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Introduction

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.

Product Features

Free E-Statements
Cheque Book Facility
Debit Card Facility (PKR Account Only)
Offered in Pak Rupee & Foreign Currency
Free registration for Netbanking and AL Habib Mobile
No Initial deposit or minimum balance is required
No charges on opening, closure and maintenance of account
Availability of 24/7 Dedicated Roshan Digital Unit (RDU)
Available in Current & Saving account types with both Conventional & Islamic variants
Local credits are allowed to the extent of proceeds received from permissible investments
Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc.
Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels
Account is fully repatriable
Also available in Joint Account
Roshan Free Life Insurance
Monthly Profit Payout on Savings Accounts
Free welcome pack delivery globally
No deduction of Zakat

Roshan Free Life and Disability Insurance Cover

    • Claims are payable on the last 90 days of the average balance in a customer’s account.
    • New account is eligible after 90 days of opening of the account.
    • Maximum claim payable on accidental death is PKR 2 Million.
    • Maximum claim payable on natural death/permanent disability is PKR 1 Million.
    • In the case of a joint account, any one of the account holders will be covered.
    • Admissible age limit of claim - 18 to 60 years.

Basis of Coverage

The insurance Coverage for each Member shall be equal to the last 90 days’ average balance Maximum Limit of the RDA account will be PKR 1,000,000/- based on 90 days’ average balances provided to the insurance company equivalent to PKR using interbank dollar exchange rate.

Steps to Open AL Habib Roshan Digital Account

  • Provide Basic Information.
  • Enter the OTP received on your email address & provide the account opening information.
  • Choose the type of Digital Account: a Foreign Currency Account or a Pak Rupee Account.
  • Upload required documents mentioned in "required documents" and a Live Photo.
  • Receive confirmation on provided email with a reference number.
  • The account opening confirmation will be intimated within 2 working days through email.

Required Documents

The following scanned documents are required for opening of AL Habib Roshan Digital Account:

  • Customer CNIC / SNIC / NICOP / POC
  • Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country)
  • Specimen Signature (scanned on a white page)
  • Proof of NRP status (e.g. copy of POC, visa entry / exit stamps etc.)
  • Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.)
  • Live Photograph 

Before Getting Started

  • Filling of account opening form will approximately take 10-15 minutes.
  • After gathering the Required Documents you will need to scan and upload them.
  • We advise you to read the FAQs to get familiar with the product.
  • You will also need access to a webcam so that your live photo can be captured.
  • You may use the live chat feature in case you need any kind of assistance at any point.
  • All fields are mandatory.
  • You will have to acknowledge declaration to proceed to next steps.

Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache / cookies to ensure the application runs smoothly.

AL Habib Roshan Digital Account Tutorial

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Frequently Asked Questions

  • What is 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 (NRPs), Foreign Nationals having a Pakistan Origin Card (POC), Resident Pakistanis having assets abroad and 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); 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

  • Non-Resident Pakistanis will visit Bank AL Habib’s official website (www.bankalhabib.com) and click on the Roshan Digital Account web page; Fill the online account opening form, upload scanned documents, give consent on Terms and Conditions and Undertaking. Upon successful completion, you will receive an email and the Bank’s representative will contact you for more details.

    Resident Pakistanis having declared assets abroad may visit their nearest Bank AL Habib branch to open their Roshan Digital account.

  • Individual current and savings accounts are offered in single and joint category. Non-Resident Pakistanis may open an account jointly with other residents/non-residents.

    A Pakistani resident having assets declared with FBR, will be allowed to open the account jointly with a Pakistani resident only.

    However, these accounts will be treated as non-resident accounts.

  • The account is available in Pak rupee and FCY (USD, GBP, EUR)

  • Yes, the account is also being offered in Islamic Banking variant.

    • Investments in Naya Pakistan Certificates
    • Registered Debt securities of Government of Pakistan (T-bills, PIBs, Sukuk and any other registered debt securities of the government including CDNS securities).
    • Shares quoted on the stock exchange(s) in Pakistan.
    • Residential and commercial real estate.
    • Term /remunerative deposit products of BAHL

  • On PKR accounts, a cheque book and an internationally accepted Visa Debit card will be offered. The Card will be delivered to your registered mailing address.

    On FCY accounts, only a cheque book will be offered.

    The Debit Card and Cheque Book will be delivered in 15 days on an average. However, the delivery time will vary depending on the customer’s destination.

  • 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. Please download the funds repatriation form. Fill in the details, and send your signed funds repatriation request to RDA@bankalhabib.com.

    Funds transfer charges will be applicable as per prevailing Schedule of Bank Charges.

  • 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.

    • Bank AL Habib does not charge AL Habib Roshan Digital Account (RDA) customers for incoming remittances. However, correspondent bank charges may apply.
    • Bank AL Habib has made special arrangements with the following banks for reduced per transaction charges on inward remittance
    Bank Swift Code / BIC Charges (USD) Routing Details
    JPMorgan BAHLPKKARDA 7 Mention “ROSHAN DIGITAL” in field 70 or field 72 of the Swift MT-103 message.
    SCB BAHLPKKA 5 No additional details required.
    Citibank BAHLPKKA 5
    • For Resident Pakistani AL Habib Roshan Digital Account holders, the account is to be fed by remittances received from abroad through banking channels that should not exceed from the amount declared in Wealth statement of prevailing tax year filed with Federal Board of Revenue (FBR). The account from which the remittances are received must be the same account declared by the account holder in his/her latest tax returns submitted to the FBR. Remittances from other accounts which are not mentioned in tax returns will not be allowed.

  • Deposits
    No need to file tax returns on profit from RDA deposits

    Profit earned on RDA deposits is tax exempt. No withholding tax will be deducted against profit on RDA deposits

    No need to obtain an exemption certificate from the Federal Bureau of Revenue (FBR)

    Transactions
    No withholding tax on cash withdrawals or account-to-account transfer by NRPs

  • 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 CNIC / SNIC / NICOP / POC
    • Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country)
    • Specimen Signature (scanned on a white page)
    • Proof of NRP status (e.g copy of POC, visa entry / exit stamp etc.)
    • Proof of profession and Source of Income / Funds (For example: For salaried indiviusals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.)
    • Live Photograph

  • Customer may contact the Bank on its 24/7 Call Center number at +92 (21) 111-014-014 or email Roshan Digital Unit at RDA@bankalhabib.com

  • Account services including funds transfer, bill payments for their families, e-commerce and other payments in Pakistan

  • Credits:

    • Remittances received from abroad through banking channels.
    • Transfer of funds from account holders’ own Foreign Currency Value Account (FCVA) and other NRP Rupee Value Account (NRVA) within BAHL
    • Dis-investment proceeds from the permissible investments made from the account.
    • Reversal of any incorrect/wrong debit in the account.

    Debits:

    • Remittances and payments outside Pakistan.
    • Investments in Govt securities, Mutual Funds, Naya Pakistan Certificate, Pakistan Stock Exchange and Real Estate
    • All inland Within Pakistan payments and funds transfer within Pakistan only(Only through PKR A/c)
    • Debits in lieu of applicable government taxes / duties etc, bank charges and reversal of any incorrect / wrong credit entry
    • Yes, Internet Banking transaction facility is available on PKR accounts.
    • For accounts in Foreign Currencies, view only facility of funds in the account is available

  • No. Funds can only be remitted from outside Pakistan or funds can be transferred between two NRP accounts owned by the same person

    • Latest salary certificate/salary slip/payment slip/account statement (Anyone)
    • Employer/ Job Certificate, Or Employment Contract, Or Employer Letter (Anyone)
    • Or Iqama/ Work Permit showing Profession/ Employment Details
    • Any other Document evidencing the Profession
    • Or Document having relevant income source e.g. Bank Statement
    • Document having relevant income source e.g. Tax return, receipt of payment against work or Bank Statement (In case Tax Return is not applicable / provided)
    • Proof of business (Business/ Proprietor Letter Head; or any other Proof of Self Employment (e.g. Lawyer/ Doctor/ Consultant/ Freelancers/ Grocery Store/ Medical Store/ Labor Work etc.) )
    • Business Registration / License No
    • Beneficial Owner of fund details
    • Any other Proof of Source of Income/Funds (e.g. Inheritance etc.)
    • Any proof of student (Student ID Card / Registration Card / etc. from educational institute)
    • Particulars of Income/ Funds Providers (e.g. Family Members/ Guardian/ Stipends/ Social Benefits etc.)
    • Copy of ID document of Fund Provider / Beneficial Owner
    • Retirement Certificate or any other proof of retirement
    • Evidence of Terminal Benefits / Pension Book etc
    • Tax Return or Bank Statement (In case Tax Return is not applicable / provided)
    • Self-declaration from Customer regarding her being Housewife
    • Beneficial Owner's Source of Funds e.g. Tax Return/Business/Employment Details / Proof of income
    • Copy of ID document of Fund Provider / Beneficial Owner (If available)

  • For investments in stock market through AL Habib Gateway to Equity Markets, you may contact the following for any assistance:

    • Email: GEM-support@bankalhabib.com , RDA@bankalhabib.com
    • Call Center # 021-111-014-014 - Press 7 for GEM
    • Direct Lines: 0092-2132465828, 0092-2132465831

  • 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).

  • Following are the documentary requirement:

    • Copy of passport
    • Copy of Identity Document
    • Bank`s statement
    • Hospital death certificate
    • Death Certificate duly issued by the competent authority of Government
    • Police Report (in case of accidental death)
    • Post mortem/ Autopsy Report (If performed)
    • Complete Medical Record, Reports, Treatment Record pertaining to disability
  • S.No.Description of Injuries PercentagePercentage
    1Loss of both hands or amputation at higher site100%
    2Loss of hand and a foot100%
    3Double amputation through the leg or thigh amputation through leg or thigh amputation through leg or thigh on one side and loss of other foot.100%
    4Loss of sight to such an extent as to render the claimant unable to perform any work for which eyesight is essential.100%
    5Very severe facial disfigurement100%
    6Absolute deafness100%