الحبیب روشن ڈیجیٹل بزنس اکاونٹ

• 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.

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.

• 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

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

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)

• 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 Foreign Currency Business Value Account. *
• Reversal of any erroneous debit from Foreign Currency Business Value Account.

• 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

• 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.

• 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.

• 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