# Roshan Digital Account: how overseas Pakistanis open one and what it offers

Source: Searchable (https://searchable.pk/guides/banking/how-to-open-a-roshan-digital-account)
Type: Guide
Author: Searchable Editorial
Published: 12 Sept 2026
Updated: 15 Sept 2026
Retrieved: 15 Sept 2026

> RDA lets non-resident Pakistanis open a bank account from abroad in a few days, invest in Naya Pakistan Certificates, stocks and property, and repatriate freely.

## Who can open one

Non-resident Pakistanis (NRPs) and Pakistan-origin card holders, plus resident Pakistanis with assets declared abroad.

## Documents

- CNIC / NICOP / POC
- Passport
- Proof of NRP status (visa, residence permit, foreign ID)
- Proof of profession/income (job letter, payslip, bank statement)
- Live photo/selfie

## Steps

1. Choose a participating bank (all major banks: HBL, UBL, MCB, Meezan, Bank Alfalah, etc.).
2. Fill the online RDA form and upload documents.
3. The bank verifies within 48 hours and opens the account; you fund it via international transfer.

## What you can do

- **Naya Pakistan Certificates**, USD and PKR, Islamic and conventional.
- **Stocks** through a broker linked to your RDA.
- **Property** purchase with funds from the RDA, with repatriation of sale proceeds.
- **Car financing** and personal finance from some banks.
- Send money home instantly at interbank rates.

## Taxes

Profit on Naya Pakistan Certificates is subject to a final withholding tax (10%); no return filing is required for that income alone.

## Frequently asked questions

**Is RDA money repatriable?**

Yes. Funds and profits can be transferred back abroad without prior SBP approval.

**Can I open RDA while in Pakistan?**

The applicant must be an NRP; some banks allow application while visiting with proof of foreign residence.

## Sources

- State Bank of Pakistan: Roshan Digital Account (SBP): https://www.sbp.org.pk/RDA/

How to cite: "Roshan Digital Account: how overseas Pakistanis open one and what it offers", Searchable, 15 Sept 2026, https://searchable.pk/guides/banking/how-to-open-a-roshan-digital-account