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Three-step easy Digital Account Opening
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Accounts available in PKR, USD, GBP, and Euro
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Available in Current and Savings variants ([Click here to see Savings rates])
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Joint Account availability
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Availability of Islamic Banking variants of Roshan Digital Account
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No Initial Balance requirement
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Free Debit Card
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First Free Cheque Book
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24/7 Internet Banking
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Access to Credit Cards
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Simple and quick Repatriation of Funds
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Real-time Fund Transfers
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Online Utility Bill Payments
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Free e-Statement of Account
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Simple and Easy Investment Procedures
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RDA SWIFT code / BIC:
ABPAPKKARDA
Roshan Digital Account is available to:
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Non-Resident Pakistanis (NRPs) above the age of 18 years
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Foreign Nationals holding Pakistan Origin Card (POC)
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Employees or officials of the Federal or Provincial Government posted abroad
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Resident individuals having declared their foreign-held assets as per latest wealth statement submitted to the Federal Board of Revenue (FBR)
Investment Opportunities
Through Roshan Digital Account, customers can invest in:
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Naya Pakistan Certificates (issued by Government of Pakistan)
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Real Estate and Properties
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PSX-listed shares via Central Depository Company (CDC)
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Term Deposits of Allied Bank
Documents Required for Roshan Digital Account Opening
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CNIC / NICOP / POC (Scanned Copy)
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Passport (Pakistani and/or foreign) with entry/exit stamp pages (Scanned Copy)
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Live/digital photo via webcam
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Signature scanned on plain white paper
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Proof of non-resident status
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Proof of profession and source of income/funds
(e.g., job certificate, salary slips, rent agreement, or any applicable income proof)
Q1. Will I have to obtain any approval for sending funds from my RDA account to abroad?
No, you don’t require any approval for sending funds abroad.
Q2. Kindly confirm the process of Joint Account opening procedure of both applicants?
Customer will input details and applicable documents of all joint account holders in the onboarding portal. Once the application is submitted, it will be reviewed by the Centralized desk.
Q3. Documentation required for joint account holder to be submitted.
All documents as of the primary applicant will be required.
Q4. Who will receive confirmation/KYC/DAO officer call backs in joint account scenario?
Link will be sent to the verified email address registered by the customer at the onboarding request. All joint account holders shall be available on the call as per the scheduled time.
Q5. Is FATCA confirmation necessary?
Yes. Customer will confirm the FATCA status during the onboarding request. It will be displayed to you while going through the customer onboarding journey.
Q6. At which time will the bank representative call me, as I am residing in a country having time difference with Pakistan?
At the end of the onboarding journey, you will select your convenient time for video call. Bank representative will establish recorded video call with the customer using the provided link.
Q7. Confirmation of TAT for account regularization?
For RDA, TAT for review and KYC of the account is 48 hours from submission of onboarding application.
Q8. What is the TAT for Cheque Book and Debit Card delivery?
As soon as the account is opened and funds are made available in the account, cheque book and ATM Debit Card (if requested during onboarding) will be sent at your registered address through courier.
Q9. What if I close the onboarding portal before completion of the application?
It will not create any problem; you just have to fill in the basic details fields and system will take you to the point where you have left.
Q10. How much time can it take to complete the onboarding application?
It might take 15–20 minutes if you keep the required documents available prior to start the journey.
Q11. Can I amend or update the information before submission of application?
Yes. At each step, a ‘Back’ button has been made available to go back to previous fields. In addition, a review screen will be displayed to you at the end of the process.
Q12. When will the bank inform me about the status of my application?
You will be informed through email at the time of submission of application, successful review by the bank representative, and at successful opening of account.
Q13. For OTP, which medium will the bank use?
To ensure that you have provided the correct information free of typographical errors, bank will send OTP at your email address at the start and at the time of submission of application.
Q14. For how much time will the OTP remain valid?
OTP will remain valid for 5 minutes.
Q15. How will I make investment in the Naya Pakistan Certificate?
Upon successful opening of your Roshan Digital Account, you will create password for a dedicated transaction portal from where you can request investments in Naya Pakistan Certificates.
Q16. Can I invest in Islamic Naya Pakistan Certificates as well?
Yes, bank is offering investment in both conventional and Islamic Naya Pakistan Certificates.
Q17. Can I open RDA account in currency other than Pakistani Rupee?
Yes, you can open RDA in Pakistani Rupee as well as in USD, GBP and Euro in ABL.
Q18. How can I activate my Debit Card?
Once you receive the Debit Card, you shall call ABL Helpline at +92 21 35301094 from your registered number for card activation.
Q19. Can I open an ABL Roshan Digital Account if I already maintain an account in ABL?
Yes, you can open a Roshan Digital Account as well.
Q20. How can I access funds available in my Roshan Digital Account?
You can access your account globally via Mobile App or Internet Banking to execute local fund transfers, Mobile Top Ups, and Bill Payments. The Debit Card and Cheque Book can also be used for the same objective.
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For Queries & Suggestions: [email protected]
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For Complaints: [email protected] | [email protected]
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For more information, visit: State Bank RDA Portal
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Email SBP: [email protected]