BankIslami ATM Network, Fees & Card Activation
How to activate a new BankIslami debit card, and exactly what ATM transactions cost.
- 14,000+ ATMs
- Free on Own ATMs
BankIslami ATM cards are activated one of two ways: some arrive pre-activated and are ready to use at a branch or ATM once the PIN is set; others need a short activation step through internet banking, the mobile app, or a call to the helpline.
ATM Transaction Charges (Jul–Dec 2026)
| Transaction | Charge |
|---|---|
| Cash withdrawal, BankIslami ATM | Free |
| Cash withdrawal, 1Link ATM | Rs. 35 |
| Cash withdrawal, international ATM | 4.50% of amount |
| Receipt printing | Rs. 6 |
| Balance inquiry, BankIslami ATM | Free |
| Balance inquiry, 1Link ATM | Rs. 6 |
| Balance inquiry, international ATM | Rs. 350 |
| IBFT via ATM | Free up to Rs. 25,000/month, then 0.1% or Rs. 200 (whichever is lower) |
From BankIslami's official Schedule of Bank Charges, 1st July to 31st December 2026.
Typical Activation Steps
New debit cards are normally collected in person at the issuing branch, where staff activate the card and set the PIN on the spot. Cards sent by courier are activated by inserting them into any BankIslami ATM and setting a PIN, or through the mobile or internet banking app. If a card still doesn't work, call the helpline at 021-111 475 264 — repeated PIN attempts at the ATM itself can trigger a temporary block.
IVR Self-Service (24/7)
Beyond card activation, BankIslami's Interactive Voice Response (IVR) system on 021-111-ISLAMI (475264) handles several card and account tasks without needing to speak to an agent, available around the clock including holidays.
- ATM card activation
- ATM card block (lost or stolen card)
- ATM PIN change
- Balance inquiry
- Mini statement
- Digital services block (mobile app / internet banking)
Frequently Asked Questions
How many ATMs does BankIslami have?
BankIslami debit cards are accepted at over 14,000 ATMs nationwide in Pakistan, plus millions of ATMs and merchant locations globally through card network partnerships.
Does BankIslami charge for ATM withdrawals?
Withdrawals at BankIslami's own ATMs are free. Withdrawals at other banks' ATMs via 1Link cost Rs. 35 per transaction, and international ATM withdrawals cost 4.50% of the transaction amount.
How do I activate a Bank Islami ATM card?
Cards collected in person at a branch are usually activated on the spot with a staff-assisted PIN set. Cards sent by courier are activated by inserting them into any BankIslami ATM and setting a PIN, or through the mobile or internet banking app.
What if my BankIslami ATM card stops working?
Call the helpline at 021-111 475 264 — repeated incorrect PIN attempts at the ATM itself can trigger a temporary block on the card.
How do I block a lost or stolen BankIslami ATM card?
Call 021-111-ISLAMI (475264) and use the IVR's ATM card block option, available 24/7, to immediately block the card and prevent unauthorized transactions.
Good For
- Activating a new BankIslami debit card correctly
- Knowing exactly what an ATM withdrawal will cost before you travel
- Comparing BankIslami's ATM fees against other banks
- Diagnosing why a card suddenly stopped working
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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, SECP.