Overseas Pakistanis

Askari Bank Roshan Digital Account

How overseas Pakistanis can open and use an Askari Roshan Digital Account entirely online.

• Conventional & Islamic
• PKR, USD, GBP, EUR

Last verified September 8, 2026 against Askari Bank's official website

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Askari Bank Roshan Digital Account is the bank's participation in SBP's nationwide RDA initiative, letting non-resident Pakistanis open and fund a Pakistani bank account entirely online. This guide covers how the Askari Bank Roshan Digital Account actually works, from eligibility to what you can invest in.

Askari Roshan Digital Account is available in both Conventional and Islamic modes, and in PKR or foreign currency (currently USD, GBP, EUR), giving overseas Pakistanis flexibility in how they hold and move money back home.

Eligibility

What You Can Do With It

Minimum Deposit

None required

Currencies

PKR, USD, GBP, EUR

Account Opening Time

Within 48 hours of verification

Investment Access

Naya Pakistan Certificates, PSX

Debit Card

Free issuance for RDA holders

Zakat/Donations

Roshan Samajhi Khidmat (digital giving)

Confirmed from Askari Bank's official Roshan Digital Account onboarding portal and FAQs.

Roshan Digital Account Charges (Official Schedule)

Exact figures from Askari Bank's official Schedule of Bank Charges, effective July 01, 2026 — the same structure applies to both conventional Roshan Digital Accounts and Islamic Roshan Digital Accounts:

Source: Askari Bank Schedule of Bank Charges (Conventional) and Ikhlas Islamic Banking Schedule of Bank Charges, both effective July 01, 2026 — Roshan Digital Account sections. Debit card annual fees follow the standard tier pricing shown on the Cards & Discounts page.

FCY to PKR Conversion Cost Calculator

Required Documents

Applicants need scanned copies of their Pakistani passport (first two pages), proof of NRP status (POC, visa, or entry/exit stamps), and proof of profession or source of income such as a job certificate, tax return, or salary slips. Applications can be completed across multiple sessions, so you're not required to gather everything in one sitting.

A Note on Local Deposits

Local (domestic) deposits are not permitted into an Askari Roshan Digital Account — only profit from permitted investments can flow into it, per SBP's rules for the scheme. This is a structural feature of the RDA program across all participating banks, not something specific or restrictive to Askari Bank.

How the Application Actually Works

The process starts with an online application through the Roshan Digital Account portal, where applicants upload the required documents and complete identity verification remotely — no branch visit or travel to Pakistan is required at any stage. Once verified, the account is typically activated within 48 hours, after which funds can be remitted from abroad to activate it.

A common question is what happens if part of the application is incomplete. The portal allows applicants to save progress and return later, so gathering every document in one sitting isn't strictly necessary — though completing the process sooner generally means faster access to the account and any linked investment options.

Once active, funds can be transferred out of Pakistan again subject to standard regulatory limits, and Naya Pakistan Certificate investments carry their own separate maturity and early-encashment terms, which are worth reviewing directly on the State Bank's NPC page before committing funds.

A practical tip for first-time applicants: having clear, well-lit scans of every required document ready before starting the online form significantly reduces back-and-forth verification delays, since blurry or partial scans are one of the most common reasons an RDA application gets held up.

Some applicants also ask whether an existing Askari Bank customer who later moves abroad can convert an existing account into an RDA rather than opening a new one. Generally, RDA is treated as a distinct account type opened through its dedicated onboarding channel, so confirming the correct process directly with Askari Bank avoids assuming an automatic conversion is possible.

A related question from families is whether a minor child living abroad can hold an RDA. Generally, RDA eligibility follows the same NRP documentation requirements regardless of age, though a parent or guardian typically needs to be involved in the account-opening and verification process for a dependent.

Good For

• Overseas Pakistanis wanting a home-country bank account without traveling
• Investing remotely in Naya Pakistan Certificates or PSX
• Understanding conventional vs. Islamic RDA options
• Knowing exactly what documents you'll need before starting

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Governed under State Bank of Pakistan's Roshan Digital Account framework.

Frequently Asked Questions