Islamic Commercial Bank

Dubai Islamic Bank Roshan Digital Account

Part of PakFinHub's DIB coverage — for overseas Pakistanis.

• Fully Remote Account Opening
• Roshan Apna Ghar & Apni Car

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

Dubai Islamic Bank Roshan Digital Account is DIB's participation in the State Bank of Pakistan's nationwide RDA scheme — a way for Non-Resident Pakistanis (NRPs) to open and operate a Pakistani bank account fully remotely, without visiting a branch. What DIB specifically offers under the scheme follows.

Who Can Open a DIB Roshan Digital Account

Roshan Digital Account is available to Non-Resident Pakistanis, including overseas Pakistani citizens, holders of a POC (Pakistan Origin Card) or NICOP (National Identity Card for Overseas Pakistanis), and Pakistani professionals working abroad. The account can be opened entirely online from outside Pakistan, avoiding the branch visit a standard account normally requires.

DIB's Roshan Product Lineup

Product lineup confirmed from DIBPL's official Roshan Digital Account, Roshan Apna Ghar, and Roshan Apni Car pages (dibpak.com).

Roshan Apna Ghar — How Property Financing Works

DIB requires the property being purchased or financed to be valuated by at least two PBA (Pakistan Banks' Association)-approved valuation companies, with a legal title check completed before any transaction proceeds. Home Renovation financing under RDA is capped at up to 30% of the property's assessed value. The co-applicant for a house finance facility must be an immediate family member — spouse, parent, adult sibling, or child.

Valuation and co-applicant requirements confirmed from DIBPL's official Roshan Apna Ghar page.

Roshan Apni Car — Documents Needed

• A financing request specifying make, model, financing amount, tenure, and color
• Beneficiary details — name, CNIC, relationship to the RDA holder, address, and contact number
• Latest six months' bank statement
• Proof of remittance into the RDA or another account funding the transaction

Document checklist confirmed from DIBPL's official Roshan Apni Car page.

Roshan Digital Account Charges

DIB waives most standard banking charges for RDA holders under its official Schedule of Charges — a meaningful difference from a regular DIB account, where cheque books, RTGS, and outward remittances carry the usual fees.

Source: DIB Schedule of Charges, July–December 2026.

RDA-Specific Details Worth Knowing

• DIB Pakistan states it is the only Global Islamic Bank offering Roshan Digital Account services, per its own official RDA page
• RDA transfers use a dedicated SWIFT code, DUIBPKKARDA, distinct from DIB's general SWIFT code — use this one specifically for RDA-related wire transfers
• The DIB Digital App also supports Roshan Samaji Khidmat, a donation feature letting overseas Pakistanis contribute to charitable causes directly through the app
• Pay orders can be collected by a nominated person without an Authority Letter, at any DIB branch in Pakistan

Confirmed from DIBPL's official Roshan Digital Account page (dibpak.com).

Dubai Islamic Bank Roshan Digital Account FAQs

Good For

• Overseas Pakistanis opening a Pakistani bank account without visiting a branch
• Understanding Roshan Apna Ghar's property valuation requirements
• Financing a car for family in Pakistan through Roshan Apni Car
• Comparing DIB's RDA products against other participating banks

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Why RDA Charges Are Waived When Regular Accounts Aren't

The blanket fee waiver on RDA (free cheque books, free RTGS, free outward remittance, free pay orders) isn't DIB being generous for its own sake — RDA is a State Bank of Pakistan initiative specifically designed to pull overseas Pakistani remittances into the formal banking system rather than informal channels, and fee waivers are one of the core incentives SBP built into the scheme nationwide, not a DIB-specific promotional offer. That distinction matters if you're comparing RDA against a regular DIB account as an overseas Pakistani: the waivers you'd get are largely standardized across RDA-participating banks by design, so the real differentiators between banks lie elsewhere — in DIB's case, the Roshan Apna Ghar and Roshan Apni Car product structures, and claiming to be the only Global Islamic Bank offering RDA services specifically.

The SWIFT Code Detail That Trips People Up

Because DIB uses a dedicated RDA-specific SWIFT code (DUIBPKKARDA) rather than its general one (DUIBPKKAXXX — see our SWIFT Code page), a remitter sending funds to an RDA account using the wrong code risks a delayed or bounced transfer, even though both codes route to the same bank. If you're an NRP sending your own funds into your DIB RDA account from abroad, double-checking which code your RDA confirmation documentation actually specifies — rather than assuming the bank's general SWIFT code works interchangeably — can save a transfer from getting stuck in correction.

Official Sources & Last Verified

Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: October 31, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth. Every DIB fee table is collected on the Schedule of Charges page.

More on Dubai Islamic Bank

For independent verification, see State Bank of Pakistan, SECP, SBP Roshan Digital Account portal.