What is the Roshan Digital Account?
The Roshan Digital Account is a digital onboarding programme launched by the State Bank of Pakistan in September 2020 that lets overseas Pakistanis and Pakistan-origin individuals open a Pakistani bank account fully online, without ever visiting a branch. As of 2026 the programme has attracted more than 8 billion US dollars in cumulative inflows from over 175 countries, making it the single largest formal-channel diaspora banking initiative in South Asia.
RDA was created to do two things at the same time. The first goal was to give the diaspora a clean, regulated route back into the Pakistani financial system. The second was to redirect informal remittance flows (hawala, hundi, money mules) into the banking channel where State Bank rules apply and anti-money-laundering checks happen automatically.
Who can open a Roshan Digital Account?
You are eligible for an Allied Bank RDA if you hold a valid Pakistani CNIC, NICOP or POC, regardless of which country you currently live in. The State Bank's regulatory framework recognises three eligible groups: non-resident Pakistani nationals, Pakistan-origin foreign nationals holding a Pakistan Origin Card (POC), and resident Pakistanis with declared foreign-source income.
The eligibility test is straightforward in practice. If you have any one of the three identity documents above and are physically resident outside Pakistan when you apply, you qualify. Pakistan-origin individuals (former nationals who have taken citizenship abroad) qualify even without a current Pakistani passport, using their POC.
Documents you will need
- A clear scan of your CNIC or NICOP (both sides), or your POC plus a foreign passport.
- Live/digital photo via webcam
- Proof of non-resident status
- Proof of profession and source of income/funds (e.g., job certificate, salary slips, rental agreement, or other applicable income proof)
- Signature scanned on plain white pape
Allied Bank currently accepts RDA applications from more than 175 countries. If you live in a jurisdiction that is on the Financial Action Task Force grey or black list, expect additional documentation requirements and a longer verification window.
Ready to open your RDA?
Start the online application. Verification typically completes within one working day.
How to open your RDA with Allied Bank
Following are the steps to open Roshan Digital Account (RDA)
- Start the application Customer accesses the bank website or app, selects Roshan Digital Account, enters basic information, completes CAPTCHA, and verifies email via OTP.
- Upload your documents Customer provides account details, requests optional cheque book/debit card, uploads required documents, and completes the FATCA questionnaire.
- OTP verification Customer reviews and confirms the application, accepts declarations and terms, and submits the request using mobile OTP verification.
- Application submission & Acknwlodgement The system sends an acknowledgement email, provides a downloadable application, updates the status to Under Bank Review, and forwards the application to the bank account opening desk.
- Incomplete Application Follow up & closure If the application remains incomplete, automated reminder emails are sent. Applications not completed within 40 days are automatically closed.
What you can do with your RDA
Once your RDA is active you can hold, send and convert funds, invest and financing in below describe
Investment
Naya Pakistan Certificates (NPCs) are sovereign instruments introduced by the Government of Pakistan, available exclusively to Roshan Digital Account (RDA) holders. Facilitated through Allied Bank, these certificates are offered in USD, PKR, Euro, and GBP denominations and offer attractive returns across multiple tenures. in both conventional and Islamic versions.
Financing
Allied Roshan Apna Ghar Roshan Apna Ghar is a digital home financing facility designed for Non-Resident Pakistanis (NPRs) who maintain Roshan Digital Account (RDA) with ABL. This solution enables overseas Pakistanis to avail housing finance in Pakistan on flexible and affordable terms. The facility ensures convenience, security and seamless digital application process.
Retirement and giving
Allied Roshan Apni Car It enables overseas Pakistanis to finance a vehicle in Pakistan through a fully digital and regulated process. The scheme offers both Lien-Based and Remittance-Based financing options, ensuring flexibility, affordability, and convenience for Non-Resident Pakistanis (NRPs).
If you are a Pakistani earning abroad, your RDA is the bridge.
One online relationship gives you access to every regulated route money can take between your home country and Pakistan: spending, sending, saving, investing in NPCs or PSX, financing a house or a car, and building a pension. Almost everything that previously required a branch visit is now done from your phone.
Frequently asked questions
What is the TAT (Turnaround Time) for account regularization?
TAT for account review and KYC is 48 hours from the submission of the onboarding application.
Who is eligible for an RDA with Allied Bank?
Any non-resident Pakistani national with a valid CNIC or NICOP, Pakistan-origin foreign nationals holding a POC, and resident Pakistanis with declared foreign-source income are eligible to open a Roshan Digital Account under State Bank of Pakistan regulations.
What is the difference between NRVA and FCVA accounts inside an RDA?
NRP holds Pakistani Rupees, FCY holds your home currency (USD, GBP, EUR, AED, SAR).
Can I invest in Naya Pakistan Certificates through my RDA?
Yes. Once your Roshan Digital Account is active, you can subscribe to Naya Pakistan Certificates directly from your account in PKR or USD,EURO,GBP, with multiple tenors Profit is paid out periodically accordind to your choosen tenure.
Does ABL charge account mantinace fee for RDA?
No, there is no need to maintain account average balance so no account maintinance fee will be charge by bank for RDA.
Can I open an RDA jointly with my spouse?
Yes. Joint Roshan Digital Accounts are supported when both account holders qualify under the RDA eligibility criteria. Both holders complete the digital KYC separately during onboarding.
How can I access funds in my RDA?
You can access funds via mobile app or Internet Banking for local fund transfers, mobile top-ups, bill payments, and by using the Debit Card or cheque book.
Do I need approval to send funds abroad from my RDA account?
No, you do not require any approval for international fund transfers.
What is the TAT for cheque book and debit card delivery?
Once your account is opened and funded, the cheque book and ATM debit card (if requested) will be couriered to your registered address.