EasyPaisa ATM Withdrawal Charges 2026: Rs 35, or Free at Branch ATMs
EasyPaisa charges a flat Rs 35 on any ATM withdrawal, and free at easypaisa Bank Ltd branch ATMs, a line most people never see. Above Rs 1,000 the ATM always beats an agent; at Rs 50,000 it saves Rs 655.
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If you hold an EasyPaisa debit card, the answer is one number and one exception.
The short answer
Rs 35 per ATM withdrawal, whatever the amount. EasyPaisa's own Schedule of Bank Charges states it plainly: "Service fee on any ATM withdrawal amount will be Rs. 35 (Incl. Tax & 1-link Charges)".
Free at easypaisa Bank Ltd branch ATMs. The same schedule adds: "ATM cash withdrawal is free from easypaisa Bank Ltd. branch ATMs." Most people paying Rs 35 do not know this line exists.
Because the fee is flat, the amount you withdraw does not change it. Rs 2,000 and Rs 45,000 both cost Rs 35.
Why JazzCash charges exactly the same Rs 35
This is not a coincidence and it is worth understanding, because it tells you which fees are negotiable and which are not.
The Rs 35 is described in EasyPaisa's own schedule as inclusive of 1-Link charges. 1-Link is the interbank switch every Pakistani ATM transaction runs through, and its pricing is set at network level, not by the wallet. So a wallet cannot undercut another wallet on an off-network ATM withdrawal, and switching from EasyPaisa to JazzCash to save on ATM fees will not work.
What a wallet CAN control is its own ATMs, which is exactly where EasyPaisa's free-at-branch-ATM exception comes from.
ATM or agent: the crossover is Rs 1,000
This is the part worth memorising. Agent cash withdrawal is priced on a slab, so it gets more expensive as the amount rises, while the ATM stays flat at Rs 35. There is therefore a crossover point, and above it the agent is never the right choice.
| Amount withdrawn | Agent cash withdrawal | ATM | Cheaper option |
|---|---|---|---|
| Rs 1 to 200 | Rs 7 | Rs 35 | Agent saves Rs 28 |
| Rs 201 to 500 | Rs 12 | Rs 35 | Agent saves Rs 23 |
| Rs 501 to 1,000 | Rs 20 | Rs 35 | Agent saves Rs 15 |
| Rs 1,001 to 2,500 | Rs 40 | Rs 35 | ATM saves Rs 5 |
| Rs 2,501 to 4,000 | Rs 70 | Rs 35 | ATM saves Rs 35 |
| Rs 4,001 to 6,000 | Rs 100 | Rs 35 | ATM saves Rs 65 |
| Rs 6,001 to 8,000 | Rs 130 | Rs 35 | ATM saves Rs 95 |
| Rs 8,001 to 10,000 | Rs 180 | Rs 35 | ATM saves Rs 145 |
| Rs 10,001 to 13,000 | Rs 230 | Rs 35 | ATM saves Rs 195 |
| Rs 13,001 to 16,000 | Rs 280 | Rs 35 | ATM saves Rs 245 |
| Rs 16,001 to 20,000 | Rs 330 | Rs 35 | ATM saves Rs 295 |
| Rs 20,001 to 25,000 | Rs 380 | Rs 35 | ATM saves Rs 345 |
| Rs 25,001 to 30,000 | Rs 470 | Rs 35 | ATM saves Rs 435 |
| Rs 30,001 to 40,000 | Rs 560 | Rs 35 | ATM saves Rs 525 |
| Rs 40,001 to 50,000 | Rs 690 | Rs 35 | ATM saves Rs 655 |
The rule: above Rs 1,000, use the ATM. Below Rs 1,000, use an agent.
The size of the gap at the top end is what people miss. Pulling Rs 50,000 through an agent costs Rs 690 against Rs 35 at an ATM, a difference of Rs 655 on a single withdrawal. Someone taking out Rs 40,000 a month at an agent instead of an ATM is paying about Rs 6,300 a year for the convenience.
The two small charges nobody counts
Both appear in the schedule and both are per-use:
| Service | Charge |
|---|---|
| Balance inquiry (1-Link and ATM) | Rs 4.67 incl. tax per inquiry |
| Receipt printing (1-Link and ATM) | Rs 4.67 incl. tax |
Checking your balance twice and printing a receipt turns a Rs 35 withdrawal into about Rs 49. Check the balance in the app instead, where it is free, and skip the printed receipt.
What the debit card itself costs
Issuance is a one-off and it varies a lot by card type, so pick deliberately rather than accepting whatever the branch offers:
| Card | Issuance |
|---|---|
| easypaisa VISA Debit card | Rs 1,000 incl. tax |
| easypaisa PayPak Debit card | Rs 1,000 incl. tax |
| easypaisa Union Pay Debit card | Rs 999 incl. tax |
| easypaisa Visa Online Debit card | Rs 500 incl. tax |
| Replacement, any card | Rs 500 per card |
If you only need the card for online payments rather than physical ATM use, the Visa Online card at Rs 500 is half the price of the others.
Two exceptions worth checking against your own account
easypaisa Bank Ltd loan customers get the first 10 ATM transactions free each month, then Rs 35 per additional transaction. If you hold a loan with easypaisa Bank Ltd, you should not be paying ATM fees at all on normal usage.
Digital Account holders get cash deposit and cash withdrawal free at all easypaisa branches, per a footnote in the schedule. That is branch counter service rather than ATM, but for larger amounts it beats both the ATM and the agent.
What about JazzCash ATM charges
JazzCash is reported to charge the same Rs 35 per 1-Link ATM withdrawal and the same Rs 4.67 balance inquiry, which is consistent with both being 1-Link pass-through charges rather than wallet pricing.
We are flagging one thing honestly rather than presenting it as freshly confirmed: JazzCash's public schedule-of-charges page does not currently expose a downloadable schedule document, so we could not re-verify those JazzCash figures at source on the date below the way we did EasyPaisa's. Treat them as previously read rather than confirmed today, and check with JazzCash before relying on them. Our JazzCash charges guide has the fuller picture, and EasyPaisa vs JazzCash fees compares the two wallets across every transaction type.
Which schedule these numbers come from, and when they expire
Every EasyPaisa figure above is from EasyPaisa's own Schedule of Bank Charges, Branchless Banking, valid July 2026 to September 2026, cross-checked against its Retail Banking schedule which carries the same Rs 35 ATM line and runs to December 2026.
The Branchless schedule expires on 30 September 2026. Re-check both documents in early October rather than assuming these carry over.
For the full fee picture including send money, IBFT and bill payments, see the complete EasyPaisa charges guide.
Frequently Asked Questions
Sources & references
- EasyPaisa Schedule of Bank Charges, Branchless Banking, valid July 2026 to September 2026. Carries the Rs 35 ATM service fee line, the free-at-branch-ATM exception, the 15-tier agent cash withdrawal slab, Rs 4.67 balance inquiry and receipt printing, and the debit card issuance and replacement fees
- EasyPaisa Schedule of Bank Charges, Retail Banking, valid July 2026 to December 2026. Carries the same Rs 35 ATM line, the first-10-free ATM benefit for easypaisa Bank Ltd loan customers, and the free branch cash deposit and withdrawal footnote for Digital Accounts
- JazzCash schedule of charges page. Checked on 21 August 2026 and it did not expose a downloadable schedule document, which is why the JazzCash figures on this page are labelled previously read rather than confirmed at source today
- EasyPaisa vs JazzCash Fee Calculator PakistanCompare EasyPaisa and JazzCash fees side by side for cash withdrawal, send money to CNIC, bank transfer (IBFT), bill payment, ATM and more. 2026 official rates.
- Percentage Calculator Pakistan (Lakh + Crore Mode)Percentage of a number with Pakistani Lakh + Crore input mode: 2 percent of 20 lakh, 5 percent of 1 crore, plus marks and profit margin.