Roshan Digital Account

HABIBMETRO proudly presents Roshan Digital account, a State Bank of Pakistan initiative to provide Non-Resident Pakistanis (NRPs) a convenient solution to remit and invest funds into Pakistan for a brighter future for this country.

Account Features

  • No Minimum Balance
  • Can Remit funds into this account through foreign inward remittance via authorized banking channels
  • Current and Savings Account available in PKR, USD, GBP & EURO currencies
  • Available for Conventional and Islamic
  • Hassle-free Repatriation of Funds
  • Invest in Government Securities such as Naya Pakistan Certificates, HMB’s Term Deposit Accounts & Pakistan Stock Market
  • Issuance of Debit Card and Cheque Book*
  • Free Pay Order
  • Free E-Statements
  • Free Web Banking and HMB Mobile App Access
  • Free SMS Alerts for Digital and ADC Transactions
  • 24/7 RDA Support

Note: For debit card activation and pin generation along with cheque book activation
contact our 24/7 helpline.

  • Foreign Currency RDA Customers can register themselves on the HABIBMETRO Internet Banking Service.
  • Pak Rupee RDA Customers can register themselves for both HABIBMETRO Internet Banking Service and/or Mobile Banking App.

Eligibility Criteria

  • Non-Resident Individual Pakistani
  • 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)*

Resident individual Pakistanis interested in opening an Foreign Currency Value Account (FCVA) may visit our RDA designated branches to get their account opened. RDA designated branches are listed as follows:

  • DHA Shahbaz Priority in Karachi
  • DHA Z Block in Lahore
  • F-7 Markaz in Islamabad
  • Alfalah Court (for Islamic Banking Sirat only) in Karachi

Naya Pakistan Certificates

Roshan Digital Account (RDA), an SBP 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 RDA customers that have various tenors ranging from 3-Months to 5-Years available in USD, GBP, EURO and PKR currencies.

The Certificates shall be subscribed by eligible individuals (as defined in Rule 3 of NPC Rules, 2020) through Foreign Currency Value Account (FCVA) or NRP Rupee Value Account (NRVA), being marketed as Roshan Digital Accounts (RDAs) by HMB who include:

  • Non-Resident Pakistani having National Identity Card.
  • Foreigners having Pakistan Origin Card
  • Members of Overseas Pakistanis Foundation
  • An employee of the Federal Government or a Provincial Government posted abroad

Key Features

  • Available in PKR,Euro,GBP and USD currencies. Pak Rupee RDA customers can invest in PKR denominated certificates and Foreign Currency RDA customers can invest in USD,Euro,GBP denominated certificates
  • Tenors available are 3-month, 6-month, 12-month, 3 Year and 5 Year
  • USD, Euro  & GBP denominated NPCs minimum investment of 5,000 with integral multiples of 1,000 in their respective currencies
  • PKR denominated NPCs Minimum investment of PKR 100,000 with integral multiples of PKR 10,000
  • 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
3-Month 5.50% p.a 9.50% p.a 5.25% p.a 4.75% p.a
6-Month 6.00% p.a 10.00% p.a 5.50% p.a 5.00% p.a
12-Month 6.50% p.a 10.50% p.a 5.75% p.a 5.25% p.a
3-Year 6.75% p.a 10.75% p.a 6.25% p.a 5.50% p.a
5-Year 7.00% p.a 11.00% p.a 6.50% p.a 5.75% p.a

Note: These rates are subject to W.H.T of 10% currently and subject to change as per the directives of SBP.

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
  •  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 or email at