How to Use Roshan Digital Account for Overseas Pakistanis: A Complete Guide

What Is a Roshan Digital Account (RDA)?

The Roshan Digital Account is a specialized online bank account designed for Non-Resident Pakistanis (NRPs) and Pakistan Origin Card (POC) holders. It allows overseas Pakistanis to:

• Open a fully functional bank account remotely.

• Send remittances quickly and securely.

• Invest in Naya Pakistan Certificates, the Pakistan Stock Exchange (PSX), and real estate projects.

• Pay utility bills and make charitable donations directly from abroad.

The account can be opened in both Pakistani Rupees (PKR) and foreign currencies like USD, GBP, and EUR.

Step-by-Step Guide: How to Open a Roshan Digital Account

Here’s how overseas Pakistanis can open their Roshan Digital Account from anywhere in the world:

1. Choose a Participating Bank

Several Pakistani banks are authorized by the State Bank of Pakistan to offer RDA services. Some of the top options include:

• Habib Bank Limited (HBL)

• Meezan Bank

• Bank Alfalah

• United Bank Limited (UBL)

• Standard Chartered Bank

• Faysal Bank

• MCB Bank

You can visit the official website of any of these banks to start your application online.

2. Fill Out the Online Form

The process is entirely digital. You’ll be asked to provide:

• CNIC/NICOP or Pakistan Origin Card (POC)

• Valid passport

• Proof of overseas residence (utility bill or visa)

• Recent photograph

3. Submit and Wait for Verification

After you upload your documents, the bank will verify your identity. Verification typically takes 24 to 48 hours. Once approved, you’ll receive an email confirmation with your account details.

4. Start Transacting

Once the account is active, you can transfer funds, invest, and even link your RDA to other financial services offered by Pakistani banks.

What You Can Do with a Roshan Digital Account

Your Roshan Digital Account isn’t just for transferring money — it’s a complete financial solution for overseas Pakistanis. Here’s what you can do with it:

1. Send Money to Pakistan Easily

You can send funds directly from your foreign bank account to your RDA in Pakistan. It’s faster and cheaper than traditional remittance services, and the amount is fully repatriable.

2. Invest in Naya Pakistan Certificates (NPCs)

The RDA allows you to invest in Naya Pakistan Certificates, which offer attractive returns on both PKR and foreign currency investments. These are backed by the Government of Pakistan and are considered low-risk.

3. Trade in Pakistan Stock Exchange (PSX)

You can invest directly in the Pakistan Stock Exchange by linking your RDA to a Central Depository Company (CDC) account. This gives you access to Pakistan’s leading companies and investment opportunities.

4. Buy Property in Pakistan

Overseas Pakistanis can use their Roshan Digital Account to buy plots, houses, or apartments in Pakistan.
You can pay property developers directly, transfer payments to real estate agencies, and even invest in verified projects listed under Roshan Apna Ghar, a dedicated initiative for real estate investments.

5. Pay Utility Bills and Fees

The RDA also enables you to pay bills, school fees, and charitable donations directly from your account—making it convenient to manage your obligations in Pakistan.

Roshan Apna Ghar – Invest in Pakistan’s Real Estate

For overseas Pakistanis interested in property investment, Roshan Apna Ghar is one of the most exciting features of the RDA.

It allows NRPs to:

• Buy a home in Pakistan through direct remittances.

• Get home financing (Islamic or conventional) from partner banks.

• Invest in verified housing projects with full legal protection.

Whether you’re planning to buy property for your family or invest in Pakistan’s booming real estate sector, Roshan Apna Ghar makes the process transparent and secure.

Key Benefits of Roshan Digital Account

Here’s why millions of overseas Pakistanis have already opened RDAs:

• 100% digital and paperless process.
• Available in both PKR and foreign currencies.
• Full repatriation of funds.
• Seamless investment and real estate transactions.
• Secure and monitored by the State Bank of Pakistan.
• Attractive returns on Naya Pakistan Certificates.

Tax and Repatriation Benefits

• No tax on foreign currency account balances or remittances.

• Simplified tax filing for investments made through RDA.

• Funds can be repatriated anytime, making it easy for overseas Pakistanis to withdraw money back to their foreign bank accounts.

Who Can Open a Roshan Digital Account?

You can apply for RDA if you are:

• A Non-Resident Pakistani (NRP).

• A holder of a valid NICOP or POC.

• A resident Pakistani with declared foreign income/assets.

How to Access Your RDA

After activation, you can log into your bank’s mobile app or online portal to view transactions, invest, and make payments all from your phone or laptop.

Final Thoughts

The Roshan Digital Account is a revolutionary step by the State Bank of Pakistan that bridges the gap between overseas Pakistanis and their homeland. It simplifies how NRPs manage finances, invest in local markets, and buy property securely especially through platforms like Roshan Apna Ghar.

For overseas Pakistanis looking to buy a home or invest in property, ilaan.com makes the process even smoother. Browse verified listings, get market insights, and connect with trusted real estate experts to make your investment count.