Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage their accounts in Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis with a simple, secure & convenient online digital account opening process which, will ultimately help them make payments, investments and avail various other banking facilities while being abroad.
The following scanned documents are required for opening of AL Habib Roshan Digital Account:
An individual account for Non-Resident Pakistanis with the convenience of account opening digitally from across the globe.
Non Resident Pakistanis and employees or officials of Federal or Provincial governments posted abroad.
An individual shall be a non-resident individual for a tax year* if the individual is outside of Pakistan for a period of, or periods amounting in aggregate to, 183 days or more in the tax year (July to June); or is outside of Pakistan for a period of, or periods amounting in aggregate to, 120 or more in the tax year and, in the four years preceding the tax year, has been outside of Pakistan for a period of, or periods amounting in aggregate to, 365 days or more
*In the light of Income Tax Ordinance, 2001
Any person not satisfying these criteria will be considered as a resident individual.
Visit the BAHL official website (www.bankalhabib.com) and click on the Roshan Digital Account web page. Fill the online account opening form, upload the scanned documents, take live photo, consent to the Terms and Conditions and Undertakings. Upon successful completion of the account opening requirements, you will receive a confirmation email.
Individual account in a single or joint category with current and saving account types are being offered.
The account is available in Pak rupee and FCY (USD, GBP, EUR)
Yes, the account is also being offered in Islamic Banking variant.
On PKR accounts, cheque book and internationally accepted Debit card will be offered.
On FCY accounts, only cheque book will be offered.
As per SBP regulations and Bank’s policy if all documentations are complete and account opening requirements are fulfilled, the account will take two working days to open.
An account opening confirmation will be sent to the customer's registered email address.
Yes, funds in the account are repatriable.
The accounts can be fed with remittances received from abroad through banking channels.
For your ease & convenience the remittances can be sent through Bank AL Habib Correspondence Banks or Home Remittance Channels.
For PKR Accounts:
Exemption from Withholding Tax up to the extent of Foreign Remittances received.
For FCY Accounts:
Exemption from Withholding Tax up to the extent of Foreign Remittances received.
Yes, customer can opt for more than one account at a time.
The following scanned documents are required to open an AL habib Roshan Digital Account:
Customer's can contact the 24/7 Roshan Digital (RDU) at +92(021)32480061-66 or call center at +92(21) 111-014-014 or email on RDA@bankalhabib.com
Account services including funds transfer, bill payments for their families, e-commerce and other payments in Pakistan
Yes
No. Funds can only be remitted from outside Pakistan or funds can be transferred between two NRP accounts owned by the same person
For investments in stock market through AL Habib Gateway to Equity Markets, you may contact the following for any assistance:
The Customer will request a booking of the desired TDR of BAHL through his registered email address at the following email address: RDA@bankalhabib.com. The staff at the Roshan Digital Unit (RDU) will assist the customer in booking his/her desired TDR.
No, in terms of Section 3(1)(a)(b) of the Zakat and Ushr Ordinance, 1980, read with Rule 24-A of the Zakat Collection & Refund Rules, 1981, compulsory deduction of Zakat is not applicable on RDA (both FCVA and NRVA).