Circulars/Notifications - Digital Innovation & Settlements Department  
 DI&SD Circular Letter No. 03 of 2022
August 15, 2022 
The Presidents/ CEOs
Banks participating in Roshan Digital Accounts (RDA) Scheme

Dear Madam/Sir,

Service Standards for Enablement of Minimum Set of Services
on Mobile Applications for RDA Customers

Please refer to PSD Circular No. 05 of September 09, 2020 regarding the Service Standards for Roshan Digital Accounts for Non-Resident Pakistanis (NRPs) in terms of which  RDA participating banks were advised to provide an exceptional and seamless digital experience to their customers via their web portals, mobile apps and other digital channels.

2.         In this regard, Banks are advised to complete the development of their Mobile Applications incorporating the following minimum features pertaining to the Roshan Digital Account (RDA) within 3 months from the date of issuance of this Circular Letter i.e. November 15, 2022:
  1. Full-fledged account opening facility for all types of RDA accounts and customer segments that the bank is offering
  2. Investment in NPCs (both conventional & Islamic)
  3. Requests for Redemption/encashment of NPCs
  4. Requests for repatriation of funds from RDA
  5. Fund transfer services including interbank fund transfers via Raast and other platforms
  6. Bill Payment services including utility and 1Bill payments
  7. Online application/request and related processes for various RDA products including Roshan Apni Car and  Roshan Apna Ghar showing updated status of the application
  8. Online access to Roshan Samaaji Khidmat services
  9. Option to Invest in Roshan Equity and Bank’s own products, if available and offered
  10. Online option of currency conversion transaction, with live visibility of exchange rate
  11. Online request for Cheque Books, debit cards, credit cards (if offered) etc.
  12. Request for account statement, withholding tax certificate, account maintenance certificate, etc.
  13. Instant confirmation of transactional activity
  14. Complaint lodging and its resolution status
  15. Live chat option and any other option that would facilitate RDA customers

3.         In addition, option for investments in Mutual Funds, Insurance, Government Securities such as T-Bills, PIBs, etc. shall also be offered to customers, when available.

4.         In case the banks are offering services that redirects the banks’ customers to a third-party interface, then the banks shall mandatorily conduct third-party security assessments of the mobile apps and the channels providing connectivity to these third-party interfaces.

5.         Banks shall ensure compliance with all other relevant SBP’s instructions on mobile applications’ operations and security, etc. issued from time to time.

6.         Please acknowledge receipt.

Yours Truly,


(Muhammad Imaduddin)
Additional Director

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