Meezan Bank Roshan Digital Account Guide
Meezan Bank handles roughly 29% of all Roshan Digital Account inflows industry-wide — more than any other participating bank — making it the default RDA choice for many overseas Pakistanis. It offers home financing, car financing, and Islamic Naya Pakistan Certificates built specifically around the RDA framework.
If you're an overseas Pakistani, Meezan is very likely already your default option whether you've researched it or not — the bank handles roughly 29% of all Roshan Digital Account inflows industry-wide, more than any other participating bank. That scale brings a fuller product set than most competitors: home financing, car financing, investment certificates, and remittance partnerships all built specifically around the RDA framework.
This page pulls together everything RDA-specific in one place — the account itself, the financing products layered on top of it, and the Islamic Naya Pakistan Certificates that let NRPs (and eligible residents) invest at published, Shariah-compliant rates.
RDA by the Numbers
$3.4 billion
Cumulative RDA inflows since inception, per Meezan's FY2025 results.
29% industry share
Meezan's share of total RDA inflows across all Pakistani banks — the largest single participant.
Meezan Roshan Resident Account
The bank's dedicated account product for overseas Pakistanis remitting and investing from abroad.
RDA Home Financing (Apna Ghar Program)
Eligible RDA customers can access Shariah-compliant home financing up to PKR 10 million, maximum 20-year tenure.
Meezan Roshan Apni Car
Car Ijarah for RDA holders — no processing charges, no upfront Takaful payment, WHT on vehicle purchase borne by the bank.
Meezan Easy Remit
Partnership with Tahweel Alrajhi/Alrajhi Bank (Saudi Arabia) letting senders credit remittances directly into a Meezan account or collect Cash-over-Counter at any branch.
RDA inflow figures from Meezan's official FY2025 results. Apna Ghar, Roshan Apni Car, and Easy Remit details are from Meezan's official promotional materials.
Investment Options for RDA Holders
Beyond the deposit account itself, Meezan's RDA is built as an investment gateway. Three options are confirmed directly from Meezan's official RDA materials (meezanbank.com/roshan-digital-account/):
PSX Share Trading
Meezan makes a "PSX Trading Guidelines" document available directly on its RDA page, confirming RDA holders can invest in Shariah-compliant shares on the Pakistan Stock Exchange through the account.
Term Deposits
A dedicated "Term Deposit Remittance Form" is listed alongside the RDA Schedule of Charges, confirming RDA funds can be placed into Meezan term deposit products.
Al Meezan Mutual Funds
Confirmed via Meezan's official Roshan Digital Account FAQ: any individual NRP (CNIC/NICOP), POC holder, or government employee posted abroad who already has a Meezan RDA can invest, directly from the RDA web page, with a minimum investment of PKR 5,000.
PSX and Term Deposit access confirmed via downloadable guides listed on Meezan's RDA page. Al Meezan Mutual Funds access confirmed via Meezan's official Roshan Digital Account FAQ document — this corrects an earlier version of this page, which could not verify mutual fund access at the time.
Which Account Do You Need?
Meezan Roshan Resident Account
A related but separate product from the RDA: the Meezan Roshan Resident Account is for Resident Pakistanis (not overseas Pakistanis) who have declared assets abroad on their latest tax returns. If you're resident in Pakistan with declared foreign assets, this — not the RDA — is the relevant account; confirm details directly with Meezan since this page focuses on the RDA itself.
How RDA Profit-Sharing Works
Meezan's RDA runs on Mudarabah for savings accounts and Qard for current accounts — the profit-sharing split between the bank (Mudarib) and the depositor (Rab-ul-Maal) varies by currency, confirmed directly from Meezan's official RDA page:
| Currency | Bank's Share (Mudarib) | Depositor's Share (Rab-ul-Maal) |
|---|---|---|
| PKR Savings Account | 50% | 50% |
| USD Savings Account | 75% | 25% |
| GBP Savings Account | 90% | 10% |
| EUR Savings Account | 90% | 10% |
Sourced directly from Meezan Bank's official RDA page (meezanbank.com/roshan-digital-account/). These are the profit-sharing ratios, not the profit rate itself — the actual rate paid depends on the bank's declared monthly profit rate applied to the depositor's share.
Islamic Naya Pakistan Certificates (INPC)
| Tenure | PKR | USD | GBP | EUR |
|---|---|---|---|---|
| 3 Months | 11.75% | 6.75% | 6.75% | 4.75% |
| 6 Months | 12.00% | 7.00% | 7.25% | 5.25% |
| 12 Months | 12.25% | 7.25% | 7.50% | 5.50% |
| 3 Years | 12.50% | 7.50% | 7.75% | 6.00% |
| 5 Years | 12.75% | 7.75% | 8.00% | 6.25% |
Rates for June 2026, from Meezan's official promotional materials. Non-Resident Pakistanis can invest in any currency; Resident Pakistanis need declared foreign assets in their latest tax return and can only invest in USD/GBP/Euro-denominated certificates.
Now Open to Foreign Nationals
RDA is no longer limited to Pakistani nationals — Non-Resident Foreign National Individuals and Entities can now open, maintain, and invest in Pakistan fully digitally through Meezan, with access to the same expected-return investment opportunities.
Roshan Apna Ghar — Terms
| Term | Detail |
|---|---|
| Program | Wazir-e-Azam Apna Ghar Program (Government of Pakistan) |
| Maximum tenure | 20 years |
| Financing amount | Up to PKR 10 million |
| Minimum contribution | 10% |
| Eligibility | RDA customers, applied for through Meezan Bank |
Other RDA-Linked Services
Bulk eIPO Subscription Payments
Meezan is the first bank in Pakistan to offer this with the Central Depository Company (CDC), letting RDA customers and brokerage houses handle eIPO subscription payments via the Meezan Corporate Portal.
Meezan Roshan Samaaji Khidmat
Lets Non-Resident Pakistanis donate to causes in Pakistan from anywhere, linked to their RDA. Supported organizations include Baitussalam Welfare Trust, Chhipa Welfare Association, Saylani Welfare, Childlife Foundation, Friends of Burns Centre, and others across education, health, and social welfare.
Meezan Easy Remit Takaful
A Shariah-compliant protection product for remittance customers — announced as "Coming Soon."
Sourced from Meezan Bank's official promotional materials.
RDA — Fees & Charges
| Service | Charge |
|---|---|
| Inward foreign remittance — via SWIFT | Free (correspondent bank charges may apply) |
| Inward foreign remittance — via international money transfer operators / exchange companies ("Free Send Model," RDA-PKR account) | SAR 20 (equivalent in PKR) |
| Outward foreign remittance | Free (correspondent bank charges may apply) |
| VISA Debit Card — Classic / Gold / Platinum | Free for first year (once funds are remitted into the PKR RDA account); annual fee applies from year two |
| MasterCard Titanium Debit Card | Free for first year, same condition |
| Cheque book issuance | Current Account: free; Savings Account: Rs. 25/leaf (excl. Premium Banking customers) |
| International courier charges | Rs. 6,000 |
| Roshan Apna Ghar | Upfront processing fee: Rs. 4,000 |
| Roshan Apni Car | Processing fee: free |
As disclosed in Meezan Bank's official Schedule of Service Charges, effective 1 July to 31 December 2026.
More on Meezan Bank
Bank Overview
History, leadership, ownership, and key facts.
Rates & Accounts
Profit rates and every account type.
Financial Results
FY2025 audited results and ratio analysis.
Digital Banking
App features and SMS banking.
Helpline & Complaints
Contact numbers and escalation path.
Fraud & Security
Real scam patterns to watch for.
Latest News
Recent announcements, partnerships, and launches.