Roshan Digital Account opening lets overseas Pakistanis open a Pakistani bank account fully online, without visiting a branch, and invest in Pakistan from abroad. The Invest Pakistan helps you choose the bank, prepare documents and understand the products you can use, from Naya Pakistan Certificates to Roshan Apni Car, home finance and shares.
Last updated: 5 November 2026 by Ahmed, The Invest Pakistan.
Living abroad and want to invest in Pakistan? Message us on WhatsApp (+92 327 5025285) or use our contact page.
Roshan Digital Account Opening: Who Can Apply?
- Non-resident Pakistanis with a CNIC, NICOP or POC.
- Foreign nationals of Pakistani origin with a POC, in most banks.
- Resident Pakistanis who have declared foreign assets with FBR, at participating banks.
What You Can Do With a Roshan Digital Account
| Use | What it means |
|---|---|
| Naya Pakistan Certificates | Government certificates in US dollars or rupees, conventional or Islamic |
| Roshan Apni Car | Car finance or Ijarah in Pakistan, for example Meezan Car Ijarah through RDA |
| Roshan Apna Ghar | Home finance for property in Pakistan |
| Roshan Equity Investment | Buy PSX shares and mutual funds through the account |
| Paying bills and fees | Pay family expenses, school fees and bills in Pakistan |
How The Invest Pakistan Helps
- Compare participating banks on app quality, products and fees.
- Prepare documents: CNIC/NICOP/POC, passport, proof of foreign address and income.
- Guide the online form, video verification and first deposit.
- Explain tax: RDA holders who are non-residents are generally taxed only on Pakistan-source income, and profit on Naya Pakistan Certificates is subject to withholding tax.
- Plan investments: certificates, car or home finance, or PSX.
Why Choose The Invest Pakistan for Roshan Digital Account Opening?
When you come to The Invest Pakistan for Roshan Digital Account opening, you deal with one team that explains every step in plain English or Urdu, checks your documents before anything is submitted, and tells you upfront which costs are official fees and which are our service charge. There are no hidden charges and no promises we cannot keep.
- Experience: The Invest Pakistan publishes detailed, regularly updated guides on tax, banking, investing and government schemes in Pakistan.
- Accuracy: we follow the official rules from FBR, SBP, SECP and the relevant departments, and update our process when they change.
- Privacy: your CNIC, passwords and documents are used only for your case and never shared.
- Support after the work is done: questions after submission are answered on WhatsApp.
How to Get Started With Roshan Digital Account Opening
Send us a WhatsApp message with your name, city and a line about what you need. We reply with the documents list for your Roshan Digital Account opening case, the steps, the time it usually takes and our fee for the work. Once you agree, we start right away.
Frequently Asked Questions
Can I open a Roshan Digital Account online?
Yes. The account is opened fully online through a participating bank’s website or app, with no branch visit.
Who can open a Roshan Digital Account?
Non-resident Pakistanis with a CNIC, NICOP or POC, and some resident Pakistanis with declared foreign assets.
Can I buy a car through Roshan Digital Account?
Yes, through Roshan Apni Car finance or Ijarah at participating banks.
Is my money repatriable?
Yes. Funds in a Roshan Digital Account can be sent back abroad without State Bank approval, as per the scheme rules.
Does The Invest Pakistan open the account for me?
You open it in your own name with the bank. We guide you through every step and the documents.
The Invest Pakistan is an independent consultancy. We are not part of, or affiliated with, any government department, bank, broker or scheme, and we cannot guarantee approval of any application. Official fees, if any, are paid directly to the government body or institution concerned.
Related Guides and Services
- Meezan Car Ijarah via Roshan Digital Account
- Car financing consultation
- PSX account opening help
- All services by The Invest Pakistan
Sources
- State Bank of Pakistan: Roshan Digital Accounts
- Allied Bank: Naya Pakistan Certificate
- Bank Alfalah: Naya Pakistan Certificates
Talk to The Invest Pakistan about Roshan Digital Account opening today. Message us on WhatsApp (+92 327 5025285) or use our contact page.