Open a Roshan Digital Account (for overseas Pakistanis)
روشن ڈیجیٹل اکاؤنٹ کھولیں (بیرون ملک پاکستانیوں کے لیے)
The Roshan Digital Account is a State Bank of Pakistan initiative with commercial banks that lets Non-Resident Pakistanis open a bank account in Pakistan entirely online, without visiting a branch. You can hold foreign-currency and/or rupee accounts, make payments in Pakistan and invest (e.g. Naya Pakistan Certificates, stocks, fixed deposits), and the funds are fully repatriable.
روشن ڈیجیٹل اکاؤنٹ اسٹیٹ بینک آف پاکستان کا کمرشل بینکوں کے ساتھ ایک منصوبہ ہے جس کے ذریعے بیرون ملک مقیم پاکستانی کسی برانچ گئے بغیر مکمل آن لائن پاکستان میں بینک اکاؤنٹ کھول سکتے ہیں۔ آپ غیر ملکی کرنسی اور/یا روپے کا اکاؤنٹ رکھ سکتے ہیں، پاکستان میں ادائیگیاں کر سکتے ہیں اور سرمایہ کاری (مثلاً نیا پاکستان سرٹیفکیٹس، اسٹاک مارکیٹ، فکسڈ ڈپازٹ) کر سکتے ہیں، اور رقم مکمل طور پر بیرون ملک واپس بھیجی جا سکتی ہے۔
- Offices
- 6 listed
Who can apply
- Non-Resident Pakistanis (NRPs)
Documents you need
Steps
- 1Choose a participating bank from the list on the SBP website or the banks' Roshan Digital Account pages.اسٹیٹ بینک کی ویب سائٹ یا بینکوں کے روشن ڈیجیٹل اکاؤنٹ صفحات پر دی گئی فہرست میں سے کوئی شریک بینک منتخب کریں۔
- 2Apply on that bank's website or app for a Roshan Digital Account; choose a foreign-currency account, a rupee account, or both.اس بینک کی ویب سائٹ یا ایپ پر روشن ڈیجیٹل اکاؤنٹ کے لیے درخواست دیں؛ غیر ملکی کرنسی اکاؤنٹ، روپے کا اکاؤنٹ یا دونوں منتخب کریں۔
- 3Fill in the basic information and upload the documents the bank asks for.بنیادی معلومات درج کریں اور بینک کی مانگی گئی دستاویزات اپ لوڈ کریں۔
- 4The bank completes customer due diligence (banks have been asked to do this within 48 hours) and opens your account.بینک کسٹمر کی جانچ پڑتال مکمل کر کے آپ کا اکاؤنٹ کھولتا ہے (بینکوں کو یہ کام 48 گھنٹوں میں کرنے کی ہدایت ہے)۔
- 5Fund the account and use it for transfers, bill payments for your family, e-commerce and investments; you also get debit and virtual debit cards.اکاؤنٹ میں رقم جمع کروائیں اور اسے ترسیلات، اہل خانہ کے بلوں کی ادائیگی، ای کامرس اور سرمایہ کاری کے لیے استعمال کریں؛ آپ کو ڈیبٹ اور ورچوئل ڈیبٹ کارڈ بھی ملتے ہیں۔
Good to know
- • No branch visit is needed: the account is opened and operated through an entirely digital, online process.
- • Funds in the Roshan Digital Account are fully repatriable: they can be remitted back from Pakistan without any regulatory approval.
- • Foreign-currency and rupee accounts are interoperable, with real-time online conversion between them.
- • The account allows investment in Naya Pakistan Certificates (in US dollars and rupees, conventional and Shariah-compliant), bank fixed deposits and Pakistan's stock market, and real-estate transactions in Pakistan.
- • This card is based on MOFA pages describing the initiative; sbp.org.pk (which has the full FAQs, document list and current bank list) blocked automated access, so check the SBP and bank websites for current requirements.
Where to go
- e-Khidmat Markaz, Lahore - ASTP (Arfa Software Technology Park)
ARFA Tower, Ferozepur Road, Nishter Town, Lahore
Morning: Monday to Saturday 09:00 am to 05:00 pm. Evening: Monday to Saturday 06:00 pm to 12:00 am (Lahore - ASTP and Lahore - Town Hall only). Closed 12:30 pm to 02:30 pm on Friday for Jummah. NADRA counters: Monday to Saturday 09:00 am to 04:00 pm, lunch/prayer break 01:00 pm to 02:00 pm.
- Ministry of Foreign Affairs, Consular Services Hall
Consular Services Hall, Constitution Avenue, G-5, Islamabad.
Monday to Friday – 8:30 am to 4:30 pm; Saturday and Sunday closed
- Foreign Affairs Liaison Office (Camp Office), Karachi
Main Shahrah-e-faisal, Adjacent To Ftc Building, Karachi
Monday to Friday – 8:30 am to 4:30 pm; Saturday and Sunday closed
- Foreign Affairs Liaison Office (Camp Office), Lahore
43-N,Gulberg-III, Lahore
Monday to Friday – 8:30 am to 4:30 pm; Saturday and Sunday closed
- Foreign Affairs Liaison Office (Camp Office), Peshawar
House No. 18-c/2, Gul Mohar Lane, University Town Peshawar
Monday to Friday – 8:30 am to 4:30 pm; Saturday and Sunday closed
- Foreign Affairs Liaison Office (Camp Office), Quetta
Room 28, 2nd Floor, Block 07, Civil Secretariat Baluchistan, Quetta
Monday to Friday – 8:30 am to 4:30 pm; Saturday and Sunday closed
Questions people ask
›Do I need to visit a bank branch in Pakistan?
No. The Roshan Digital Account is opened remotely through an entirely digital and online process.
›How long does account opening take?
Banks have been asked to complete all necessary customer due diligence within 48 hours.
›Can I send the money back abroad?
Yes. Funds are fully repatriable and can be remitted back from Pakistan without any regulatory approval.
Contact
- Email: RDASupport@sbp.org.pk
- Website: www.sbp.org.pk