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.

How to get Free Payoneer Prepaid Debit Card

Until 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 I went to a MCB ATM Machine and successfully withdrawn money without any hassle.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 prepaid debit card.  Sufficient funds must be available prior to making 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 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 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 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 withdran Rs. 4500 and amount deducted from my Payoneer account was $50.87 when inter bank dollar rate was about 99.5 rupees. So total fees/ charges was about Rs. 500.

How to get Free Payoneer Master Debit Card in Pakistan?

Payoneer is an internet based service that issues prepaid Master Debit Cards to its users. Payoneer is alternate to PayPal and Wire Transfer Services. Unlike PayPal this service is available in Pakistan too. So Pakistanis who have not regular Credit Cards and are  in search of an alternate way to send and receive money worldwide, they can get a free Payoneer Master Debit Card. 

Mastercard issues Payoneer Cards and can be used at any ATM or POS (Point of Sale). Any Payoneer Card holder can receive money and send payments to anyone around the world online. This prepaid debit card can be used for online shopping, payments to Facebook and AdWords etc. You can simply withdraw money from PayPal, Skrill and many other online financial services.

How to Get Payoneer Master Debit Card

I got my first Payoneer Card back in June 2011 and got a new card this year after expiry of previous card.

You can easily get a Payoneer Master Debit Card without any checking account in a Bank or any Bank Statement. Here is step by step procedure to apply:

1. Signup now with my referral link and we both get US$25 as bonus, once you load or receive any amount. Check it out http://share.payoneer-affiliates.com/a/clk/1g5JZ5

2. Fill out the form with your Name, Email, Date of Birth, Address, Phone Number etc.

3. Click "FINISH" button after reading terms and conditions.

4. You will get confirmation email instantly. And you will receive Debit Card in 3 to 4 weeks.

5. After getting your card, you have to activate it. Visit Payoneer.com for activation. You will be asked to fill your card's number, expiry date etc.

Once activated, you can start receiving and sending amount.

How to Load Money in Your Payoneer Card from Pakistan?

4 years ago I needed a credit card for online payment to Facebook and Google AdWords for advertisement of website, and I also want to avoid regular Credit Cards issued by local banks due to interest/ markup involved with these. I got UBL Wiz Card which is also a free prepaid debit card. It works well for payments to online local shopping and on ATMs but I faced problem for payments to some international companies. Then I came to know about Payoneer and got my card.

Now I found that loading money to Payoneer Card with UBL Wiz Card is very simple. So whenever I want money in my Payoneer Card, I load money to my Wiz Card by visiting any UBL Bank Branch and then transfer this amount to Payoneer Card from where I can use it anywhere online.

If you have any questions regarding this post, you can ask me in comments.