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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
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
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.
AL Habib Roshan Digital Account Tutorial
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.
- Who is eligible to open Roshan Digital Account?
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. - How can I open AL Habib Roshan Digital Account?
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.
- What types of accounts are being offered?
Individual account in a single or joint category with current and saving account types are being offered.
- In which currencies can account be opened?
The account is available in Pak rupee and FCY (USD, GBP, EUR)
- Is AL Habib Roshan Digital account available in Islamic Banking variant?
Yes, the account is also being offered in Islamic Banking variant.
- What are the kind of investments I can opt for via AL Habib Roshan Digital Account?
- 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
- Will cheque book and Debit card be offered?
On PKR accounts, cheque book and internationally accepted Debit card will be offered.
On FCY accounts, only cheque book will be offered.
- What is the account opening turnaround time?
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.
- How will the customer know that his Roshan Digital Account has been opened?
An account opening confirmation will be sent to the customer's registered email address.
- Will the customer be able to repatriate his funds abroad?
Yes, funds in the account are repatriable.
- How can Roshan Digital Account be funded?
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.
- What taxes would be applicable on the Roshan Digital Account?
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. - Can more than one Roshan Digital Accounts be opened by a customer?
Yes, customer can opt for more than one account at a time.
- What documents are required for account opening?
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
- How can a customer contact the Bank on queries regarding 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
- What other conventional account services can be availed?
Account services including funds transfer, bill payments for their families, e-commerce and other payments in Pakistan
- Which transactions are permissible in the account?
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
- Is Internet banking available?
Yes
- Can I deposit funds from within Pakistan in this account?
No. Funds can only be remitted from outside Pakistan or funds can be transferred between two NRP accounts owned by the same person
- Documentary requirement for NRP salaried individuals?
- 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
- Documentary requirement for self-employed / non salaried NRP?
- 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
- Documentary requirement for unemployed NRP?
- Beneficial Owner of fund details
- Any other Proof of Source of Income/Funds (e.g. Inheritance etc.)
- Documentary requirement for NRP students?
- 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
- Documentary requirement for Retired / Pensioner NRP?
- 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)
- Documentary requirement for Housewife NRP?
- 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)
- What is the process of investment in Gateway to Equity Market?
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
- What is the process of investment in AL Habib Term Deposits (TDRs)?
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.
- Is compulsory deduction of Zakat, under Zakat & Ushr Ordinance 1980, applicable on RDA?
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).