How to use Payoneer Debit Card at ATM Machines in Pakistan?

You can easily withdraw cash from your Payoneer Debit card at any ATM machine. This card works just like any other ATM or Debit Card. I am using Payoneer Card from last 04 years for online shopping and payments. I got this card through Infolinks. You can also get your own Free Payoneer Prepaid Debit Card with 25$ bonus at the time of first money load.

Until a few days ago, I was using this card for online shopping only and never withdraw money at ATM Machine. Last week I decided to get cash from my Payoneer account by using ATM Machine to experience process, currency conversion rate and fees applied by either Payoneer or Master Card or local bank. I went to an MCB ATM Machine and successfully withdrawn money without any hassle.

How to Withdraw Money from Payoneer Card at ATM Machine?

The Payoneer card can be used at ATMs where MasterCard®/Visa is accepted. Your Payoneer card is a prepaid debit card.  Sufficient funds must be available prior to making a cash withdrawal. Never try to withdraw money more than available funds; otherwise, your ATM card may be kept/ seized by ATM. 

Here is a simple step by step procedure to use your Payoneer Card to withdraw cash from ATM Machine in Pakistan.
  1. Visit any nearby ATM Machine.
  2. Insert your card in ATM card slot, your name will be shown on screen.
  3. Enter your 04 digit code using ATM keypad, this code was created at the time of card activation.
  4. Enter the amount in Pak Rupees in multiples of Rs.500 e.g. 500, 1000, 2000, 2500, 4500, 5000, 6500 etc. and press "Accept" button.
  5. In the next step, you will be asked for "Account Type", enter Current, Checking, Default or Debit Card whichever is available.
  6. Take your card, money and receipt. 

Fees and Charges for ATM Cash Withdrawal

  • Never check your balance unnecessarily at ATMs because each time you check balance, 0.90$ will be deducted.
  • $0.90 will also be applied as an ATM decline fee if your Payoneer account has less money than you are trying to withdraw. 
  • $2.15 per transaction, plus 3% above all fees assessed by MasterCard, will be charged.
  • MCB Bank also charges Rs. 100 as Bank Fee in addition to all other fees.
I withdrew Rs. 4500 and amount deducted from my Payoneer account was $50.87 when interbank dollar rate was about 99.5 rupees. So total fees/ charges was about Rs. 500.

66 Comments

  1. Replies
    1. All Banks Where Visa/ Mastercard Logo Displayed especially SCB, HABIB, MCB, Meezan UBL JS, Soneri etc

      Delete
    2. bhai card kese milta hai post office se bhai ye batado

      Delete
    3. ye banwana phrta he me bnwa k de skta hn

      Delete
    4. koi nahi banwana parhta bhai agr ap ko chahiy to muje contact karo 03002994621

      Delete
    5. ye banwana nahi parhta bhai ye online magwana parhta hai jis ko mangwana ho bata do main mangwa dun ga 03002994621 whatsapp

      Delete
    6. iss website per jao payoneer.com or sign up kar ke requested information enter karo 25 days mein card aap ke address per mill jay ga.

      Delete
    7. Asslam o Alikum
      Bhi payoneer account verify ksy karty hain

      Delete
  2. But I have heard that MCB, SCB, Faisal Bank etc. working smoothly with Payoneer Card.

    ReplyDelete
  3. Payoneer work in City bank/Standard charderd/Fasial bank/MCB. But always insert amount in 1000-2000-3000 form if you put in 1500-2500-3500 it decline and waste money every time

    ReplyDelete
    Replies
    1. I have 5$ in my card
      I just want to experience how it work
      Should I want to withdraw ???
      Plz tell me

      Delete
  4. @Afzal You can use it for shopping.

    ReplyDelete
  5. maximum kitna withdraw kr skta hai payoneer master card se ATM machine main se???????
    please answer me mohsinrajwali14@gmail.com

    ReplyDelete
  6. How can i change pin code? I forgot it. Kindly tell me

    ReplyDelete
  7. can i witdraw from atm mcb bank through payoneer master card i'm not client of mcb menas not bank acount in mcb

    ReplyDelete
    Replies
    1. Yes you can withdraw money from MCB, even you have not account in this bank.

      Delete
  8. han na yr kr saktay ho 100 rs per transaction pe mcb se

    ReplyDelete
  9. islamabad main MCB ki kis branch py ch rha hy payoneer card?

    ReplyDelete
  10. Konsa bank sy hum payoneer ma funds add kar sakta hai

    ReplyDelete
    Replies
    1. You need a Credit Card to add funds. UBL WIZ Debt Card also work well, I have personally added funds via UBL WIZ Card.

      Delete
  11. Can i use payoneer card on internet for online shopping

    ReplyDelete
  12. Can i use this card for online shopping

    ReplyDelete
  13. asalamualikum bros Who can Help me to make a payoneer card for me because of iam in afghanistan payoneer dose not support afghanistan the card to be shipped in afghanistan please help me bro if anyone make it for me and send it to afghanistan via postal code i will pay them please help anyone

    ReplyDelete
  14. Toady i have recieved my payoneer mastercard.
    I activated ny card.

    ReplyDelete
  15. Hi there, I can't withdraw money through any supported bank. the machine didn't recognize me, it's my first time. I have money in my PAYONEER account and loaded the card with funds. But it didn't deducted the card or activation fee. What should I do to withdraw the money

    ReplyDelete
    Replies
    1. You may contact with Payoneer Customer Support.

      Delete
    2. Asmar contact me to get you funds withdraw with better rates the atm

      Delete
  16. Salam please guide me # 923360109680 100 euros pey kitna changes hain and agar kisi country set paisy mangwany ho to WO whahan sey kiasy bhejy ga kya tarika kar hoga please contact me.

    ReplyDelete
    Replies
    1. To receive money from anyone, anywhere in the world; Login to your Payoneer account, Click on Receive button and then Request a Payment. A form will open where you will be asked to enter detail of the sender. Once you submit the form, the sender will receive a link in the email. Then he can send you money by using any credit card.
      Please refer to the Fee section for Charges related queries.

      Delete
  17. very nice post of payoneer account that is being verified in Pakistan very easily

    ReplyDelete
  18. AnonymousJune 02, 2016

    Salam GuyzZz... payoneer Rwp Main mai Ne boht si branches main Alfalah, Habib bank, aksari, or boht se banks main chalaya, But not working... At Least In Rwp... :-) Mall Road par jo Bank ALFALH hai kaha habib bank askari bank....
    Bank road k back par MALL BR (BANK road) waha card work karta... :-) Just payoneer.. :-* ;-)

    ReplyDelete
    Replies
    1. It only works in standard chartered or MCB.

      Delete
    2. ye ap ko kisi b bank main nahi mily ga pakistan main ap ko online register ho ky mangwana hota hai ap k ghr par ata hai ye agr chahiy ho to contact karo 03002994621 whatsapp

      Delete
  19. AnonymousJune 02, 2016

    And GuyzZz... Mujhe pata krna.. k yr MCB bank Bhi hai 6th road Rwp pr waha... :-* :p to us main work kare gaa... Payoneer card.. ?? &
    Sab se less withdraw charges payoneer k kis bank main hain... :-(
    Bank Alfalah, MCB Bank, SCB Bank,
    Mai ne aaj tak or aaj bhi just Bank ALFALAH he use keya :-( 4$ withdraw fee cut ho jati.. :-\ :p SoOo plz sab suggestions dayn Apna :-* :-) Thanks

    ReplyDelete
  20. AnonymousJune 02, 2016

    And GuyzZz... Mujhe pata krna.. k yr MCB bank Bhi hai 6th road Rwp pr waha... :-* :p to us main work kare gaa... Payoneer card.. ?? &
    Sab se less withdraw charges payoneer k kis bank main hain... :-(
    Bank Alfalah, MCB Bank, SCB Bank,
    Mai ne aaj tak or aaj bhi just Bank ALFALAH he use keya :-( 4$ withdraw fee cut ho jati.. :-\ :p SoOo plz sab suggestions dayn Apna :-* :-) Thanks

    ReplyDelete
  21. bank alflah works better with payoneer card. you can withdraw 1500 2500 and 3500 , who says its not withdraw in 500 ,go and check alflah bank ,fees just 2.85$ eny trx . bye

    ReplyDelete
    Replies
    1. Hi Waheed. i hear bank alflah dont have atm withdrawal fee. Is it true? because i use STC and they deduct 300 for each transaction. Can you please let me know when you withdrawal your last payment and which bank?

      Delete
  22. I had got a PayPal through my Payoneer card years ago. And withdraw money through ATM machines. Is it cost effective to now transfer from payoneer card to your local bank account or no?

    ReplyDelete
  23. AnonymousJuly 04, 2016

    please tell me when i activita my card pin code ooption me kia jo 16 digits card ka hain us men s 4 digits choose kar kay pin code banna hay ya woh char digits alag sayhon ga

    ReplyDelete
  24. AnonymousJuly 04, 2016

    when me jab payoneer master card add karna chahun freelancer.com account s aur freelancer.com mujh sa card no mangainga to mne uhian payoneer card ka last 4 digits dun ya payoneer master k pin code ka 4 digits dun?

    ReplyDelete
    Replies
    1. pin code mat dena bhai wahn

      Delete
    2. Sir payoner mastercard main minimum amount Kitni load krwa saktay hain?

      Delete
  25. Guys i have payoneer but they didnt ask me for pin code. Meny abhi tak koi transaction nhi ki. Ye pin code kab enter krna hota h and kb rkhty hen? Can any one suggest?

    ReplyDelete
  26. Payonner card main minimum Kitna load krwa saktay hain?

    ReplyDelete
  27. Mere pas payoneer k 2 card hn but mujy ye nai pata ky us me paise kamate kese hn. Plz ap log online jo job karte ho batao. Koi online job batao payoneer me paise kamane ki. Mujy kisi job ka nai pata.

    ReplyDelete
  28. Cheema bhai go to upwork.com and make your account there and start applying for jobs.

    ReplyDelete
  29. Dear Brother,

    i have 137$ in my payoneer account, when i went to MCB ATM, it said there is 0.00 balance. and my payoneer account still having 137$, can you guys plz guide me how i can get my payment?

    Thank you.

    ReplyDelete
    Replies
    1. You should contact with Payoneer Support.

      Delete
    2. I guess ATM balance inquiry is not accessible for Payoneer.

      Delete
  30. I have 175$ in my Payoneer account . how much i can withdraw and which bank is best for transaction . Thanks

    ReplyDelete
  31. HI,

    For withdraw , which Bank atm charge the least tax ?

    I heard that Alflah Bank atm doesnt charge, is that true?

    Thanks..

    ReplyDelete
  32. bhai jan mere account me $20 h kia me isko nikalwa sakta
    just for experience
    kia payoneer allow krta h itne dollar ka withdraw

    ReplyDelete
  33. Hello,
    Agar muje khud payoneer me paise dalne ho to us sorat me muje kia karna hoga

    ReplyDelete
    Replies
    1. Use a any other credit card either of yourself or any of your relative or friend.

      Delete
  34. Payoneer card ma deposit kesa ho ga

    ReplyDelete
  35. Payoneer card kitny din bad mil jata hai plzzz tell me

    ReplyDelete
  36. I added a card and turned off the double conversion here https://myaccount.payoneer.com/MainPage/Widget.aspx?w=BankManagement&r=withdrawal#/bankmanagement for withdraw cash from ATM without the need for the exchange rate

    ReplyDelete
  37. Withdraw py tex kitna ha payonner card ka

    ReplyDelete
    Replies
    1. There are no govt. taxes but there are fee by Payoneer and Bank charges for using ATM.

      Delete
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