The Roshan Digital Account (RDA) has become Pakistan’s most successful financial initiative for overseas Pakistanis. As of early 2026, over 900,000 accounts have been opened with total inflows exceeding $12 billion. The State Bank of Pakistan has recently expanded RDA to foreign nationals and companies as well. This complete guide explains how to open a Roshan Digital Account in 2026, profit rates, investment options, and everything overseas Pakistanis need to know.
What is Roshan Digital Account?
Roshan Digital Account (RDA) is a State Bank of Pakistan initiative launched in September 2020, branded under the slogan “Door Reh Kar Bhi Paas” (Close Even When Far Away). It allows Non-Resident Pakistanis (NRPs) to open a Pakistani bank account 100% online without visiting any branch or embassy.
Roshan Digital Account 2026 — Key Updates
- 900,000+ accounts opened as of February 2026
- $12 billion+ in total inflows since launch
- Expanded to foreign nationals and companies (new in 2026)
- Pakistan now ranks 5th globally in remittance receiving countries
- Fiscal year 2026 remittances projected to reach $42 billion
Who Can Open Roshan Digital Account?
- Non-Resident Pakistanis (NRPs) living anywhere in the world
- Pakistan Origin Card (POC) holders
- Resident Pakistanis with declared foreign assets in FBR returns
- New in 2026: Foreign nationals and foreign companies (after SBP expansion)
Account Types Available
- PKR Current Account — for local Pakistan transactions
- PKR Savings Account — earns profit monthly
- Foreign Currency Account (USD/GBP/EUR) — for forex savings and investments
- Islamic/Conventional options available at most banks
How to Open Roshan Digital Account Online 2026
- Choose your preferred bank (see list below)
- Visit the bank’s RDA webpage and click “Apply Now”
- Fill in the online application form with personal details
- Upload required documents
- Complete live video verification or biometric check
- Receive confirmation email within 24–48 hours
- Account activated — fund via international wire transfer
Documents Required
- Valid Pakistani CNIC or NICOP
- Valid passport (first 2 pages)
- Proof of non-resident status (Iqama, visa, residence permit, or foreign passport)
- Proof of income/source of funds (salary slip, employment letter, or bank statement)
- Recent passport-size photograph
Banks Offering Roshan Digital Account in Pakistan 2026
- HBL (Habib Bank Limited)
- MCB Bank
- UBL (United Bank Limited)
- Meezan Bank (Islamic options)
- Bank Alfalah
- Bank AL Habib
- Standard Chartered Pakistan
- JS Bank
- Bank of Punjab (BOP)
- Faysal Bank
Investment Options via RDA
- Naya Pakistan Certificates (NPC): Government-backed, available in PKR, USD, GBP, EUR for 3M, 6M, 1Y, 3Y, 5Y tenors
- Pakistan Stock Exchange (PSX): Invest in Pakistani listed shares via CDC
- Mutual Funds: Invest in Pakistan’s top mutual funds
- Real Estate: Purchase property in Pakistan through Roshan Apna Ghar scheme
- Term Deposits: Fixed deposits with competitive rates at partner banks
Key Benefits of Roshan Digital Account
- Zero withholding tax on profits for NRPs
- Profit on RDA deposits is tax exempt — no need to file returns on RDA profit
- Free repatriation of funds abroad without SBP approval
- Free debit card for PKR account holders (first issuance)
- Pay utility bills and transfer funds within Pakistan via internet banking
- Real-time PKR/foreign currency conversion
Frequently Asked Questions
Can overseas Pakistanis open a bank account without visiting Pakistan in 2026?
Yes. The Roshan Digital Account allows NRPs to open a fully functional Pakistani bank account 100% online from anywhere in the world without visiting any branch or embassy.
Is profit on Roshan Digital Account taxable in Pakistan 2026?
No. Profit earned on RDA deposits is completely tax exempt for NRPs. No withholding tax is deducted and you do not need to file tax returns on RDA profit.
How many Roshan Digital Accounts have been opened in 2026?
As of February 2026, over 900,000 Roshan Digital Accounts have been opened with total inflows exceeding $12 billion since the program launched in September 2020.
Can foreign nationals open Roshan Digital Account in 2026?
Yes. The State Bank of Pakistan expanded RDA to foreign nationals and foreign companies in early 2026, broadening Pakistan’s investor base significantly.
