Standard Chartered Roshan Digital Account — NRP Guide
Remote banking and investment access for overseas Pakistanis, conventional or Saadiq.
- For Non-Resident Pakistanis
- Conventional & Saadiq
- Roshan Apna Ghar
The Standard Chartered Roshan Digital Account lets non-resident Pakistanis open a Pakistani bank account remotely and invest in property, government securities like the Naya Pakistan Certificate, and home financing through Roshan Apna Ghar — without visiting a branch.
The Roshan Digital Account (RDA) is State Bank of Pakistan's initiative letting overseas Pakistanis bank and invest at home without a branch visit, and Standard Chartered runs both a conventional and a Saadiq (Shariah-compliant) version of it. This page covers what SCB's RDA specifically offers.
What You Can Do With an SCB RDA
Remote Account Opening
Open a Pakistani bank account fully online from abroad, without visiting a branch.
Naya Pakistan Certificate
Invest in government certificates designed specifically for RDA clients.
Roshan Apna Ghar
A Shariah-compliant home financing solution built for RDA/NRP clients buying property in Pakistan.
Saadiq Roshan Digital Savings Account
A Mudarabah-based Islamic savings account variant of the RDA.
RDA product features confirmed from Standard Chartered Pakistan's official Roshan Digital Account pages.
Who Qualifies
SCB's Roshan Digital Account eligibility is set at the programme level, per SCB's official application criteria:
- Individual Non-Resident Pakistani Nationals (NRPs) holding a CNIC, SNIC, or NICOP
- Foreign Nationals holding a Pakistan Origin Card (POC)
- Members of the Overseas Pakistanis Foundation
- Employees or officials of the Federal Government or a Provincial Government posted abroad
Accounts can be opened singly or jointly. A joint account can only be opened between family members — parent, sibling, spouse, or children — where at least one joint account holder must fall under one of the four categories above.
Documents You'll Need
| Document | Detail |
|---|---|
| Identity document | Original scanned copy of valid CNIC, SNIC, NICOP, or POC — both front and back |
| Passport | Original scanned copy of the first 2 pages |
| Proof of NRP status | POC, visa, or entry/exit stamps |
| Proof of profession & income source | Job certificate, tax return, rent agreement, or recent salary slips (not older than 3 months) |
| Signature | Scanned signature matching your identity document, on white paper |
| Live photo | Digital selfie via webcam or mobile |
| OPF membership card | First 2 pages — required for NRPs, OPF members, and government employees posted abroad |
Eligibility criteria and document checklist confirmed from Standard Chartered Pakistan's official RDA application flow. Last verified: August 23, 2026.
Product Features
- Current or Savings account offered in USD, GBP, EUR, JPY, CNY, and PKR denominations
- Operable singly or jointly
- Full repatriation and convertibility
- Offered in both Conventional and Islamic (Saadiq) variants
- Allows investment in Government of Pakistan securities, currently and as further permitted by the regulator
Conventional vs. Saadiq RDA
Customers choose between a conventional Roshan Digital Account and the Saadiq Roshan Digital Savings Account, which operates on Mudarabah principles for those who want a Shariah-compliant structure. Both give access to the same underlying RDA investment options — including equities, mutual funds, and government debt instruments — through the same digital onboarding process.
Conventional or Saadiq — Which One's For You?
What's Actually Free for RDA Holders
Per SCB's official Schedule of Charges, Roshan Digital Account holders get several services waived entirely: debit card issuance, cheque book issuance, duplicate statements of account, and bank certificates all come free of charge, and Straight2Bank access is free for SME banking RDA clients. On the transaction side, inward remittances routed through an intermediary bank into an NRP Rupee Value Account (NRVA) carry a fee of up to the PKR equivalent of SAR 20 per transaction — worth knowing before you route a large remittance that way.
Fee waivers confirmed from Standard Chartered Pakistan's official Saadiq Schedule of Charges, 1 July – 31 December 2026.
Good For
- Understanding what SCB's Roshan Digital Account actually lets you invest in
- Choosing between the conventional and Saadiq RDA variants
- Learning how Roshan Apna Ghar connects RDA to home financing
- Confirming eligibility as a non-resident or dual-national Pakistani
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
Similar Banks
HBL
Pakistan's largest bank by branches
SCB Bank Profile
One-page quick reference
UBL
Major conventional peer bank
More on Standard Chartered Pakistan
Bank Overview
History, leadership, ownership, and key facts.
Accounts & Rates
Deposit accounts and Bonus Saver rates.
Share Price & Results
PSX listing and CY2025 fundamentals.
SC Mobile App
Mobile and internet banking features.
Branch & ATM Locator
Network size and official locator.
Cards & Discounts
Credit/debit cards and active offers.
Careers
Where SC actually posts Pakistan jobs.
Car Financing
Conventional Auto Financing and Saadiq Auto Finance rates.
Home Financing
Saadiq Home Finance markup rates.
Helpline & Complaints
Contact numbers and escalation path.
SWIFT & IBAN
Head-office SWIFT code and IBAN format.
Good Life / CSR
Sustainability and community programmes.
Cyber Security
Which numbers are genuine and how to report fraud.
Bank Profile (Quick Reference)
One-page snapshot of key stats and contacts.
ATM Network
1LINK access, charges, and card issues.
Bank Timings
Standard hours and Saturday branches.
Personal Loan & EMI Calculator
Personal Finance rates and a free calculator.
Priority Banking & Mutual Funds
Wealth tier and third-party fund access.
Latest News & Updates
SCB Pakistan announcements, partnerships, and leadership changes.
Raast & IBFT Transfers
Registration steps, fees, and daily limits.
Lost or Stolen Card
The number to call and how blocking & replacement work.
SME & Business Banking
Business accounts, Straight2Bank, working capital, and trade finance.
Dormant Account & Closure
When dormancy kicks in and how to reactivate an account.
Auto Finance Calculator
Compare Conventional vs Saadiq instalments and early-exit costs.
For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Standard Chartered Pakistan (official).