Your Trusted Partner for Secure and Beneficial Remittances to Pakistan
Empowering Global Pakistanis with Digital Banking Solutions
At Istiqeme, we specialize in providing overseas Pakistanis with reliable and secure consulting services for sending remittances to Pakistan through legal channels. Our goal is to ensure that your hard-earned money reaches your loved ones safely while offering you numerous financial benefits and contributing to the stability of Pakistan’s economy.
Discover the Roshan Digital Account
The Roshan Digital Account (RDA) is a game-changer for overseas Pakistanis, allowing you to:
- Presence Less Account Opening: Open a bank account without visiting any bank branch
- Send Money Securely: Transfer funds directly to your accounts in Pakistan.
- Manage Payments: Pay bills, tuition fees, and more with ease.
- Invest Wisely: Explore investment opportunities like the Naya Pakistan Certificate for higher returns.
Build Your Dream
Benefits of Using Roshan Digital Account
Convenient Transfers
Simplify the process of sending money home.
Car & Home Loans
Avail attractive financing options for purchasing property or vehicles in Pakistan.
Naya Pakistan Certificate
Invest in fixed deposits with lucrative returns.
Benefits
Why Choose Legal Channels for Remittances?
- Safety and Security: Avoid the risks associated with informal channels.
- Compliance: Stay compliant with international and Pakistani financial regulations.
- Peace of Mind: Ensure your money reaches its destination without any issues.
Contributing to Pakistan’s Economy
Your remittances and investments play a crucial role in:
- Economic Stability: Strengthening Pakistan’s financial reserves.
- Development Projects: Funding infrastructure and growth initiatives.
- Job Creation: Spurring economic activity and creating employment opportunities.
Our Services in UAE
As an authorized partner of a leading bank, Istiqeme is here to assist overseas Pakistanis in the UAE with:
Opening Roshan Digital Accounts
Simplifying the account opening process.
Financial Consulting
Personalized advice on managing your finances.
Investment Guidance
Helping you make informed investment decisions.
Open Your RDA Now
Start Your RDA Journey Today!
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Pakistan’s Digital Transactions Surge: 88% of Retail Payments Now Digital Pakistan’s financial ecosystem is experiencing a significant digital shift, with digital channels processing 88% of all retail transactions. Mobile banking apps, branchless banking (BB) wallets, and e-money wallets collectively handled 1,450 million transactions worth Rs. 24 trillion in Q2-FY25. This marks a 12% increase in volume and a 28% rise in transaction value, as per the State Bank…
Pakistan’s external account exhibited a notable improvement in the first eight months of FY25 (July-February), posting a $691 million current account surplus. This shift from a $1.73 billion deficit in FY24 is primarily driven by a 32% year-on-year increase in remittances, which reached $24 billion by January 2025. However, external pressures are mounting, as imports continue to rise, leading to monthly deficits in January ($399M) and February ($12M)…
The inflow of remittances from overseas workers into Pakistan stood at $3.1 billion in February 2025, reflecting a 3.8% rise from the $3 billion received in January 2025, according to data released by the State Bank of Pakistan (SBP) on Monday. On a year-on-year basis, remittances surged by 38.6% compared to the $2.25 billion recorded in February 2024. Cumulatively, during the first eight months of FY25 (July-February), Pakistan…
Whar Our Clients Say
Testimonials
Construction Worker
Rizwan Ali
"I was hesitant at first, but Istiqeme’s team explained everything so clearly. Opening a Roshan Digital Account was the best decision I made. Now, I can easily send money back home, and the returns on my savings are great. It’s a secure and simple way to manage my finances while living abroad."
Electrician
Kashif Ahmed
"Thanks to Istiqeme, I learned about the Apna Ghar and Apni Gari packages through Roshan Digital Account. I’m now in the process of buying a home in Pakistan and getting a car for my family. The process was smooth, and the team was always there to guide me. I never thought I could achieve this from so far away!"
Retail Worker
Shazia Khan
"Istiqeme’s online campaigns caught my attention, and I’m so glad I followed through. Opening a Roshan Digital Account has made life so much easier. I can invest in Naya Pakistan Certificates and watch my money grow without any hassle. It’s a perfect way for me to stay connected to Pakistan while I work in the UAE."
Truck Driver
Farhan Saeed
"Opening a Roshan Digital Account was a smooth process, thanks to Istiqeme's guidance. I can now pay my bills in Pakistan, send money to my family, and even invest in real estate back home—all from my phone. It feels great to have this level of control and security while living abroad."
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Frequently Asked Questions
A Roshan Digital Account (RDA) is a special bank account designed for Overseas Pakistanis to easily manage their finances in Pakistan from anywhere in the world. It offers a range of banking and investment options, including funds transfer, bill payments, and investments in Naya Pakistan Certificates, real estate, and more. Any Pakistani national living abroad, including Non-Resident Pakistanis (NRPs) and those with dual nationality, can open an RDA.
The Apna Ghar and Apni Gari packages are exclusive financing options available through the Roshan Digital Account. The Apna Ghar package allows Overseas Pakistanis to invest in real estate in Pakistan, while the Apni Gari package offers financing to purchase a car in Pakistan. These packages make it easier for RDAs holders to invest in property or buy a vehicle for their family back home, all managed conveniently through their RDA.
Opening a Roshan Digital Account is a simple and quick process that can be done entirely online. You will need to provide basic personal information, proof of your Pakistani nationality (such as your CNIC/NICOP or passport), proof of your non-resident status (like a visa or residence permit), and a recent photograph. Once your application is submitted, your RDA can be opened within 48 hours.