Roshan Digital Account – Benefits & Process for Overseas Pakistanis

 – Banking & Finance


💡 Introduction

The Roshan Digital Account (RDA) is a special banking initiative launched by the State Bank of Pakistan (SBP) for Overseas Pakistanis. It allows Pakistanis living abroad to open and operate bank accounts in Pakistan online — without visiting any branch.

This account makes it easy to invest, send money, and manage finances from anywhere in the world. Let’s explore the benefits and process of opening a Roshan Digital Account in 2025.

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🏦 What is Roshan Digital Account (RDA)?

Roshan Digital Account is an online bank account that enables overseas Pakistanis to manage their finances, pay bills, and invest in Pakistan’s economy from abroad.

It was launched by State Bank of Pakistan in collaboration with major Pakistani banks.

You can open this account in PKR (Pakistani Rupee) or foreign currency (USD, GBP, EUR).

🌍 Eligible Countries & Applicants

You can apply if you are:
✅ A Non-Resident Pakistani (NRP) with valid CNIC/NICOP.
✅ A foreign national of Pakistani origin.
✅ A resident Pakistani with declared foreign income (for foreign currency account).

🏦 Banks Offering Roshan Digital Account

You can open an RDA from any of the following banks:

  • HBL (Habib Bank Limited)

  • Meezan Bank

  • Bank Alfalah

  • UBL (United Bank Limited)

  • Allied Bank

  • Standard Chartered

  • Faysal Bank

  • Samba Bank

  • MCB

  • JS Bank

Each bank has its own online portal for RDA applications.

🧾 Documents Required

To open an RDA, you need:

  • Scanned NICOP or valid CNIC

  • Passport (Pakistani or foreign)

  • Proof of overseas residence (Visa/Iqama)

  • Recent photograph

  • Bank statement or utility bill (for address verification)

🪙 Currency Types

You can open two types of accounts:

  1. PKR Account – Operated in Pakistani Rupees.

  2. Foreign Currency Account – Operated in USD, GBP, or EUR.

💰 Key Benefits of Roshan Digital Account

1. Easy Account Opening

  • 100% online process — no need to visit Pakistan.

  • Account activated within 48 hours.

2. Investment Opportunities

  • Roshan Apna Ghar: Buy property in Pakistan.

  • Roshan Apni Car: Finance car purchase.

  • Naya Pakistan Certificates (NPCs): High-profit government bonds.

  • Stock Market Investment: Trade via Pakistan Stock Exchange.

3. Free Remittances

  • Send money to Pakistan instantly via your RDA.

  • No transaction fee for inward remittances.

4. Full Repatriation of Funds

  • You can send your money back abroad anytime without approval.

5. Shariah-Compliant Option

  • Islamic banks like Meezan Bank and Bank Islami offer Islamic RDA accounts.

📝 How to Open a Roshan Digital Account – Step by Step

Step 1: Visit Bank’s RDA Portal

Go to the official RDA page of your selected bank (e.g., HBL, Meezan, Alfalah).

Step 2: Fill the Online Form

Enter your personal and contact details.

Step 3: Upload Documents

Attach scanned copies of your NICOP, passport, proof of residence, and photo.

Step 4: Select Account Type

Choose between PKR or Foreign Currency account.

Step 5: Verification & Activation

Bank verifies your details and activates your account — usually within 1–2 working days.

📊 Investment Options via RDA

Investment Type Description Return / Profit Rate
Naya Pakistan Certificates Government bonds for overseas Pakistanis Up to 8–9% annually
Roshan Apna Ghar Buy house or property in Pakistan Based on property value
Roshan Apni Car Buy car with financing 0% to low markup
Stock Market Investment Invest in Pakistan Stock Exchange Variable profit
Mutual Funds Invest via approved fund managers Depends on market performance

💸 Charges & Fees

  • No account opening charges.

  • No minimum balance required.

  • Free inward remittance from abroad.

🧠 FAQs

Q1: Can I open RDA from the UK, USA, or UAE?
✅ Yes, Roshan Digital Account is available worldwide.

Q2: Can I withdraw cash in Pakistan?
✅ Yes, through ATMs or local transfers to other accounts.

Q3: Is RDA available for students abroad?
✅ Yes, if you have a NICOP and valid visa.

Q4: Are RDA earnings taxable?
✅ Profits from Naya Pakistan Certificates are exempted from tax in Pakistan.

✅ Conclusion

The Roshan Digital Account is a revolutionary step that connects overseas Pakistanis with their homeland’s financial system. It’s secure, convenient, and profitable, offering investment options like property, vehicles, and certificates with easy fund repatriation.

If you’re living abroad, opening an RDA in 2025 is one of the best ways to support your family and invest in Pakistan’s future.

👉 For updates and guides, visit Pak Guide Hub regularly.


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