Roshan Digital Account
Explore ProductsReconnect. Reinvest. Reimagine Pakistan from anywhere in the world.
The AL Habib Roshan Digital Account is designed exclusively for Non-Resident Pakistanis (NRPs) and Pakistan Origin Card holders, offering a seamless way to manage finances, invest, and support loved ones back home without setting foot in Pakistan.
Whether you re sending remittances, paying utility bills, investing in real estate, or participating in Naya Pakistan Certificates, this fully digital account brings the power of banking in Pakistan to your fingertips safely, conveniently, and securely.
With AL Habib Roshan Digital Account, you re not just banking from abroad you re building Pakistans tomorrow while securing yours.
Roshan Apni Car
Drive your dream in Pakistan.
Roshan Apni Car is designed to help overseas Pakistanis bring ease and comfort to their loved ones back home. With a simple and streamlined process, you can finance a vehicle for your family in Pakistan, no matter where in the world you are.
Enjoy fast approvals, flexible payment plans, and preferential rates, all backed by the trust and reliability of Bank AL Habib. It s a thoughtful way to stay connected and support your family with the gift of mobility and convenience.
Learn More
Roshan Apna Ghar
Invest in a home that brings you back.
Roshan Apna Ghar empowers Non-Resident Pakistanis to invest in property across Pakistan whether it s for their family, retirement plans, or building long-term value. It s more than just owning a home; it s about strengthening your bond with your roots.
With the choice of conventional or Islamic financing, you can buy, build, or renovate with ease and flexibility. Turn your overseas earnings into a lasting asset back home, and create a future filled with comfort, pride, and purpose.
Learn MoreEnjoy the Exclusive Benefits
Open your account entirely online from anywhere in the world
Available in Pak Rupees and major foreign currencies
Invest in Pakistan: real estate, stocks, mutual funds, and Naya Pakistan Certificates
Bill payments, fund transfers, and account management made easy
No physical branch visits or paperwork required
Backed by the State Bank of Pakistan and fully regulated
Choose from conventional or Islamic banking options
Choose the account that fits your lifestyle, business needs or financial goals with features designed to give you more control and convenience.
Steps to Open AL Habib Roshan Digital Account
- Provide Basic Information.
- Enter the OTP received on your email address & provide the account opening information.
- Choose the type of Digital Account: a Foreign Currency Account or a Pak Rupee Account.
- Upload required documents mentioned in 'required documents' and a Live Photo.
- Receive confirmation on provided email with a reference number.
- The account opening confirmation will be intimated within 2 working days through email.
Before Getting Started
- Filling of account opening form will approximately take 10-15 minutes.
- After gathering the Required Documents you will need to scan and upload them.
- We advise you to read the FAQs to get familiar with the product.
- You will also need access to a webcam so that your live photo can be captured.
- All fields are mandatory.
- You will have to acknowledge declaration to proceed to next steps.
Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache/cookies to ensure the application runs smoothly.
AL Habib Roshan Digital Account Tutorials
Singly Account Tutorial
English Tutorial
Urdu Tutorial
Saraiki Tutorial
Punjabi Tutorial
Pashto Tutorial
Sindhi Tutorial
Joint Account Tutorial
English Tutorial
Urdu Tutorial
Saraiki Tutorial
Punjabi Tutorial
Pashto Tutorial
Sindhi Tutorial
An individual account for Non-Resident Pakistanis with the convenience of account opening digitally from across the globe.
Non-Resident Pakistanis (NRPs), Foreign Nationals having a Pakistan Origin Card (POC), Resident Pakistanis having assets abroad and officials of Federal or Provincial governments posted abroad. An individual shall be a non-resident individual for a tax year* if the individual is outside of Pakistan for a period of, or periods amounting in aggregate to, 183 days or more in the tax year (July to June); is outside of Pakistan for a period of, or periods amounting in aggregate to, 120 or more in the tax year and, in the four years preceding the tax year, has been outside of Pakistan for a period of, or periods amounting in aggregate to, 365 days or more *In the light of Income Tax Ordinance, 2001 Any person not satisfying these criteria will be considered as a resident individual
Non-Resident Pakistanis will visit Bank AL Habib’s official website (www.bankalhabib.com) and click on the Roshan Digital Account web page; Fill the online account opening form, upload scanned documents, give consent on Terms and Conditions and Undertaking. Upon successful completion, you will receive an email and the Bank’s representative will contact you for more details. Resident Pakistanis having declared assets abroad may visit their nearest Bank AL Habib branch to open their Roshan Digital account.
Individual current and savings accounts are offered in single and joint category. Non-Resident Pakistanis may open an account jointly with other residents/non-residents. A Pakistani resident having assets declared with FBR, will be allowed to open the account jointly with a Pakistani resident only. However, these accounts will be treated as non-resident accounts.
The account is available in Pak rupee and FCY (USD, GBP, EUR)
Yes, the account is also being offered in Islamic Banking variant.
- Investments in Naya Pakistan Certificates
- Registered Debt securities of Government of Pakistan (T-bills, PIBs, Sukuk and any other registered debt securities of the government including CDNS securities).
- Shares quoted on the stock exchange(s) in Pakistan.
- Residential and commercial real estate.
- Term /remunerative deposit products of BAHL
On PKR accounts, a cheque book and an internationally accepted Visa Debit card will be offered. The Card will be delivered to your registered mailing address. On FCY accounts, only a cheque book will be offered. The Debit Card and Cheque Book will be delivered in 15 days on an average. However, the delivery time will vary depending on the customer’s destination.
As per SBP regulations and Bank’s policy if all documentations are complete and account opening requirements are fulfilled, the account will take two working days to open.
An account opening confirmation will be sent to the customer's registered email address.
Yes, funds in the account are repatriable. Please download the funds repatriation form. Fill in the details, and send your signed funds repatriation request to RDA@bankalhabib.com. Funds transfer charges will be applicable as per prevailing Schedule of Bank Charges.
- Bank AL Habib does not charge AL Habib Roshan Digital Account (RDA) customers for incoming remittances. However, correspondent bank charges may apply.
- Bank AL Habib has made special arrangements with the following banks for reduced per transaction charges on inward remittance
- For Resident Pakistani AL Habib Roshan Digital Account holders, the account is to be fed by remittances received from abroad through banking channels that should not exceed from the amount declared in Wealth statement of prevailing tax year filed with Federal Board of Revenue (FBR). The account from which the remittances are received must be the same account declared by the account holder in his/her latest tax returns submitted to the FBR. Remittances from other accounts which are not mentioned in tax returns will not be allowed.
The accounts can be fed with remittances received from abroad through banking channels. For your ease & convenience the remittances can be sent through Bank AL Habib Correspondence Banks or Home Remittance Channels.
| Bank | Swift Code / BIC | Charges (USD) | Routing Details |
|---|---|---|---|
| JPMorgan | BAHLPKKARDA | 7 | Mention “ROSHAN DIGITAL” in field 70 or field 72 of the Swift MT-103 message. |
| SCB | BAHLPKKA | 5 | No additional details required. |
| Citibank | BAHLPKKA | 5 |
Deposits No need to file tax returns on profit from RDA deposits Profit earned on RDA deposits is tax exempt. No withholding tax will be deducted against profit on RDA deposits No need to obtain an exemption certificate from the Federal Bureau of Revenue (FBR) Transactions No withholding tax on cash withdrawals or account-to-account transfer by NRPs
Yes, customer can opt for more than one account at a time.
- Customer CNIC / SNIC / NICOP / POC
- Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country)
- Specimen Signature (scanned on a white page)
- Proof of NRP status (e.g copy of POC, visa entry / exit stamp etc.)
- Proof of profession and Source of Income / Funds (For example: For salaried indiviusals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.)
- Live Photograph
The following scanned documents are required to open an AL habib Roshan Digital Account:
Customer may contact the Bank on its 24/7 Call Center number at (+92 21) 111-014-014 or email Roshan Digital Unit at RDA@bankalhabib.com
Account services including funds transfer, bill payments for their families, e-commerce and other payments in Pakistan
- Remittances received from abroad through banking channels.
- Transfer of funds from account holders’ own Foreign Currency Value Account (FCVA) and other NRP Rupee Value Account (NRVA) within BAHL
- Dis-investment proceeds from the permissible investments made from the account.
- Reversal of any incorrect/wrong debit in the account.
- Remittances and payments outside Pakistan.
- Investments in Govt securities, Mutual Funds, Naya Pakistan Certificate, Pakistan Stock Exchange and Real Estate
- All inland Within Pakistan payments and funds transfer within Pakistan only(Only through PKR A/c)
- Debits in lieu of applicable government taxes / duties etc, bank charges and reversal of any incorrect / wrong credit entry
Credits:
Debits:
- Yes, this facility is available on PKR accounts through Netbanking and Mobile banking.
- Foreign Currency fund transfer from your RDA FCY to your RDA PKR Account.
- You may also pay your utility bills from across the globe with your AL Habib Roshan Digital Account.
No. Funds can only be remitted from outside Pakistan or funds can be transferred between two NRP accounts owned by the same person
- Latest salary certificate/salary slip/payment slip/account statement (Anyone)
- Employer/ Job Certificate, Or Employment Contract, Or Employer Letter (Anyone)
- Or Iqama/ Work Permit showing Profession/ Employment Details
- Any other Document evidencing the Profession
- Or Document having relevant income source e.g. Bank Statement
- Document having relevant income source e.g. Tax return, receipt of payment against work or Bank Statement (In case Tax Return is not applicable / provided)
- Proof of business (Business/ Proprietor Letter Head; or any other Proof of Self Employment (e.g. Lawyer/ Doctor/ Consultant/ Freelancers/ Grocery Store/ Medical Store/ Labor Work etc.) )
- Business Registration / License No
- Beneficial Owner of fund details
- Any other Proof of Source of Income/Funds (e.g. Inheritance etc.)
- Any proof of student (Student ID Card / Registration Card / etc. from educational institute)
- Particulars of Income/ Funds Providers (e.g. Family Members/ Guardian/ Stipends/ Social Benefits etc.)
- Copy of ID document of Fund Provider / Beneficial Owner
- Retirement Certificate or any other proof of retirement
- Evidence of Terminal Benefits / Pension Book etc
- Tax Return or Bank Statement (In case Tax Return is not applicable / provided)
- Self-declaration from Customer regarding her being Housewife
- Beneficial Owner's Source of Funds e.g. Tax Return/Business/Employment Details / Proof of income
- Copy of ID document of Fund Provider / Beneficial Owner (If available)
- Email: GEM-support@bankalhabib.com , RDA@bankalhabib.com
- Call Center # (+92 21) 111-014-014 - Press 7 for GEM
- Direct Lines: 0092-2132465828, 0092-2132465831
For investments in stock market through AL Habib Gateway to Equity Markets, you may contact the following for any assistance
No, in terms of Section 3(1)(a)(b) of the Zakat and Ushr Ordinance, 1980, read with Rule 24-A of the Zakat Collection & Refund Rules, 1981, compulsory deduction of Zakat is not applicable on RDA (both FCVA and NRVA).
- Copy of passport
- Copy of Identity Document
- Bank`s statement
- Hospital death certificate
- Death Certificate duly issued by the competent authority of Government
- Police Report (in case of accidental death)
- Post mortem/ Autopsy Report (If performed)
- Complete Medical Record, Reports, Treatment Record pertaining to disability
Following are the documentary requirement:
| S.No. | Description of Injuries Percentage | Percentage |
|---|---|---|
| 1 | Loss of both hands or amputation at higher site | 100% |
| 2 | Loss of hand and a foot | 100% |
| 3 | Double amputation through the leg or thigh amputation through leg or thigh amputation through leg or thigh on one side and loss of other foot. | 100% |
| 4 | Loss of sight to such an extent as to render the claimant unable to perform any work for which eyesight is essential. | 100% |
| 5 | Very severe facial disfigurement | 100% |
| 6 | Absolute deafness | 100% |
Savings Accounts
Your savings deserve to grow. Get attractive interest rates and watch your money work for you.
- Safe and Secure Savings
- Monthly Profit Payout
- No Hidden Fee
- Debit Card Facility
Savings Accounts
Your savings deserve to grow. Get attractive interest rates and watch your money work for you.
- Safe and Secure Savings
- Monthly Profit Payout
- No Hidden Fee
- Debit Card Facility
Term Deposits
Earn guaranteed returns with fixed term deposits that suit your financial goals.
- Registered Trust
- Hassle free account opening
- Flexible terms 3 months up to 5 years
Term Deposits
Earn guaranteed returns with fixed term deposits that suit your financial goals.
- Registered Trust
- Hassle free account opening
- Flexible terms 3 months up to 5 years