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Roshan Digital Business Account (RDBA)

    • HABIBMETRO proudly presents Roshan Digital Business account, a State Bank of Pakistan initiative to provide Foreign Entities either Non Resident Pakistani/Foreigner a convenient solution to remit and invest funds into Pakistan

What is Roshan Digital Business Account?

Roshan Digital Business Account enables eligible non-resident entities to remotely open and operate business accounts in Pakistan, facilitating investment, remittances, payments, and business transactions through digital channels. The offering comprises:

  • Non-resident Rupee Business Value Account (NRBVA)
  • Foreign Currency Business Value Account (FCBVA)

Who Can Open the Account?

Eligible non-resident juridical persons including:

  • Companies
  • Associations
  • Foundations
  • Limited Liability Partnerships (LLPs)
  • Societies
  • Trusts
  • Waqfs
  • Other similar legal arrangements

Not Eligible:

  • Sole Proprietorships
  • Unregistered Partnerships

Roshan Digital Business Account Benefits:

Key Features

Digital Banking

  • Account opening through digital channels (subject to bank process)
  • Corporate Internet Banking
  • Cheque book facility (if required)
  • Digital account operation by authorized operators

Currency Options

NRBVA

  • Pakistani Rupees (PKR)

FCBVA

  • Foreign Currency (FCY): USD, GBP, EURO, SAR, AED

Real-Time Conversion

  • Online conversion between NRBVA and FCBVA (where applicable)
  • Transparent exchange rate disclosure to customers

 

Permissible Credits

NRBVA

  • Inward remittances from abroad
  • Transfers from own FCBVA
  • Investment profits and proceeds
  • Reversal of erroneous debits

FCBVA

  • Inward remittances from abroad
  • Transfers from own NRBVA
  • Investment income and maturity proceeds
  • Reversal of erroneous debits

Permissible Investments

Customers may invest in:

Through NRBVA

  • Government Securities (T-Bills, PIBs, Sukuk)
  • Listed Shares
  • Mutual Funds
  • Private Funds
  • Unlisted Company Shares
  • Bank Deposits/Term Products

Through FCBVA

  • FCY-denominated Government Securities
  • FCY Deposits/Remunerative Products with the same bank

 

Permissible Debits

  • Local payments within Pakistan
  • Transfers to own linked value accounts
  • Transfers to other FCY/PKR accounts
  • Foreign remittances up to available account balance
  • Eligible investments as permitted under regulations

 

Key Customer Benefits

 

  • Fully compliant banking channel for overseas businesses
  • No Minimum Balance
  • Remote banking convenience
  • Repatriation of funds subject to applicable regulations
  • Digital access and account management
  • Can Remit funds into this account through foreign inward remittance via authorized banking channels Available for Conventional and Islamic
  • Invest in Government Securities such as Naya Pakistan Certificates, HABIBMETRO’s Term Deposit Accounts & Pakistan Stock Market
  • Issuance of Cheque Book
  • Free Pay Order
  • Free E-Statements
  • Web Banking Access – Corporate Internet Banking
  • Free SMS Alerts for Digital Transaction
  • 24/7 RDA Support

Note: For Cheque book activation contact our 24/7 helpline.

  • RDBA Customers can register themselves on the HABIBMETRO Corporate Internet banking Service.

Account Opening Requirements

Customers should provide:

Entity Documents

  • Certificate of Incorporation/Registration
  • Constitutional documents (Memorandum & Articles, Trust Deed, LLP Agreement, etc.)
  • Tax registration documents (where applicable)
  • Proof of business address

Authorized Signatories

  • Board Resolution/Authority Letter for account opening
  • CNIC/NICOP/Passport copies of authorized operators
  • Specimen signatures and KYC information

Compliance Requirements

  • Beneficial Ownership information
  • FATCA/CRS declarations (where applicable)
  • Source of funds/business profile documentation
  • Any additional documents required under bank’s AML/CFT policy

Note: Final documentation requirements remain subject to the bank’s internal onboarding and regulatory requirements.

 

Documents Attestation. 

Hague Convention Countries: Documents originating from member states of the Hague Convention must be certified via an Apostille by the designated competent authority of that country.

Non-Hague Convention Countries: Documents originating from non-member states must be legalized (consularized) by the embassy, consulate, or high commission of the destination country located within the country of origin.

Notarization: Where applicable, copies of original documents must be formally certified as true and exact copies by a licensed Notary Public prior to undergoing the relevant Apostille or legalization process.

Naya Pakistan Certificates

Roshan Digital Business Account (RDBA), an SBP (State Bank of Pakistan) initiative for overseas Pakistanis provides these individuals a platform to invest in Pakistan’s future by investing in Naya Pakistan Certificates (NPCs).

These certificates are sovereign government securities that generate high rate of returns for RDBA customers that have various tenors ranging from 3-Months to 5-Years available in USD, GBP, EURO, SAR, AED & PKR currencies.

The Certificates shall be subscribed by eligible individuals (as defined in Rule 3 of NPC Rules, 2026) through Foreign Currency Business Value Account (FCBVA) or NRP Rupee Business Value Account (NRBVA), being marketed as Roshan Digital Business Accounts (RDBAs) by HABIBMETRO who include:

  • Non-Resident Pakistani having National Identity Card.
  • Foreigners having Pakistan Origin Card
  • Non-Resident Foreign Individual having Passport/ID Document

Key Features

  • Available in PKR, Euro, GBP, USD, SAR & AED currencies. Pak Rupee RDA customers can invest in PKR denominated certificates and Foreign Currency RDA customers can invest in USD, Euro,GBP, SAR & AED denominated certificates
  • Tenors available are 3-month, 6-month, 12-month, 3 Year and 5 Year
  • USD, Euro, GBP, SAR & AED denominated NPCs minimum investment of 1,000 with integral multiples of 500 in their respective currencies
  • PKR denominated NPCs Minimum investment of PKR 10,000 with integral multiples of PKR 1,000
  • Early encashment option available
  • No Zakat Deduction

The following rates are available against NPCs before deduction of tax:

Tenor USD Certificate PKR Certificate GBP Certificate Euro Certificate SAR Certificate AED Certificate
3-Month 6.75% p.a 11.75% p.a 6.75% p.a 4.75% p.a 6.50% p.a 6.50% p.a
6-Month 7.00% p.a 12.00% p.a 7.25% p.a 5.25% p.a 6.75% p.a 6.75% p.a
12-Month 7.25% p.a 12.25% p.a 7.50% p.a 5.50% p.a 7.00% p.a 7.00% p.a
3-Year 7.50% p.a 12.25% p.a 7.75% p.a 6.00% p.a 7.25% p.a 7.25% p.a
5-Year 7.75% p.a 12.75% p.a 8.00% p.a 6.25% p.a 7.50% p.a 7.50% p.a

In case you have any further queries, you can:

  •  Check our FAQs
  •  Call our 24/7 helpline at (+9221) 111-142-242
  •  Mail us at rdasupport@habibmetro.com
  •  Chat with us by using our live WhatsApp service at (+923093141414).

If you require further information or wish to provide any feedback or queries on Roshan Digital Account, you may also visit State Bank of Pakistan’s website at http://www.sbp.org.pk/RDA/index.html or email at RDAsupport@sbp.org.pk

Apply Now

FAQs

What is HABIBMETRO Roshan Digital Business Account?

Roshan Digital Business Account is an initiative of the State Bank of Pakistan, in collaboration with commercial banks operating in Pakistan. These accounts provide innovative banking solutions for millions of Overseas Entities seeking to undertake banking payment, and investment activities in Pakistan.

Who is eligible for Roshan Digital Business Account?

All overseas Entities.

How do I apply for Roshan Digital Business Account for overseas Entities?

Roshan Digital Business Account opening facility is available on HABIBMETRO online portal.

Can I invest through Roshan Digital Business Account?

Yes, you can, in financial securities such as the Naya Pakistan Certificate (NPC). In addition, you can also invest your funds in a fixed-term deposit account of HABIBMETRO Bank.

How can I perform transactions as a HABIBMETRO’s Roshan Digital Business Account Holder?

HABIBMETRO’s Roshan Digital Business Account holders can perform transaction via Cheque book and Corporate Internet Banking.

Which bank is best for Roshan Digital Business Account?

HABIBMETRO’s Roshan Digital Account is one of the best in the industry.

A current account does not provide profit on your funds, while a savings account provides profit on your funds/savings.

Note: Service charges applicable as per SOC in case monthly average balance falls below Rs. 10,000.
All other services will be charged as per prevailing SOC.

Terms & Conditions Apply:

Can my overseas company open an account remotely?
Yes, eligible non-resident entities may open and operate Roshan Digital Business Accounts subject to regulatory and bank onboarding requirements.

Can I send money abroad from the account?
Yes, remittances abroad can be made up to the available balance without prior approval from SBP, subject to applicable regulations.

Can the account be used for investments?
Yes, NRBVA and FCBVA holders may make eligible investments as permitted under SBP regulations.

How To Apply

Click on “Apply Now” and follow the simple steps to open an Islamic or conventional, current or savings account in either USD, GBP, EURO. SAR, AED or PKR currency.

To get more details, call our 24/7 customer care center ar 111-1-HABB (42242) or email us at rdasupport@habibmetro.com

In case you have any further queries, you can:

  •  Check our FAQs
  •  Call our 24/7 helpline at (+9221) 111-142-242
  •  Mail us at rdasupport@habibmetro.com
  •  Chat with us by using our live WhatsApp service at (+923093141414).

If you require further information or wish to provide any feedback or queries on Roshan Digital Account, you may also visit State Bank of Pakistan’s website at http://www.sbp.org.pk/RDA/index.html or email at RDAsupport@sbp.org.pk

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