Bank AL Habib Roshan Digital Account Guide

Bank AL Habib's Roshan Digital Account is built for overseas Pakistanis, with its own eligibility rules, tax treatment, and account-opening process.

Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.

Last Verified: Sep 2, 2026
For Overseas Pakistanis
No Withholding Tax on Profit

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

If you're an overseas Pakistani, the Roshan Digital Account (RDA) framework — launched by the State Bank of Pakistan — lets you open and manage a Pakistani bank account entirely online, without visiting a branch. Bank AL Habib offers its own AL Habib Roshan Digital Account under this scheme, along with a full stack of RDA-linked products: financing, investment access, and remittance tools built specifically around it.

AL Habib Roshan Digital Account — At a Glance

Who's eligible

Non-Resident Pakistanis (NRPs), Foreign Nationals holding a Pakistan Origin Card (POC), Resident Pakistanis with declared assets abroad, and employees or officials of the Federal or Provincial Government posted abroad.

Account currencies

Choice of a Pak Rupee account or a Foreign Currency (FCY) account in USD, GBP, EUR, SAR, or AED.

Tax treatment

No withholding tax deducted on profit from RDA deposits, and no need to obtain a Federal Bureau of Revenue (FBR) exemption certificate; no withholding tax on cash withdrawals or account-to-account transfers by NRPs.

Multiple accounts allowed

A customer can open more than one RDA at a time.

Sourced from Bank AL Habib's official AL Habib RDA pages (bankalhabib.com and islamic.bankalhabib.com) — the government-officials-posted-abroad category is confirmed via the bank's own Islamic RDA FAQ and matches the eligibility categories SBP's own RDA framework and other RDA-offering banks list.

How to Open an AL Habib Roshan Digital Account

Step	What to Do
1. Basic information	Provide your basic details online to start the application
2. Verify email	Enter the OTP received on your email address, then complete account-opening information
3. Choose account type	Select a Pak Rupee account or an FCY account (USD, GBP, EUR, SAR, AED)
4. Upload documents	Submit the required scanned documents plus a live photo, including proof of NRP status (POC copy, visa entry/exit stamps, etc.) and proof of profession/income
5. Confirmation	Receive an emailed confirmation with a reference number within 2 working days

Customers can contact the bank's 24/7 Call Center at (+92 21) 111-014-014, or email the dedicated Roshan Digital Unit at RDA@bankalhabib.com, for RDA-specific queries.

RDA-Linked Products at Bank AL Habib

Roshan ApniCar

Auto financing for RDA holders to buy a vehicle for a spouse, parent, child, or sibling resident in Pakistan, who's added as co-borrower for registration purposes. Processing fee Rs 7,000 flat; late payment Rs 1,400 per installment; dishonored cheque Rs 1,000. Same free early-settlement and prepayment terms as standard ApniCar — try the ApniCar Calculator for the installment math (built for standard 30–35% down payment tiers; Roshan ApniCar's 15–45% range varies by vehicle variant, so treat the output as directional for this specific product).

Roshan Apna Ghar

Home financing for RDA holders. Processing fee Rs 4,000; early settlement free after the first year (1% charge if settled within the first year); late payment Rs 1,400 per installment; dishonored cheque Rs 1,000.

AL Habib Gateway to Equity Markets (GEM)

RDA customers can invest in the Pakistan stock market via the bank's own brokerage access point. Account opening: Rs 1,400 (individual). Brokerage commission is tiered by share price — 0.10% (shares under Rs 200), 0.075% (Rs 200–399.99), 0.05% (Rs 400+), each with its own minimum/maximum per-trade fee.

Government Securities & Term Deposits

RDA funds can be invested in fixed-term deposit accounts and permissible government securities per SBP guidelines.

Insurance/Takaful for auto finance

Multiple panel insurers (EFU, Jubilee, UBL Insurer, Adamjee, Habib Insurance) offer RDA-specific auto-finance protection add-ons, including accidental-death coverage up to PKR 2.5 million and, in some cases, medical or travel insurance.

Product terms sourced from Bank AL Habib's official RDA and Roshan Apni Car product pages; fees from its official Schedule of Bank Charges, effective July 1 – December 31, 2026 (Inst. Cir. #093) — Roshan-specific late payment and dishonored-cheque fees both rose from Rs 1,200 and Rs 850 in the prior period.

Roshan Digital Business Account — For Foreign Businesses

Beyond individual RDA holders, Bank AL Habib also offers a Roshan Digital Business Account, digital banking designed specifically to support foreign businesses operating in or with Pakistan. It requires no initial deposit or minimum balance, is available in both PKR and foreign currency, includes free e-statements and free internet banking, is fully repatriable, and gives access to a host of investment avenues.

Sourced from Bank AL Habib's official Roshan Digital Business Account promotional materials.

Ready to explore Bank AL Habib Roshan Digital Account Guide?

Verify current rates, terms, and eligibility directly with Bank AL Habib before applying — this page is independent, sourced, and kept current, but the bank's own site is the final word on live terms.

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