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

Official Sources & Last Verified

Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: September 12, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth.

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