The Roshan Digital Account (RDA) is a State Bank of Pakistan initiative that lets overseas Pakistanis open a Pakistani bank account online without visiting a branch.
Who Can Open a Roshan Digital Account?
- Non-resident Pakistanis with a valid CNIC, NICOP or POC
- Some foreign nationals of Pakistani origin, depending on the bank
- Several Pakistani banks offer the account
Main Benefits
- Open fully online from abroad
- Accounts in PKR and foreign currency
- Invest in Naya Pakistan Certificates and other options
- Pay bills, fees and make payments in Pakistan
- Funds can be repatriated abroad under the rules
How to Open a Roshan Digital Account
- Choose a participating bank and open its RDA online portal.
- Fill in your details and upload CNIC/NICOP, passport and proof of income or employment.
- Complete video or digital verification.
- Fund the account through a transfer from your foreign bank account.
Tips
- Compare banks for fees, app quality and customer service.
- Profit rates on certificates change – check the latest rates on official websites.
- Keep your documents valid to avoid account restrictions.
This guide is for general information only and is not financial advice. Fees, exchange rates, interest rates and rules change often – always check the latest details with the bank, app or official authority before you decide.