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Introduction

AL Habib Roshan Digital Business Account is designed to empower Non-Resident Pakistanis and Foreign Nationals seeking to invest in Pakistan with ease. This fully digital account provides a seamless gateway to Pakistan’s financial ecosystem, enabling businesses to conduct transactions, manage funds, and access growth opportunities remotely.

With a streamlined onboarding process, secure banking channels, the account offers convenience, flexibility, and efficiency for global entrepreneurs. Manage and invest your business finances in Pakistan anytime, anywhere without the need for physical presence.

Product Features

Account opening document on a computer
Free E-Statements
Free Cheque Book
Cheque Book Facility
Free Cheque Book
Digital Banking for Non-Residents
PKR, Pound and Dollar Interchange Icon
Offered in Pak Rupee & Foreign Currency
Desktop and Mobile
Free registration for Netbanking and AL Habib Mobile
No Minimum Balance Icon
No Initial deposit or minimum balance is required
No Fee Icon
No charges on opening, closure and maintenance of account
24/7 availability icon
Availability of 24/7 Dedicated Roshan Digital Unit (RDU)
Overseas Account Banking
Available in Current account with both Conventional & Islamic variants
PKR Icon
Local credits are allowed to the extent of proceeds received from permissible investments
Positive and Upward Graph
Access to host of investment avenues e.g. TDR Booking, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities etc.
Rupees Transfer
Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT
Free Cheque Book
Account is fully repatriable
Account across the globe
Free welcome pack delivery globally
No Zakat Deduction
No deduction of Zakat
Foreign Currency Transaction Icon
FCY to PKR Transfer & Bill Payments through internet banking

Key Fact Sheet

To learn more about Roshan Digital Business Account fees & charges, click below to download the detailed KFS

Download Current Account KFS Download Saving Account KFS

How to Open Roshan Digital Business Account

The following steps are required to open the Roshan Digital Business Account in Pakistan:

  • Provide Business Information.
  • Enter the OTP received on your email address & provide the account opening information.
  • Provide details of all natural persons associated with the business.
  • Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account.
  • Upload the documents mentioned in "required documents" and a Live Photo.
  • Receive confirmation in the provided email with a reference number.
  • The account opening confirmation will be emailed within 5 working days.

Documents Required for Roshan Digital Business Account Registration

The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan:

Documents for Directors/Person Authorized to Operate the Account:
  • Identity documents (Foreign ID card/CNIC, SNIC, NICOP, POC) must be valid or Scanned original Passport 1st & 2nd page.
  • Specimen Signature (on white plain paper)
Documents for Company:
  • Registration Certificate
  • Verification link or details of registration certificate (if any)
  • By-Laws / Memorandum of Association / Article of Assosciation / Partnership Deed / Trust Deed / Relevant Incorporation etc
  • Company Profile along with concern Directors & Stakeholders
  • Tax Certificate / Declaration / Exemption
  • Existing Bank Account Verification Certificate
  • Board Resolution / Authority Letter
  • Signatories Sign with T&C Consent
  • ID documents of all Natural persons.

Before Getting Started

  • Filling out the account opening form will approximately take 10-15 minutes.
  • After gathering the Required Documents, you will need to scan and upload them.
  • You will also need access to a webcam so that your live photo can be captured.
  • All fields are mandatory.
  • You will have to acknowledge the declaration to proceed to the 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 Business Account Tutorial

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AL Habib Roshan Digital Business Account User Guide

Please Download The User Guide For Roshan Digital Business Account Opening Process.

Download Now

Frequently Asked Questions

  • What is AL Habib Roshan Digital Account?

    An individual/Joint account for Non-Resident Pakistanis, Foreign Nationals, and Foreign Legal Entities with the convenience of account opening in Pakistan digitally from across the globe.

  • Yes, State Bank of Pakistan through its vide EPD Circular Letter No. 05 revised para of Chapter 6 & 8 of 2026 regarding “Foreign Currency Account and Non-Resident Rupee Account” & BPRD Circular Letter No. 09 of 2026 regarding “Consolidated Customer Onboarding Framework” of March 24, 2026, has issued instruction, in which SBP has instructed all banks & authorize dealers to open the accounts of Non-Residents natural & juridical persons in Pakistan.

  • Please visit Bank AL Habib’s official website (www.bankalhabib.com) and

    • Click on the Roshan Digital Account web page
    • Click on Roshan Digital Business Account and start application
    • Fill the desired online account opening form
      • Upload scanned documents & give consent on Terms and Conditions and Undertakings
    • Take Live Picture

    Upon successful completion, customer will receive an email and the Bank’s representative will contact you for more details.

  • Business Entities registered abroad can open current account through Bank AL Habib digital platform without visiting branch/Pakistan.

  • The account is available in Pak Rupee and FCY (USD, GBP and EUR) currencies.

  • Yes, the account is being offered in Conventional & Islamic Banking variants.

  • Cheque book:

    offered in (PKR FCY) accounts

    Visa Debit card:

    Not Available

    The Cheque Book will be delivered on registered mailing address in minimum 15 days on an average. However, the delivery time may vary depending on the customer’s destination.

  • NRBVAFCBVA
    NPC/INPCFCY Denominated Government Debt Securities
    Government Securities (T-bill's PIBs,Sukkuk) etc.
    Central Directorate of National Saving (CDNS) Securities
    Stock Exchange (GEM)FCY Denominated Term/Remunerative Deposit
    Mutual Funds
    Term Deposit

  • As per SBP regulations and Bank’s policy account will be opened in 5 business days.
    (Subject to completion of all documents)

  • An account opening confirmation email will be sent to the registered email address provided at the time of account opening.

  • Accounts are fully repatriable, which includes profit earned from permissible investments as per following terms.

    • Remittances and payments outside Pakistan to the extent of balances available in the account, without any prior approval from the bank or the State Bank

  • 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.

    • Bank AL Habib does not charge AL Habib Roshan Digital Account (RDA) customers for incoming remittances. However, correspondent bank charges may apply.

  • No withholding tax on cash withdrawals or account-to-account transfer by Foreign Legal Entity
    However, in investment Taxation of interest income, dividend income and capital gains on securities of the non-resident persons/entities shall be governed according to conditions as provided in the treaty between Pakistan and country of residence of the non-resident person/entities.

  • The following scanned documents are required to open an AL Habib Roshan Digital Business Account:

    Natural/ Authorized Person Documents

    • Foreign Id Front / Passport / Other Document Page 1
    • Foreign Id Back/ Passport / Other Document Page 2
    • Specimen Signature
    • Live Photo

    Entity Documents

    • Registration Certificate *
    • Verification link or details of registration Document/Certificate (Optional)
    • By-Laws / Memorandum of Association / Article of Association / Partnership Deed / Trust Deed / Rules & Regulations / Relevant Incorporation etc.
    • Company Profile along with concern Directors & Stakeholders
      5. Tax Certificate / Tax Declaration
    • Existing Bank Account Verification Certificate
    • Board Resolution / Authority Letter
    • Signatories Sign with T&C Consent (Optional)
    • ID documents of all Natural/ Authorized persons (Optional)

    * Attestation of Documents from third party regulated financial institutions, including attestations from their foreign correspondent banks, parent banking company, overseas branches / banking subsidiaries etc.

  • 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, investments and other payments in Pakistan.

  • AL Habib Roshan Digital Business account (FCY) Credits

    • Remittances received from abroad through banking channels.
    • Transfer of funds from its own Non-resident Rupee Business Value Account (NRBVA)* maintained in PKR within Bank AL Habib.
      • * Non-resident Rupee Business Value Account (NRVA)
    • Profit, mark-up, return or proceeds of sale or maturity of permissible investments made by FCBVA. *
    • Reversal of any erroneous debit from FCBVA.

    AL Habib Roshan Digital Business account (FCY) Debits

    • Investment in following securities/ products, provided that the relevant laws, rules and regulations permit such investment:
      • Only FCY denominated Government of Pakistan’s registered debt securities.
      • FCY denominated term deposit/remunerative product scheme of Bank AL Habib, remittances and payments outside Pakistan.
    • Transfer of funds to its own NRBVA maintained in PKR within Bank AL Habib.
    • Transfer to any other FCY or PKR account. However, any amount so transferred shall not be allowed to be credited back into the account.
    • Remittance or payments to the extent of balance available therein, without any prior approval from the bank or State Bank of Pakistan.
    • Any payment in PKR in Pakistan. However, any amount so paid shall not be allowed to be credited back into the account, except as otherwise permissible under the regulations.
    • Reversal of any erroneous credit entry

    AL Habib Roshan Digital Business account (PKR) Credits

    • Remittances received from abroad through banking channels
    • Transfer of funds from its own FCBVA within BAHL
    • Profit, mark-up, return or proceeds of sale or maturity of permissible investments made from NRBVA
    • Reversal of any erroneous debit from NRBVA.

    AL Habib Roshan Digital Business account (PKR) Debits

    Investments in the following, provided that the relevant laws, rules and regulations permit such investment:

    • Registered Debt securities of Government of Pakistan (T-bills, PIBs, Sukuk and any other registered debt securities of the government).
    • Investment in shares via GEM quoted on the stock exchange(s) in Pakistan.
    • Investments in units of funds quoted at stock exchange(s) and units of mutual funds registered as Open End Schemes (OES) under management of Asset Management Companies (AMCs) licensed by SECP to provide asset management services.
    • Term /Remunerative deposit products of Bank AL Habib maintaining the account.

      * Foreign Currency Business Value account

      • For investments/ contribution mentioned above, the procedure prescribed for investment/ dis-investment/ redemption shall be followed.

    • Transfer of funds to its own FCBVA within BAHL.
    • Transfer to any other FCY or PKR account. However, any amount so transferred shall not be allowed to be credited back into the account.
    • Remittance or payments from NRBVA to the extent of balance available therein, without any prior approval from the bank or State Bank of Pakistan.
    • Any other payment within Pakistan. However, any amount so paid shall not be allowed to be credited back into the account, except as otherwise permissible under the regulations.
    • Reversal of any erroneous credit entry.

  • Yes, this facility is available on accounts through Netbanking and Mobilebanking.
    Free – Transactions & bill payments allowed in PKR accounts however, view only facility is offered for FCY account.

    • Funds can only be remitted from outside Pakistan
    • Dis-investment proceeds from the permissible investments made from the account.
    • Reversal of any incorrect/wrong debit in the account

  • The Customer will request a booking of the desired TDR of Bank AL Habib 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.

  • For investments in stock market through AL Habib Gateway to Equity Markets, customers may submit the request through Bank AL Habib Roshan Digital Account web page or contact:
    Email: GEM-support@bankalhabib.com,
    RDA@bankalhabib.com
    Call Center # 021-111-014-014 - Press 7 for GEM
    Direct Lines: 0092-2132465828, 0092-2132465831

  • Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers Roshan Digital Account for onward purchasing or certificate from SBP. https://www.bankalhabib.com/naya-pakistan-certificate

  • No, the compulsory deduction of Zakat is not applicable on all RDA (*FCVA, **NRVA, FCBVA & NRBVA).

    *Foreign Currency Value account

    ** Non Resident Rupees Value Account