Bank Alfalah Roshan Digital Account (RDA) Guide
Part of PakFinHub's Bank Alfalah coverage — see the full bank overview.
- For Overseas Pakistanis
- No Remittance Charges
Quick answer: Bank Alfalah's Roshan Digital Account (RDA) lets Non-Resident Pakistanis and POC holders open a Pakistani PKR or foreign-currency account fully online, without visiting a branch. Use the calculator below to estimate your Naya Pakistan Certificate return by currency, amount, and tenor.
Bank Alfalah Roshan Digital Account (RDA) is one of the participating products in Pakistan's Roshan Digital Account initiative — a State Bank of Pakistan program, launched in September 2020, that lets Non-Resident Pakistanis (NRPs) and Pakistan Origin Card (POC) holders open and operate a Pakistani bank account fully online, from anywhere in the world, without visiting a branch, embassy, or consulate.
This page pulls together everything RDA-specific for Bank Alfalah in one place: the account types, the financing products layered on top, and the investment options available once your account is open. Further down is a calculator that does something no bank's own RDA page or aggregator site currently does: actually work out what a Naya Pakistan Certificate pays out, after the 10% withholding tax.
Naya Pakistan Certificate Return Calculator
Every bank's RDA page and every RDA aggregator site shows the same static rate table. None of them actually calculate what you'll receive. This does — currency, tenor, and the flat 10% withholding tax, all worked out for your specific investment.
Your Investment
Estimated Return
No personal or financial account information is required. This tool runs entirely in your browser.
Rate Data & Sources
Naya Pakistan Certificate profit rates by currency and tenor are sourced from the State Bank of Pakistan's official NPC documentation and cross-checked against participating banks' published rate sheets, effective from issuances on or after 1 June 2026 (USD/GBP/EUR rates effective 27 March 2026). Rates are set by the Government of Pakistan / SBP and apply uniformly across all RDA-participating banks, including Bank Alfalah — they are not bank-specific.
The 10% withholding tax is flat and final on NPC profit, per SBP's NPC framework, with no distinction between filers and non-filers. This calculator assumes the certificate is held to full maturity — early encashment (allowed after the first month) is remunerated differently, generally at the rate of the nearest completed shorter tenor, and is not modelled here. For 3-year and 5-year certificates, profit is paid semi-annually rather than at maturity; the total shown is the sum of all after-tax payments plus principal returned at the end.
Last verified: September 7, 2026. NPC rates are revised periodically by SBP — always confirm the current rate sheet in the Alfa app or with Bank Alfalah before investing.
Independent estimate — not an official Bank Alfalah or SBP calculator, and not investment advice. For a confirmed, current rate, check the Alfa app or Bank Alfalah's official Naya Pakistan Certificates page. PakFinHub is not affiliated with Bank Alfalah.
Bank Alfalah Roshan Digital Account Types
RDA PKR Current / Savings Account
For NRPs and eligible foreign nationals to save, earn profit, and invest in Pakistan in rupees, with special discounted SWIFT code ALFHPKKARDA to reduce inbound remittance costs.
RDA FCY Current / Savings Account
Bank, invest, and grow in foreign currency (USD/GBP/EUR) without needing to convert to PKR immediately.
RDA Asaan Current / Savings Account (Islamic)
Minimal-documentation account for NRPs, with all standard RDA Islamic account features plus a simplified onboarding process; foreign inward remittances are capped at USD 5,000/month equivalent.
No Bank Alfalah remittance charges
Bank Alfalah states it applies no charges on incoming remittances into RDA accounts, though the sending/remitter bank's own charges may still apply.
Bank Alfalah RDA — Actual Fees (July-December 2026)
| Charge | PKR RDA | FCY RDA |
|---|---|---|
| Account Opening | Free | Free |
| Account Maintenance / Minimum Balance | Free | Free |
| Visa Gold Debit Card — Issuance/Annual Fee | PKR 5,500 | Not applicable |
| Visa Signature Debit Card — Issuance/Annual Fee | PKR 23,000 | Not applicable |
| Debit Card Replacement Fee | PKR 3,000 (Gold) / PKR 5,500 (Signature) | Not applicable |
| Debit Card Delivery Fee | Flat PKR 10,000 | Not applicable |
| Cheque Book Delivery Fee | Flat PKR 10,000 | Flat PKR 10,000 |
| Inward Remittance (from abroad) | Free (correspondent bank charges $30-50 may apply, by slab) | Free (correspondent bank charges $30-50 may apply, by slab) |
| Outward Remittance (from Pakistan) | Free (correspondent bank charges $30-50 may apply, by slab) | Free (correspondent bank charges $30-50 may apply, by slab) |
RDA-Linked Financing Products
| Product | Detail |
|---|---|
| Roshan Apna Ghar | Home-financing access for RDA holders wanting to own real estate in Pakistan, built on Bank Alfalah's Islamic home-finance structure. |
| Roshan Apni Car (via RDA) | Locally manufactured brand-new vehicle financing available to eligible RDA account holders, under Bank Alfalah's Auto Loan product line. Confirmed as an official Bank Alfalah product name directly in the bank's own Schedule of Bank Charges (July-December 2026), which explicitly lists "Roshan Apni Car" alongside the standard Auto Loan and Instant Auto Loan as product variants the same fee schedule applies to. |
| Investment access | RDA holders can invest directly in Naya Pakistan Certificates, Roshan Equity (the Pakistan Stock Exchange), and Alfa Digital Term Deposits, all through the account. |
Who Can Open an RDA — Eligibility Basics
Eligible applicants include Non-Resident Pakistanis, Pakistan Origin Card (POC) holders, and — under SBP's broader RDA framework — non-resident foreign nationals and eligible entities. Resident Pakistanis can only open a Foreign Currency RDA through a branch, and only if they've declared assets held abroad in their latest wealth statement filed with the FBR. Eligible applicant categories include the employed, self-employed, unemployed, housewives/homemakers, students, children, and pensioners, per the State Bank of Pakistan's own RDA eligibility criteria.
Eligibility criteria per the State Bank of Pakistan's official RDA program page (sbp.org.pk/rda) and Bank Alfalah's Islamic RDA FAQ.Processing times vary by case complexity and document completeness — submitting clear, complete scans upfront is the single biggest factor in a fast turnaround.
Documents You'll Need
Typical requirements include a scanned CNIC/NICOP/SNIC/POC and passport (with entry/exit stamp pages for NRPs), proof of Non-Resident status (residence permit, valid Iqama, valid visa, or another nationality's passport), and proof of profession/source of income or funds (salary slip, salary certificate, tax return, rental agreement, or an income letter for the self-employed).
One more practical note: keep copies of everything you submit, since follow-up queries from the compliance team are common for first-time international applicants and having your documents on hand speeds up any clarification request.
How to Open a Bank Alfalah RDA — Step by Step
| Step | What Happens |
|---|---|
| 1. Apply online | Submit your application through the Roshan Digital Account portal or Bank Alfalah's own onboarding channel, entirely from abroad |
| 2. Upload documents | Scanned CNIC/NICOP/POC, passport, and proof of non-resident status and income |
| 3. Verification | Bank Alfalah verifies your submitted documents and may request additional clarification |
| 4. Account activation | Once approved, your RDA is activated and you can start remitting, investing, and applying for RDA-linked financing |
Ready to bank with Bank Alfalah?
Compare rates and accounts, or head straight to Bank Alfalah's official site to open an account or apply.