• Roshan Digital 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 Non-Resident Pakistanis (NRPs) seeking to undertake banking, payment and investment activities in Pakistan.

  • A Repatriable account enables you to transfer your funds from Pakistan to your country of residence / to your country of origin from the account, which was originally transferred to the RDA.

  • You can repatriate your funds by initiating a request through by filling out the request form online or send the request to the RDA email (

  • A customer is eligible to open an account under this product if he/she is any of the following:

    • A Non-Resident Individual Pakistani
    • A Resident Individual Pakistani who has duly declared assets held abroad, as per wealth statement declared in the latest tax return with Federal Board of Revenue (FBR)
  • Only PKR for NRP Rupee Value Account (NRVA) and USD, GBP & EUR for Foreign Currency Value Account (FCVA) are available for the opening and operation of RDA.

  • Yes, Resident Pakistanis are also eligible for the opening of FCY RDA. It is available for only those Resident Pakistanis who have declared their assets abroad as per their wealth statement declared in the latest tax return declared to the Federal Board of Revenue (FBR).

  • RDA opening facility is available on HABIBMETRO online portal.

  • No, RDA can be operated from HABIBMETRO’S web / Internet banking services.

  • The turnaround time (TAT) for the opening of RDA is two working days only, if the application submitted by the individual is complete in all respects. In case of any discrepancies, the TAT will vary in accordance with the resolution of these discrepancies.

  • The successful opening and activation of RDA are subject to the provision of the following documents:

    • Original Scanned Valid Identity Document (CNIC/ SNIC/ NICOP/POC, POR etc.)
    • Original Scan Passport Valid Passport
    • Proof of NRP status (Scanned copy of POC, visa entry/exit stamps on passport etc.)
    • Proof of profession and Source of income / Funds (scanned copies of any of the following: Job certificate, tax return, rent agreement, salary slip, etc.)
    • Scanned Signature Specimen on white card (with black ink)
    • Live Photo / Digital Photo
    • Valid Overseas Pakistanis Foundation Membership Card (if applicable)
  • Yes, you can, in financial securities such as the Naya Pakistan Certificate (NPC). You can also invest in stocks on the stock market through CDC and invest in PIBs & T-Bills etc. In addition, you can also invest your funds in a fixed-term deposit account of HABIBMETRO Bank.

  • Yes you can, through HABIBMETRO Internet / Web Banking from your PKR account.

  • Yes, available for PKR account only.

  • Yes

  • Yes, POS transactions can be done both locally and internationally at any accepted VISA POS terminal.

  • With HABIBMETRO’s exclusive hPOS feature, where a customer can withdraw money from any HABIBMETRO branch counter through his / her ATM Debit Card.

  • Cheque Book can be requested online via mobile/web banking. The Cheque Book will be delivered through an international courier service at your mailing address where courier charges will be applicable.

  • Debit Card can be requested online via mobile/web banking. The Debit Card will be delivered through an international courier service at your mailing address where courier charges will be applicable. Debit Card charges will also be applicable as per the schedule of charges.

  • Yes, ATM withdrawal facility is available internationally through Debit Card.

  • No, there are no deductions on the profits incurred from NRVA Savings account.

  • Yes, however, for residents only whereby withholding tax and other government levies, where applicable, are deductible from this account. Non-residents are exempt from any such taxes on their profits incurred on their FCVA Savings Accounts.

  • For RDA Accounts –payment of Zakat is exempted

  • The Government of Pakistan issues Naya Pakistan certificates to enable RDA holders to invest in short term and long-term certificates and earn high returns.

  • Naya Pakistan Certificates are available PKR, USD, GBP and EURO currencies. Only PKR account holders can avail PKR certificates, and FCY account holders can avail in USD, GBP and EURO currencies.

  • Naya Pakistan Certificates are available in 3-month, 6-month and 12-month, 3 Year & 5 years tenors.

  • Yes, as an RDA holder, you are eligible to invest in real estate, government securities and HABIBMETRO’s term deposit accounts.

  • You can invest in Naya Pakistan Certificates through the HABIBMETRO bank’s web/ Internet banking services.

  • Yes, the investors can have premature encashment of their certificates. Premature encashment proceeds shall be worked-out such that rate of return accruing to that investor is equivalent to the rate of return of the nearest shorter maturity of Certificates or such rate as may be notified by Finance Division from time to time. However, no profit shall be paid in case of encashment of certificates before completion of (three) months.

  • Yes, the profit of the Certificate will be subject to deduction of 10% (ten percent) Withholding Tax on profit at source, i.e. profit payment will be made net of tax deduction.

Ms. Tahira Raza has an experience of over four decades in the banking industry of Pakistan. Previously, she has served as the President and Chief Executive Officer of First Women Bank Limited. Her areas of expertise include risk, credit and human resource management, audit, trade and finance and general banking as well as corporate governance, leadership and project management skills.

Ms. Raza is a Master in Business Administration (MBA) in Banking and Finance from the Institute of Business Administration (IBA) and is a banking diploma holder from the Institute of Bankers Pakistan (IBP).

Mohsin is a seasoned corporate banker with over 25 years of banking experience, covering Asia (East and South-East), Middle East and Levant regions.  He was the CEO for UAE at Standard Chartered PLC and in his penultimate role, he looked after Standard Chartered Bank Pakistan Limited as CEO. Prior to that, he managed Barclays Bank Pakistan as their Country Head and Managing Director.

Mohsin’s experience spreads across corporate banking, fixed income markets and Islamic Banking. In his previous stints, he headed the Asian syndicated loans business for ABN AMRO bank based out of Singapore, he was the co-head of Asian Debt markets for Citigroup in Hong Kong. Mohsin was also appointed as Senior Credit Officer (SCO) & Senior Securities Officer (SSO) during this period. In June 2005, Mohsin joined Citigroup Dubai as Regional head of corporate banking for Middle East, where he was responsible for building the corporate business and a strong and diversified team.

Mohsin is an MBA from Institute of Business Administration, Karachi.
He is married and has four children, two daughters and two sons. He enjoys playing bridge and is actively involved in social, educational and charitable activities. Mohsin is currently on the board of I-Care Pakistan while he has served on the boards of CDC, Pakistan Centre for Philanthropy (PCP), Kidney Centre and as a trustee in the IBA endowment fund.

Khurram is a seasoned banker with over 30 years of experience spanning risk and credit management, corporate, investment and transaction banking in local and multinational financial institutions, including Banque Indosuez and Standard Chartered Bank, where he served as Country Chief Risk Officer & Chief Credit Officer.

He has held several senior management positions, including Chairman, Board of Directors at Standard Chartered Modaraba and Standard Chartered Leasing and Director at HABIBMETRO Financial Services.

Prior to taking charge as President & CEO of HABIBMETRO, he led the Corporate & Transaction Banking Group at the Bank, as an SEVP and a member of the Management Committee.

Khurram is an MBA from University of Rochester, USA, and also holds a BSc Engineering degree from UET Lahore. He is also a Certified Director.

Mr. Rashid Ahmed Jafer has an experience of 37 years with M/s. A.F. Ferguson & Co., including 23 years as a partner at the organization. He is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP) and enjoys an expertise in statutory audit.

He has been a member of the Professional Standards and Technical Advisory Committee of ICAP for several years and is also a member of the SBP – ICAP Coordination Committee.

Mr. Mohamedali R. Habib is a graduate in Business Management – Finance from Clark University, USA. He also holds a Post Graduate Diploma in General Management from Stanford – National University of Singapore. Mr. Habib has worked in the corporate sector for three decades, in various managerial capacities across different industries, including multinational projects. Mr. Habib stepped into the banking industry in 1996 when he joined Habib Bank AG Zurich, where he has worked in different capacities.

In addition to serving as the Group CEO of Habib Bank AG Zurich, Mr. Habib holds other directorship positions in Indus Motor Company Limited and Thal Limited. He is also serving as Chairman of HBZ Finance Ltd. Hong Kong.

Mr. Mohomed Bashir is an experienced businessman and a known figure in the textile industry. He holds a fellow membership of Chartered Institute of Management Accountants (C.I.M.A), UK. Presently, Mr. Mohomed Bashir is the Chairman & Director of Gul Ahmed Textile Ltd., and also holds directorship of Gul Ahmed Energy Ltd, Gul Ahmed Holdings (Pvt.) Ltd., GTM (Europe) Ltd., UK, Gul Ahmed International Ltd., (FZC) UAE.

Mr. Hamza Habib was appointed as a non-executive director of Habib Metropolitan Bank Ltd. in 2020. He is also a director on the board of Agriauto Industries Ltd, a PSX-listed company. He has over 14 years of banking experience and is currently the Head of Corporate Banking at Habib Bank AG Zurich (HBZ) in Dubai, UAE. Mr. Habib has held various positions within the HBZ Group, including Alternate Chief Executive at Habib Bank Zurich (Hong Kong) Ltd, prior to which he was an Area Head with HBZ in the UAE. He also worked with Standard Chartered Bank in Geneva and London.

Mr. Hamza Habib graduated from Babson College in Wellesley, Massachusetts (USA), with a Bachelor of Science in Business Management. He is also a Certified Director from the Pakistan Institute of Corporate Governance.


Mr. Abbas is recognized as a decisive and pioneering C-level Officer and advisor reputed for strategy and leadership, with a wealth of experience in Financial and Banking sectors. Over 25 years he has been driving e-business, customer product solutions, revenue generation and innovative financial solutions through use of technology and strategic partnerships

As a highly personable subject matter expert in Payments, Microfinance, and Transactional Banking, this trusted board advisor has demonstrated adaptability and strategic thinking to develop high performing teams, systems and solutions in highly competitive yet traditionally structured environments.

With the technical and commercial expertise to deliver tangible results, Mr. Abbas will quickly add value to any forward thinking organization and its partners.

Mr. Habib is a banker by profession, with over 40 years of experience. He is presently the President of Habib Bank AG Zurich. Additionally, he holds directorships of HBZ Bank Ltd., South Africa, Habib Canadian Bank, Canada, and Gefan Finanz AG, Switzerland. Mr. Habib is a graduate in Finance from Babson College, Boston MA. USA.