage it directly through the digiBOP mobile app before visiting a branch for a replacement.

Can I use a BOP card at another bank's ATM?

Yes. As a 1LINK member bank, your BOP debit card works at other banks' ATMs nationwide, typically for a small inter-bank fee (Rs 35 per withdrawal, per BOP's current SOBC).

Does BOP have ATMs in Karachi and Islamabad?

Yes. BOP's 953-ATM network extends beyond its Punjab base to Karachi, Islamabad, Peshawar, Quetta, and other cities, though branch and ATM density is highest across Punjab.

Is there a daily ATM withdrawal limit on BOP cards?

Per-transaction and daily withdrawal limits are set per card tier and account type; the 1LINK interbank transfer limit via ATM is Rs 500,000 per day. Confirm your specific card's cash withdrawal limit in the digiBOP app.

Are BOP ATM balance enquiries free?

Yes, at BOP's own ATMs. Balance enquiries at another bank's ATM via 1LINK carry a small fee (Rs 4.67 incl. tax, per BOP's current SOBC).

Is there tax on large ATM cash withdrawals in Pakistan?

Yes. Under Section 231AB of the Income Tax Ordinance, non-filers pay 0.8% withholding tax once their total daily cash withdrawals exceed Rs 50,000, per the Finance Act 2025. Filers on FBR's Active Taxpayer List are fully exempt — this is a federal tax rule, not a BOP-specific charge.

Good For

Finding the nearest BOP ATM through official channels
Understanding BOP's daily ATM transfer limits via 1LINK
Troubleshooting a BOP ATM card that stopped working
Working out which BOP ATM fee applies to your transaction

Need the nearest ATM right now?

Use BOP's official locator for real-time, address-level ATM results.

Find a BOP ATM Manage Your Card in digiBOP