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.
To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFSDownload KFS
The following scanned documents are required for opening of AL Habib Roshan Digital Account:
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Please Download The User Guide For Roshan Digital Account Opening Process.
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)
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.
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)
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 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
No. Funds can only be remitted from outside Pakistan or funds can be transferred between two NRP accounts owned by the same person
For investments in stock market through AL Habib Gateway to Equity Markets, you may contact the following for any assistance:
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).
Funds in Roshan Digital Account (RDA) should be credited through remittances via SWIFT message from:
The foreign remittance transaction may take 2-3 days to be credited in the account.