This complete guide explains its benefits, eligibility, required documents, and step-by-step process for overseas Pakistanis.
Looking to open a Roshan Digital Account (RDA)? Open your account today and invest in Naya Pakistan Certificates, real estate, and the stock market—100% online!”
🔹 What is Roshan Digital Account?
The Roshan Digital Account (RDA) is a secure, hassle-free banking solution designed for Non-Resident Pakistanis (NRPs). It allows expats to open and operate a Pakistani bank account online from anywhere in the world.
With RDA, you can:
✅ Send & receive money in PKR or foreign currency
✅ Invest in Naya Pakistan Certificates (NPCs) for high returns
✅ Buy property in Pakistan through Roshan Apna Ghar
✅ Trade in the stock market via PSX
✅ Pay bills, school fees, and transfer funds easily
✅ Repatriate funds freely without restrictions
✅ Best part? No need to visit a bank—apply online in just 48 hours!
🔹 Who Can Open a Roshan Digital Account?
To open an RDA, you must be:
✔ A Non-Resident Pakistani (NRP)
✔ A Pakistani with declared assets abroad
✔ A Foreign National of Pakistani Origin (NICOP/POC holder)
🔹 Resident Pakistanis can open an RDA only in foreign currency.
🔹 Documents Required to Open an RDA
📌 Valid Passport (Pakistani or foreign)
📌 CNIC/NICOP/POC (for Pakistani-origin foreigners)
📌 Proof of NRP Status (Visa, Work Permit, etc.)
📌 Proof of Income/Employment (Job letter, salary slip, or business docs)
📌 Recent Photograph & Signature Specimen
✅ No paperwork, no bank visits – everything is done online!
🔹 How to Open a Roshan Digital Account? (Step-by-Step Process)
Opening an RDA is simple and takes just 48 hours:
1️⃣ Choose a Bank
Top Pakistani banks offering RDA:
UBL Roshan Digital Account (Recommended)
HBL, Meezan, MCB, Standard Chartered, and others
2️⃣ Fill Out the Online Form
Enter personal details
Upload required documents
Choose account type (PKR, USD, GBP, etc.)
3️⃣ Verification & Approval
Bank verifies documents & identity
Account is activated within 24-48 hours
4️⃣ Fund Your Account & Start Using It
Transfer money from your foreign bank
Invest, pay bills, and manage funds online
✅ It’s that simple!
🔹 Why Choose a Roshan Digital Account?
🔹 100% Online & Hassle-Free – Open & operate from anywhere
🔹 Earn Up to 7% in USD via Naya Pakistan Certificates
🔹 Invest in Stocks, Real Estate & Government Bonds
🔹 Instant Fund Transfers & No Minimum Balance
🔹 Withdraw & Repatriate Money Anytime
✅ Did you know? The Naya Pakistan Certificate offers higher returns than bank deposits in many countries!
🔹 UBL Roshan Digital Account – The Best Choice for Expats
Looking for the best bank for your RDA?
✅ UBL Roshan Digital Account offers:
✔ Quickest processing times
✔ High investment returns
✔ Seamless online banking
Roshan Digital Account vs. Regular Bank Account – Key Differences
| Feature | Roshan Digital Account (RDA) | Regular Bank Account |
|---|---|---|
| Who Can Open? | Non-Resident Pakistanis (NRPs), Foreign Nationals of Pakistani Origin | Only Resident Pakistanis |
| Opening Process | 100% Online (No branch visit required) | Requires physical visit to a bank branch |
| Currencies Available | PKR, USD, GBP, EUR, & other major currencies | Mostly PKR (foreign currency accounts are limited) |
| Processing Time | 24-48 Hours | Several days to weeks |
| Fund Repatriation | Allowed without restrictions | Limited or requires approvals |
| Investment Options | Naya Pakistan Certificates, Stock Market, Real Estate, Fixed Deposits | Limited investment options |
| Account Management | Fully online through internet banking & mobile apps | Requires branch visits for many services |
| Minimum Balance Requirement | No minimum balance required in most banks | Varies by bank and account type |
| Utility & Bill Payments | Yes – Can pay bills, school fees, & donations | Yes, but mainly for local users |
| Tax Benefits | No tax on profits from Naya Pakistan Certificates for NRPs | Profits & deposits subject to tax deductions |
| Loan & Financing Options | Roshan Apna Ghar (Home Loan), Roshan Apni Car (Car Loan) | Standard loans with more eligibility criteria |
| Best For | Non-Resident Pakistanis looking for easy banking, high-return investments & global transactions | Resident Pakistanis for local banking & transactions |
👉 100% online & approved within 48 hours!
Ready to apply? Let ISTIQEME help you!
Authorized GCC Partners for UBL Digital Banking Products
Apply Now | +971-527194185 or ubl.rda@istiqeme.net
http://www.istiqeme.net