Roshan Digital Account (for NRPs)

Allied Bank Roshan Digital Account is aimed to provide digital banking solutions to millions of Non-Resident Pakistanis (NRPs) and POC holders. Now NRPs and POC holders willing to undertake banking, payments and investment activities can do so through digital channels without visiting bank branches in Pakistan. Any NRP & POC holder can now easily open a bank account in Allied bank from abroad digitally, with simplified requirements.

  • Features

    • Three step easy Digital Account Opening
    • Accounts available in PKR, USD, GBP and Euro
    • Available in Current and Savings variants (Click Here to see Savings rates)
    • Joint Account availability.
    • Availability of Islamic Banking variants of Roshan Digital Account.
    • No Initial Balance requirement.
    • Free Debit Card
    • First Free Cheque Book.
    • 24/7Internet banking
    • Credit Cards
    • Simple and quick repatriation of funds
    • Real time Transfer of Funds facility.
    • Online Utility Bill payment.
    • Free of Cost e- Statement of Account
    • Simple and Easy Investments Procedures

    * Rate of Return on PLS saving Accounts: As approved by Bank from Time to Time & Payable Biannually

  • Eligibility Criteria

    • Non-Resident Pakistanis above the age of 18 years
    • Foreign Nationals having Pakistan Origin Card (POC);
    • Employees or officials of the Federal Government or a Provincial Government posted abroad
    • Resident individuals having declared their assets held abroad, as per wealth statement declared in the latest tax return with the Federal Board of Revenue (FBR).


    • Investment in Naya Pakistan Certificates issued by Government of Pakistan:
    • Investment in Real Estate and Properties
    • Investment in PSX registered shares through Central Depository Company (CDC).
    • Investment in Term Deposits of the Bank

    Documents required for Roshan Digital account Opening.

    • CNIC/ NICOP/ POC (Scanned Copy.)
    • Passport (Pakistani and/or foreign country) (Scanned Copy with entry/exit stamp pages to establish identity with NRP status.)
    • Live /digital photo through Webcam
    • Signature (scanned on white page)
    • Proof of non-resident status.
    • Proof of profession and source of income/ funds:
    • Proof of profession and source of income/funds e.g. job certificate/ salary slips, rent agreement or other applicable proof of income.

    Additional Information:

    • For quires and assistance dedicated RDA help desk​. ​
    • For any changes to customer’s account i.e. personal details etc. request/instructions may be sent through their registered email address to  [email protected]
    • For complaints, please email us on  [email protected] or   [email protected]
    • All taxes shall be applicable as per prevailing law.
    • Service Charges will apply as per prevailing Schedule of Charges
    • Terms and conditions apply

  • Open an RDA Account

    To open Roshan Digital Account with Allied Bank Please click on below given link.:

    For further information on Roshan Digital Account from State Bank of Pakistan, please visit   or email at [email protected]

  • Frequently Asked Questions

    1. if Islamic variants are available under RDA?

    Yes, bank is offering both conventional and Islamic variants under RDA scheme with current and saving categories.

    1. 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.

    1. Kindly confirm the process of Joint Account opening procedure of both applicants?

    Customer will input details & applicable documents of all joint account holders in the onboarding portal. Once the application is submitted, it will be reviewed by the Centralized desk.

    1. Documentation required for joint account holder to be submitted.

    All documents as of the primary applicant will be required.

    1. 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.

    1. Is FACTA confirmation is 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.

    1. At which time bank representative will 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.

    1. Confirmation of TAT for account regularization?

    For RDA, TAT for review and KYC of the account is 48-Hours from submission of onboarding application.

    1. 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 & ATM Debit card (if requested during onboarding) will be sent at your registered address through courier.

    1. 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.

    1. How much time it can take to complete the onboarding application?

    It might take 15~20 minutes if you keep the required documents available prior to start the journey.

    1. Can I amend/ 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.

    1. When bank will inform me 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

    1. For OTP, which medium bank will use?

    To ensure that you have provided the correct information free of typographical errors, bank will send OTP at your email address in the start and at the time of submission of application.

    1. For how much time OTP will remain valid?

    OTP will remain valid for ‘5’ minutes

    1. How I will 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.

    1. Can I invest in Islamic Naya Pakistan Certificates as well?

    Yes, bank is offering investment in both conventional & Islamic Naya Pakistan Certificates.

    1. 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.

    1. How can I activate Debit Card?

    Once you receive the Debit card, you shall call ABL Helpline at +92 21 35301094 from your registered number for card activation.

  • Invest in Naya Pakistan Certificates an opportunity to earn higher returns

    Naya Pakistan Certificates (NPCs) offered by ABL for RDA account holders are USD, PKR, Euro and British Pound-denominated sovereign instruments issued by the Government of Pakistan. NPCs offer attractive risk-adjusted returns over different maturities. They are available in both conventional and Shariah compliant versions and administered by the State Bank of Pakistan.

    • The NPCs are available in five maturities, namely, 3-month, 6-month, 12-month, 3-year and 5-year,
    • The profit on 3-month, 6-month and 12-month NPCs shall be payable on maturity, whereas the profit on 3-year and 5-year shall be payable to the investors on semi-annual basis.
    • The amount of Investment in USD, PKR, GBP and Euro denominated certificate is as under:


    US Dollar Denominated Certificates Minimum investment of USD 5,000 with integral multiples of USD 1,000 with no maximum limit
    PKR Denominated Certificates Minimum investment of PKR 100,000 with Integral multiples of PKR 10,000 with no maximum limit.
    GBP Denominated Certificates Minimum investment of GBP 5,000 with Integral multiples of GBP 1,000 with no maximum limit.
    Euro Denominated Certificates Minimum investment of EUR 5,000 with Integral multiples of Euro 1,000 with no maximum limit.
    • Repatriable in total with ease and a quick processing
    • Zakat exempted
    • Availability of Premature encashment option
    • Financing Facilities against Naya Pakistan Certificates pledged as a security.
    • High returns of up to 11% on your investments in multiple currency denominated certificates


    Rate of Returns:

    Tenor PKR Rate USD Rate GBP Rate EUR Rate
    3 Months 9.50%   p.a 5.50% p.a 5.25% p.a 4.75% p.a
    6 Months 10.00% p.a 6.00% p.a 5.50% p.a 5.00% p.a
    12 Months 10.50% p.a 6.50% p.a 5.75% p.a 5.25% p.a
    3 Year 10.75% p.a 6.75% p.a 6.25% p.a 5.50% p.a
    5 Years 11.00% p.a 7.00% p.a 6.50% p.a 5.75% p.a

    For further information on Naya Pakistan Certificates from State Bank of Pakistan, please visit:

    To apply in NPC Investment via ABL’s Roshan Digital Account please visit:

  • Roshan Equity Investment for RDA NRVA Account holders

    CDC’s facilitation for Investment in Pakistan Stock Market through Roshan Digital Account

    Allied Bank offers investment facility for Overseas Pakistanis in Pakistan Stock Exchange (PSX) digitally with ABL Roshan Digital Account.

    For further information on Investment in PSX registered shares through Central Depository Company (CDC) please visit:

    To apply for Investment in PSX registered shares through Central Depository Company (CDC) via ABL’s Roshan Digital Account please visit:


    Roshan Samaaji Khidmat

    Roshan Samaaji Khidmat is a social initiative of State Bank of Pakistan (SBP) for Overseas Pakistanis who can now make Zakat & Donation payments digitally through their Roshan Digital Account (RDA).

    Allied Bank’s RDA account holders can make their donation to below listed Organizations

    • Akhuwat
    • Akhuwat Islamic Microfinance
    • Edhi Foundation
    • Fatima Memorial Hospital
    • Namal college, Mianwali
    • Pink Ribbon
    • Shaukat Khanum Memorial Cancer Hospital
    • Sindh Institute of Urology and Transplantation (SIUT) Donation
    • Sindh Institute of Urology and Transplantation (SUIT) Zakaat
    • Sundus Foundation
    • Ehsaas-Koye Bhooka Na Soye – 2021
    • Ehsaas donation Fund Account – 2021
    • Shaukat Khanum Memorial Trust
    • Chippa

    For Payment of Zakat and to donate kindly visit:

  • How to open Roshan Digital Account?