being a senoir banker i am suggesting you , my dear brother dont worry abt the transcation which u have done from atm , i must tell u dear are there serval atm debit cards ,which have limited debite limits just as visa debit card it has 25thousnad debit limit and credit up to 50 and silver has just 10 thousnd and 20 cr and visa glos it has 50 debit and 150thousnds credit limit, if you have transacted from atm if u have taken out it will be revrsal transaction. which will be credit into ur account after 72hiurs means three days
so my dear u think and see what type of debit cards u have.

Regards
Shafqat Ali Samo
Chief Operation Officer
MCB BANK LTD

I filled up a form at HBL and got my problem resolved. The time took more than three days sir, may be in your banks it takes three days, as far as I do remember, I think it took two and half weeks because in different dates, I lost my more than three transactions. Hence, I got my amount back but in intervals. As per MCB manager, they had problem in their ATM. Personally, I have very bad expereince with MCB and I really don't like the surveses they provide. I hope you don't mind but it is reality.

I also use Payoneer card and use MCB Atm, they deduct more than 300 rupees in every transaction and it depends upon how much I have withdrawn but they even charge me if the transaction is failed due to bad networking of their banking system,rest, US banks also deducts more than $20 and the bank fee. I withdrew my amount to HBL, I think they don't charge a a lot. Can you please help me out in this regard that which is the best way to get my amount in rupees with low taxes and foreign exchange. I work in dollars and get my amount in rupees... I am posting some of the withdrawn' details that I did. I hope you being a senior banker will understand that either I should use HBL or Payoneer Master card-don't know which is the best.


In my opinion, master card eats my amount up a lot. But I am not sure as compare to other local banks of Pakistan. Please take a look at the following details, hopefully you will be able to help me out..

Payoneer International Master Card


Dear xxxxx,
Your withdrawal request has been processed on Oct 20, 2014. Your reference ID for this transaction is xxxxx.

Here are the details:

Amount Withdrawn: $27.37 USD in it I got less than 2.5k
We have sent the funds to:
Payoneer Account ID: #xxxx
Please allow 1-2 business days for the delivery of your funds. If you have any questions regarding this transaction, please contact us at..


.....................................

Your withdrawal request has been processed on Oct 10, 2014. Your reference ID for this transaction is xxxxxx.

Here are the details:

Amount Withdrawn: $600.81 USD.....In it I got 54699 pk rupees to my Bank after I transfered my amount Now look at this, I lost my amount a lot.
We have sent the funds to:
Payoneer Account ID: #xxxxx


here you can take an idea about foreign exchange. Please let me know how much they charge me while I transfer my amount from my company to my local Bank HBL...

Your withdrawal request has been processed on Sep 25, 2014. Your reference ID for this transaction is xxxxx.

Here are the details:

Amount Withdrawn: $29.31 USD
Exchange rate on Sep 25, 2014: 0.0102 USD/PKR
Amount Withdrawn Locally: 2876.35 PKR
We have sent the funds to:
Bank Name: Habib Bank Limited Pakistan
Bank Account: XXXXXXXXXXXXXXXXXXXX9906


Now, please let me know which is the best way to get my amount, my amount crosses many stepts, first from my company to payoneer/loccal banks, then to local ATMs and they charge a lot. Foreign exchange separately and tax is separately.


I burn my mid night oils in working on projects and look at this proceedings I lost my amount a lot in such steps. I am worried about it. Because I get more less than 15 percent amount.

Please suggest me which is the best way to get my project amounts safe and in low taxes?

Thanks in anticipation