Commercial Bank

NBP Roshan Digital Account

How overseas Pakistanis can open a multi-currency, fully repatriable account with NBP remotely.

• No Branch Visit
• Multi-Currency
• Fully Repatriable

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Last updated: August 6, 2026

The Roshan Digital Account (the account) is a State Bank of Pakistan initiative that NBP participates in directly, giving overseas Pakistanis a way to bank in Pakistan without ever visiting a branch. This page covers how NBP's specific version of RDA works.

NBP the account at a Glance

Eligible: NRPs

Yes

Eligible: Residents w/ Declared Assets

Yes

Currencies

PKR, USD, GBP, EUR, SAR, AED

Branch Visit Required

No

Eligibility and currency details confirmed from NBP's official Roshan Digital Account portal (rda.nbp.com.pk).

What RDA Actually Is

the account is a nationwide initiative spearheaded by the State Bank of Pakistan, not an NBP-exclusive product — several major Pakistani banks including NBP, HBL, UBL, and MCB offer it. What differs bank to bank is the account-opening experience and the specific investment products layered on top. NBP's version, run through its dedicated rda.nbp.com.pk portal, lets Non-Resident Pakistanis and resident Pakistanis with FBR-declared foreign assets open an account fully online.

Funds held in an RDA are fully repatriable — there's no limit on inflow or outflow — and account holders can use their account balance to invest in Pakistan's stock market or purchase Pakistani government securities directly from the account, without a separate brokerage relationship.

RDA program structure confirmed from the State Bank of Pakistan's official RDA program description and NBP's own RDA portal.

Can I Open an Account If I Already Bank with NBP?

Yes. Having an existing NBP account doesn't disqualify you from also opening another account — per NBP's own RDA FAQ, you can maintain both simultaneously, and can even open your account in multiple currencies if you want separate PKR and foreign-currency balances.

Good For

• Overseas Pakistanis who want to bank, save, or invest without visiting Pakistan
• Resident Pakistanis with FBR-declared assets abroad
• Anyone wanting repatriable, multi-currency holdings inside the Pakistani banking system
• Investing directly in PSX-listed shares or government securities from abroad

What You Can Actually Invest In Through an NBP RDA

An the account isn't just a holding account — its main appeal is the investment access it unlocks. Through NBP's RDA, confirmed account holders can invest in Naya Pakistan Certificates (NPCs), sovereign fixed-return instruments issued by the Government of Pakistan, available in both conventional and Islamic structures and offered in PKR, USD, GBP, and EUR. NBP's RDA also gives PKR account holders a route into PSX-listed shares through a CDC investor account, and into NBP Funds' own mutual fund range once the RDA is active.

Several other banks bundle additional SBP-wide RDA add-ons onto their own offering — schemes like Roshan Apni Car (auto financing), Roshan Equity Investment, Roshan Samaaji Khidmat (donations), and the Roshan Pension Plan are available through some participating banks. NBP's own RDA portal did not list these as active NBP offerings at the time of writing, so if you're specifically after one of these add-ons, confirm current availability directly with NBP before assuming it's included — don't rely on what's offered elsewhere in the RDA scheme.

Naya Pakistan Details confirmed from NBP's official portal (rda.nbp.com.pk). Bank-by-bank availability of Roshan Apni Car, Roshan Equity Investment, Roshan Samaaji Khidmat, and Roshan Pension Plan confirmed for other participating banks (Alfalah, HBL, MCB, Meezan, Faysal, Bank AL Habib, BOP) via their official pages — not confirmed as currently offered through NBP specifically.

RDA vs. a Standard NBP Account

The key structural difference is funding source and repatriability. A standard NBP account funded from inside Pakistan doesn't carry the same automatic repatriation guarantee an RDA does. Those funds originate from abroad, so they can move back out of Pakistan without the extensive approval process that applies to other account types. That's the feature that makes the account attractive for overseas Pakistanis who want flexibility, not a one-way, permanent transfer of savings into the country.

RDA was launched as a State Bank of Pakistan initiative, not an NBP-exclusive product, so the underlying rules — eligibility, repatriability, permitted investment types — are largely standardized across every participating bank. What NBP specifically brings to the table: its own digital onboarding flow, customer support through the same NBP Helpline used for every account, and integration with NBP's broader banking and investment ecosystem, including NBP Funds for mutual fund investment once your account is active.

Documents You'll Typically Need

RDA opening happens fully online, so the document list leans on scanned or photographed originals: a valid CNIC or NICOP for the applicant, proof of overseas residency or work status where applicable, and the standard KYC details any Pakistani bank account opening needs. The account gets opened remotely, without in-person branch verification, so expect a video-KYC or equivalent identity check as part of the process. Every bank offering the account does this — it's not specific to NBP.

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, National Bank of Pakistan.