How to Open a Roshan Digital Account for Overseas Pakistanis – Complete Step-by-Step Guide 2025

Introduction to the Roshan Digital Account for Overseas Pakistanis (guide)

The Roshan Digital Account for Overseas Pakistanis is a banking initiative introduced by the State Bank of Pakistan (SBP) in 2020. It allows Overseas Pakistanis to open and operate accounts in Pakistan remotely, without needing to visit a branch physically. The RDA serves as a bridge for millions of Pakistanis living abroad who want to invest, send remittances, or manage financial matters back home.

Whether you’re in the Middle East, Europe, North America, or anywhere else, you can use an RDA to access Pakistan’s banking system with just an internet connection.

Why Overseas Pakistanis Need an RDA

Overseas Pakistanis contribute significantly to the economy through remittances. Traditionally, sending money home or investing in Pakistan involved complex paperwork, high fees, and time delays. The RDA eliminates these issues by offering:

• Instant account opening from abroad
• Direct investments in Pakistan
• Tax benefits and simplified procedures
• Easy currency conversion

For professionals, entrepreneurs, and investors abroad, the RDA is a modern, secure, and cost-effective financial solution.

Benefits of Roshan Digital Account

Tax Benefits

RDA accounts come with streamlined tax processes. Certain investment options, such as Naya Pakistan Certificates, are exempt from filing tax returns if tax is deducted at source.

Investment Opportunities

Through your RDA, you can invest in:

• Government bonds
• Stock market shares
• Real estate projects in Pakistan

Convenience and Accessibility

No need to visit Pakistan. All transactions—whether deposits, withdrawals, or investments—can be done online 24/7.

Eligibility Criteria for Opening RDA from abroad

You are eligible if you are:

• A Non-Resident Pakistani holding a valid CNIC, NICOP, or Pakistan Origin Card (POC)
• A foreign national of Pakistani origin
• An employee of the Pakistani government posted abroad

Required Documents

Identity Documents

• Valid CNIC/NICOP/POC
• Valid passport

Proof of Income/Residence

• Bank statement
• Employment letter
• Utility bill (for proof of address)

Bank-Specific Requirements

Some banks may request additional forms, signature specimens, or a selfie verification.

How to Choose the Right Bank for Your RDA

Popular Banks Offering RDA Services

• Habib Bank Limited (HBL)
• United Bank Limited (UBL)
• Meezan Bank
• Bank Alfalah
• Standard Chartered Pakistan

Comparing Features and Charges

Consider:

• Currency conversion rates
• Transfer fees
• Investment options
• Customer support availability

Step-by-Step Process to Open a Roshan Digital Account

Step 1 – Visit Bank’s RDA Portal

Go to the official website of your chosen bank and locate their RDA section.

Step 2 – Fill out the Online Application for Roshan Digital Account 2025

Complete the form with personal and financial details.

Step 3 – Upload Documents

Scan and upload your identity and income documents.

Step 4 – Verification Process

The bank will verify your details, often using video calls or email confirmations.

Step 5 – Account Activation

Once approved, you’ll receive an email with your account details.

Types of Roshan Digital Accounts

Conventional RDA

Operates under standard banking rules, suitable for general use.

Islamic Roshan Digital Account

Shariah-compliant accounts for customers seeking interest-free banking. Here, also Ushr and Zakat can be paid completely in 2025. How you can calculate Ushr and Zakat online in 2025?

Investment Options Available in Roshan Digital Account

Naya Pakistan Certificates RDA

High-return government investment instruments available in PKR, USD, GBP, and EUR.

Stock Market Investments

Direct access to the Pakistan Stock Exchange (PSX) through your RDA.

Real Estate Opportunities

Invest in government-approved housing schemes remotely.

How to Transfer Funds to Your Roshan Digital Account

You can transfer funds via:

• International wire transfers
• Partner money transfer services
• Online banking from foreign accounts

Using RDA for Bill Payments and Online Transactions

Pay utility bills, education fees, and even make online purchases in Pakistan directly from your RDA.

Security Measures for Overseas Users

• Enable two-factor authentication
• Avoid using public Wi-Fi
• Regularly monitor account statements

Common Mistakes to Avoid When Opening a Roshan Digital Account for Overseas Pakistanis

• Uploading blurry or expired documents
• Providing incorrect contact details
• Not checking bank-specific charges before applying

FAQs

Conclusion

The Roshan Digital Account is a revolutionary banking solution for Overseas Pakistanis, offering easy access to investments, tax benefits, and 24/7 online banking. By following the simple steps above and choosing the right bank, you can connect to Pakistan’s financial system seamlessly—no matter where in the world you are.