I haven't withdraw yet but I know the procedure. First of all, simply open an SCB account (any account type), apply for VISA debit card & activate online banking. After this is done, put ur VISA card details in AP (add credit card) and wait for 1 week, u'll get a verification code (Insha'Allah!!) & then u can put this code in ur AP to verify ur card. After ur card is verified then u can withdraw & spend (not deposit) ur AP money to ur SCB account!