AL Habib Roshan Digital Account

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 a Pakistani bank account through Roshan Digital Account (RDA) in Bank AL Habib via an online digital platform. Bank AL Habib is the leading Roshan Digital Account service provider across the country that will facilitate overseas Pakistanis and expats with a simple, secure and convenient online digital account opening process which facilitates payments, investments and helps them avail various other banking facilities while being abroad. Bank AL Habib provides secure banking solutions for Non-Resident Pakistanis (NRPs) with the option to establish a Roshan Digital Account (RDA) to facilitate remittances for subsequent investments in securities via CDC, government-issued bonds, real estate and other permissible purposes outlined by the State Bank of Pakistan. Benefits of Roshan Digital Account If you are an overseas Pakistani looking for an easy way to manage your financial needs back home then the Roshan Digital Account offered by Bank AL Habib is tailored for the Pakistani diaspora. The current / savings accounts offered for overseas Pakistanis ensure that you stay connected to your financial interests in Pakistan without any hassle. The unparalleled support and RDA features are what makes Bank AL Habib Roshan Digital Account the best bank account for overseas Pakistanis and a reliable option to open a current / savings account in your homeland. View Details View Details View Details View Details View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details RoshanQurbani View Details Roshan DigitalAccount Tutorial View Details Premium Prize bond View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents 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 Free Life Insurance Monthly Profit Payout on Savings Accounts Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS Free Life and Disability Insurance Cover Salient features of the insurance policy are as under Claim is eligible after 30 Days of Account Opening Claims payable on 90 Days of Average Balance in Account Maximum Claim on Accidental Death - PKR 4 Million Maximum Claim on Natural Death / Permanent Disability - PKR 2 Million In a Joint Account, any one of the account holders is covered Age Limit - 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 Roshan Digital Account will be PKR 2,000,000/- based on 90 days’ average balances provided to the insurance company equivalent to PKR using interbank dollar exchange rate. How to Open Roshan Digital Account for Overseas Pakistanis The following steps are required to open the Roshan Digital Account (RDA) in Pakistan: 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 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 2 working days. Documents Required for Roshan Digital Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and/or foreign / passport of another 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 letterhead or bank account statement, etc.) Live Photograph 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. 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 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 Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; } .mt25{margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; padding-left:10px;} .decimal ul li::marker { color: #00a25a; font-weight: bold; }

Naya Pakistan Certificates

Naya Pakistan Certificate (NPC) Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Naya Pakistan Certificates (NPCs), which are PKR, USD, GBP and EUR denominated instruments issued by the Government of Pakistan with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Naya Pakistan Certificate while Bank AL Habib is acting as an agent of the same. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Eligibility AL Habib Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificates can be booked in PKR, USD, GBP and EUR currencies. How to Invest 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. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Rates & Profit Payouts Tenure PKR Rate USD Rate GBP Rate EUR Rate Profit Payout (Coupon Payment) 3 Months 10.75% 6.75% 6.75% 4.75% Maturity 6 Months 11.00% 7.00% 7.25% 5.25% Maturity 12 Months 11.00% 7.25% 7.50% 5.50% Maturity 3 Years 11.25% 7.50% 7.75% 6.00% Bi-Annual 5 Years 11.50% 7.75% 8.00% 6.25% Bi-Annual *Revised Rates effective from March 27, 2026 onwards. Premature Encashment Certificates can be prematurely encashed (early encashment before maturity). No profit will be paid in case of encashment of certificates before completion of 3 months. Profit/proceeds of premature encashment made after 3 months will be calculated based upon the rates of nearest completed tenures.Please click for illustrations Maturity Maturity proceeds will be credited back to the investor’s Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays. The Certificates shall be pledgeable as security for raising financing in Pakistan subject to such conditions as may be prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

Supreme Court & Prime Minister fund for Diamer & Bhasha Dams

Introduction In accordance with the directives of the State Bank of Pakistan, Bank AL Habib has opened an account titled “The Supreme Court of Pakistan and the Prime Minister of Pakistan Diamer-Bhasha and Mohmand Dams Fund” where donations/contributions can be deposited to raise finances for construction of the above mentioned dams. Notice of Complains for Diamer-Bhasha and Mohmand Dam Fund Diamer Bhasha And Mohmand Dam Fund Donation Donations and contributions to this fund can be made in the form of cash, cheque, prize bonds and other cash equivalents at any of our branches and sub branches nationwide or through our following digital channels: ATMs AL Habib Mobile and Netbanking Mobile Banking

AL Habib Stock Market Investment

Investment in Pakistan Stock Exchange (PSX) at Your Convenience Bank AL Habib account holders may now open an account digitally with Central Depository Company (CDC) / Brokerage House through a Digital process. This is an ideal opportunity for Bank AL Habib account holders (Local) to invest in Pakistan’s capital market and earn competitive returns offered by Pakistan Stock Exchange (PSX). The following customer information will be required: Permission to share the KYC/CDD details, documents and Specimen Signature with CDC for onward sharing with Trading Right Entitlement Certificate Holder (TREC), National Clearing Company of Pakistan (NCCPL) Consent on Terms & Conditions for opening of Account with TREC holder and opening of CDC account Select a TREC Holder with whom he/she wishes to trade Apply Now Key Features Digital access to Pakistan Stock Exchange Trading Account Opening Digitally Select the broker of your choice to open Trading Account User friendly, fully automated and integrated system Safe and secure custodial services Email & SMS Alert Facility Step for Investment Broker List Brokers Connected with CDC Disclaimer: Bank AL Habib Limited bears no responsibility for any action / investment made in reliance of research reports of any brokerage house. The analysis and recommendation in the research reports are of the brokerage companies themselves and Bank AL Habib Limited does not recommend any investment decision based on them. Customers are requested to take their own investment decisions considering all influencing elements including but not limited to the market risk. AL Habib Stock Market Investment Tutorial × .downloadListItem{background-color: #fff;} body.dark-mode .downloadFieldWrapper .downloadList .downloadListItem { background-color: #202020; } .bgPosBtmLeft { background-position: top !important; } @media (max-width: 575.98px) { .featureWrapper { flex-wrap: nowrap; text-align: left; } }

AL Habib Biometric App

Download Forms

Corporate Social Responsibility

Your Bank is fully committed to the concept of Corporate Social Responsibility and fulfills this responsibility by engaging in a wide range of activities which include: Corporate philanthropy amounting to Rs. 626.95 million by way of donations & charities during the year for social and educational development and welfare of people. Energy conservation, environmental protection, and occupational safety and health by restricting unnecessary lighting, implementing tobacco control law and “No Smoking Zone”, and providing a safe and healthy work environment. Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank’s “Code of Conduct” and “Anti-Bribery and Corruption Policy”. Consumer protection measures, requiring disclosure of the schedule of charges and terms and conditions that apply to the Bank’s products and services. Amicable staff relations, recognition of merit and performance, and on-going opportunities for learning and growth of staff, both on-the-job and through formal training programs. Equal opportunity employment through a transparent procedure, without discrimination on the basis of religion, caste, language, etc., including employment of special persons. Expansion of the Bank’s branch network to rural areas, which helps in ru

Individual Financing

AL Habib Gold Credit Card

Gateway to Equity Market (GEM)

Stock Market At Your Doorstep Bank AL Habib introduces Gateway to Equity Market “GEM” to facilitate customers who are interested in investing their surplus funds in shares/securities through designated and registered TREC Holders / Brokerage Houses. “GEM” is being offered to all Bank AL Habib customers having conventional, saving and current accounts. “GEM Linked Account” will be opened alongside customer’s existing bank account, for facilitating investment in shares, settlement of trades and custodial services.