Roshan Digital

Digital account services for overseas Pakistanis.

For Overseas Pakistanis

A New Era of Banking in Pakistan

Roshan Digital Account is a major initiative of Y.H. Securities (Private) Limited, in collaboration with commercial banks operating in Pakistan. These accounts provide innovative banking solutions for millions of Non Resident Pakistanis (NRPs), including Non-Resident Pakistan Origin Card (POC) holders, seeking to undertake banking, payment and investment activities in Pakistan.

Fully Digital Account Opening and Operation

For the first time in Pakistan's history, individuals are being provided an opportunity to open an account remotely through an entirely digital and online process — without any need to visit a bank branch. Opening the account requires only a basic set of information and documents, and banks have been asked to complete all necessary customer due diligence within 48 hours.

Account Available in Both Foreign Currency and Pakistani Rupees

The customer can choose either a foreign currency or rupee-denominated account, or both. For NRPs, these accounts are interoperable and enable real-time online conversion from foreign currency to Pakistani Rupees and vice versa.

Explore Your Options

An Account Built Around You

Choice of Account

Single, joint, current and savings accounts are available.

Islamic Option

Both conventional and Shariah-compliant accounts can be opened.

Fully Repatriable

Funds in the account can be remitted back from Pakistan without approval from the bank or Y.H. Securities.

New Tax Regime for NRPs

New Simplified, Convenient and Hassle-free Tax Regime

The Federal Government has introduced a new simple, convenient and hassle-free tax regime for Non Resident Pakistanis (NRPs) having Roshan Digital Account (RDA). This includes all investments made by NRPs in Government debt securities, both conventional and Shariah compliant, stock market, mutual funds and real estate through RDAs. The features of this new tax regime for NRPs having RDAs are as follows:

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 Board of Revenue (FBR)
No need to file tax returns on profit from RDA deposits

Banking Transactions

No withholding tax on cash withdrawals or account-to-account transfer by NRPs

Eligibility

Non-resident Pakistanis with Pakistani passport, NICOP, POC or NIC
Individuals who are employed, self-employed, unemployed, housewives/homemakers, students, children, and pensioners
Companies or entities cannot open Roshan Digital Account.

Get Started in Minutes

Open an Account

Select a Bank

Select any of the participating banks for opening an account.

Fill Account Opening Form

Go to the selected bank's website for filling account opening form digitally.

Choose Digital Account Type

Choose the type of Digital Account - a Foreign Currency Account or a Pak Rupee Account.

Upload Documents

You will need to upload scanned copies of at least the following documents to open an account:

CNIC/NICOP/POC
Passport (Pakistani and/or foreign country)
Proof of non-resident status
Proof of profession and source of income/funds.
For example, one of the following documents:
- For salaried individuals: employment letter, salary slip or bank account statement.
- For business persons: business registration document, business letter head or bank account statement.

Add Picture

You will be asked for a digital photo that would be taken at the time of filling the form and uploaded live.

Receive Confirmation

You will get confirmation of account opening within 48 hours.

Transfer Funds

After account opening, you can transfer funds in the account through banking channels from the country of your residence.

Click an icon below to open an account

HBL

HabibMetro

MCB Bank

Samba Bank

Standard Chartered

UBL

Banks' Schedule of Charges

Banks' Schedule of Charges for RDA

Roshan Digital Account holders may incur charges on the various products and services offered by banks like: funds remittance, cards, cheque book, etc. These charges vary from bank to bank. For customers' convenience, the links of banks leading to their schedule of charges* are placed below: