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SBP Initiative for Digital Onboarding of Overseas Pakistanis

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Roshan Apna Ghar an exclusive product for Non Resident Pakistanis (NRPs) to buy, build or renovate their homes in Pakistan.

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Roshan Apni Car enables Non Resident Pakistanis to buy car of their choice for their loved ones in Pakistan at attractive rates.

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Roshan Samaaji Khidmat provides the facility to pay for charities and donations in Pakistan using a convenient one-stop payment platform.

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Naya Pakistan Certificates (NPCs) are USD, PKR, Euro and British Pound-denominated sovereign instruments issued by the Government of Pakistan.

September 2021
No. of Countries
Accounts Opened
Funds Received
Naya Pakistan Certificates
USD 2,411 mn
USD 1,660 mn

A New Era of Banking in Pakistan

Roshan Digital Account is a major initiative of State Bank of Pakistan, in collaboration with commercial banks operating in Pakistan. These accounts provide innovative banking solutions for millions of Non Resident Pakistanis (NRPs), including Non-Resident Pakistan Origin Card (POC) holders, seeking to undertake banking, payment and investment activities in Pakistan.

Governor SBP, Dr. Reza Baqir's
Message on Roshan Digital Account

"For the first time in the history of Pakistan, State Bank has made it possible to allow our overseas Pakistanis to open an account in a Pakistani bank completely digitally in a presenceless manner and without needing to visit any bank, any embassy or consulate."

Governor SBP, Dr. Reza Baqir

Fully Digital Account Opening and Operation


For the first time in Pakistan’s history, NRPs are being provided an opportunity to remotely open an account in Pakistan through an entirely digital and online process without any need to visit a bank branch. Opening of the account will require only a basic set of information and documents. Banks have been asked to complete all necessary customer due diligence within 48 hours.


Lifestyle Banking

The Roshan Digital Account fully integrates the Pakistani diaspora with Pakistan’s banking and payment system by:

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Providing digital access to all conventional account services including funds transfer, bills and fee payments, and e-commerce. .

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Enabling Non Resident Pakistanis to buy car of their choice for their loved ones in Pakistan at attractive rates through Roshan Apni Car

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Providing the facility to pay for charities and donations in Pakistan using a convenient one-stop payment platform through Roshan Samaaji Khidmat

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Investment in shares and units of funds in Pakistan Stock Market.

Investment in units of mutual funds (Open Ended Scheme).

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Opening up investment opportunities in the Pakistani property market including both commercial and residential real estate.
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Enabling investment by non-resident Pakistanis in Naya Pakistan Certificates (NPCs) issued by the Government of Pakistan, in USD, GBP, EURO and PKR at very attractive risk free rates and in both conventional and Shariah-compliant forms. (Click for GoP Notifications). On NPC, only a 10% withholding tax on profits is applicable that is full and final. No filling of tax return is required. Resident Pakistanis who have assets abroad declared with FBR can also invest in USD/GBP/EURO denominated NPCs. To do so, they can open a Roshan Digital Account in foreign currency by visiting a bank branch in Pakistan. (Click here for details)
3 M 6 M 12 M 3 Y 5 Y
USD (%, Annualized)
5.50 6.00 6.50 6.75 7.00
GBP (%, Annualized)
5.25 5.50 5.75 6.25 6.50
Euro (%, Annualized)
4.75 5.00 5.25 5.50 5.75
PKR (%, Annualized)
9.50 10.00 10.50 10.75 11.00

Accounts Available in Both Foreign Currency and Pakistani Rupees

The customer can choose either a foreign currency or rupee-denominated account, or both. For NRPs, these accounts would be interoperable and enable real-time online conversion from foreign currency to Pakistani Rupees and vice versa.

Choice of Account

Single, joint, current and savings accounts are available.

Islamic Option

Both conventional and Shariah-compliant accounts can be opened.

Fully Repatriable

Funds available in the account can be remitted back from Pakistan without any approval from bank or SBP.


New Simplified, Convenient and
Hassle-free Tax Regime

The Federal Government has introduced a new simple, convenient and hassle-free tax regime for Non Resident Pakistanis (NRPs) having Roshan Digital Account (RDA). This includes all investments made by NRPs in Government debt securities, both conventional and Shariah compliant, stock market, mutual funds and real estate through RDAs. The features of this new tax regime for NRPs having RDAs are as follows:

RDA Deposits

Profit earned on RDA deposits is tax exempt
No withholding tax will be deducted against profit on RDA deposits
No need to obtain an exemption certificate from the Federal Board of Revenue (FBR)5
No need to file tax returns on profit from RDA deposits

Banking Transactions

No withholding tax on cash withdrawals or account-to-account transfer by NRPs

Investment in Naya Pakistan Certificates

Full and final tax @ 10 percent on profit on NPCs for NRPs and such resident Pakistanis having declared assets abroad
No need to file tax returns on profit on NPCs

Investment in Shares and Mutual Funds

Full and final tax of 15 percent on capital gains
Full and final tax of 15 percent on dividends received from mutual funds and companies other than IPPs and the companies which are tax exempt. The tax rate on dividends from IPPs is 7.5 percent and from tax exempt companies is 25 percent
No penalty or doubling of the tax rate due to absence from Active Taxpayer’s List (ATPL)
No need to file tax returns on dividends and capital gains

Investment in Property

Full and final capital gains tax of 1 percent on value at the time of sale of properties
Full and final payment of 1 percent tax on value at the time of purchase of properties
No need to file tax returns for NRPs on capital gains on sale of properties


  • Non-resident Pakistanis with Pakistani passport, NICOP, POC or NIC
  • Individuals who are employed, self-employed, unemployed, housewives/homemakers, students, children, and pensioners.
  • Companies or entities cannot open Roshan Digital Account.


Open an Account


Select a Bank

Select any of the participating banks for opening an account.

Fill Account Opening Form

Go to the selected bank’s website for filling account opening form digitally.

Choose Digital Account Type

Choose the type of Digital Account - a Foreign Currency Account or a Pak Rupee Account.

Upload Documents

You will need to upload scanned copies of at least the following documents to open an account:


b)  Passport (Pakistani and/or foreign country).

c)  Proof of non-resident status.

d)  Proof of profession and source of income/ funds. For example, one of the following documents:

  • For salaried individuals: employment letter, salary slip or bank account statement.

  • For business persons: business registration document, business letter head or bank account statement.

Add Picture

You will be asked for a digital photo that would be taken at the time of filling the form and uploaded live.

Receive Confirmation

You will get confirmation of account opening within 48 hours.

Transfer Funds

After account opening, you can transfer funds in the account through banking channels from the country of your residence.

Click an icon below to open an account

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Banks’ Schedule of Charges for RDA

Roshan Digital Account holders may incur charges on the various products and services offered by banks like: funds remittance, cards, cheque book, etc. These charges vary from bank to bank. For customers’ convenience, the links of banks leading to their schedule of charges* are placed below:

Disclaimer: “These charges are being displayed for general awareness and convenience of the public and have been compiled based on the information provided by the banks. Public is encouraged to also consult the concerned bank’s website for complete and updated details of their charges. SBP will bear no responsibility or liability of any loss incurred due to decisions made based on the displayed charges on its website”.

Deputy Governor SBP, Dr. Murtaza Syed
explains the features of Roshan Digital Account
A New Era of Banking in Pakistan

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Please share your questions or feedback related to the Roshan Digital Accounts initiative with SBP at [email protected]

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