AFAIK, the amount of income keeps accumulating in an account and the account holder can withdraw amount from ATM card and he can withdraw that from anywhere in Pakistan. If your maid has an active account she can go to any ATM and withdraw the money. BISP accounts are maintained in National Bank and their connectivity is bit poor compared to other online transaction providers. So please ask her to ONLY visit national bank ATM and not any other bank. P.S. this was back in 2017, I am not sure if current government has changed the procedure.