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eBanc Roshan Digital Account Islamic

We thank you for your interest in Roshan Digital Account (RDA) Islamic for Non-Resident Pakistanis. Please provide your feedback on overall user experience, suggestions and complaints (if any) for further improvement at or call at +92 21 111 555 425. You can also contact us on ​​ Twitter@HBLPak​ or on our Facebook Page​ 


HBL Customers may also share their feedback and suggestions related to Roshan Digital Accounts to State Bank of Pakistan (SBP) at ​For further information on Roshan Digital Account from State Bank of Pakistan, please visit or email at​


eBanc Roshan Digital Account Islamic is a unique opportunity for Overseas Pakistanis to open a Shariah compliant account with HBL Islamic Banking from the comfort of their homes. Customers can open an eBanc Roshan Digital Account Islamic to channel Remittances for further Shariah compliant​​​​ investments in securities via CDC, Government ​issued  Islamic Bonds, real estate investments and other legiti​​mate purposes as allowed by the State Bank of Pakistan.  ​​​​


·         No minimum balance requirement

·         Customer can open a Foreign Currency Value Account (USD) or an NRP Rupee Value Account*

·         Both these accounts are fully repatriable

·         Account can be fed by Foreign Inward Remittances originating from the account holder himself / herself through formal channels (only banks)

·         Monthly account statements sent on registered email address

·         Account to be opened by Non-Resident Pakistanis only

·         Account to be operated singly

·         Accounts are funded through foreign remittance only.

·         Local credits allowed to the extent of proceeds received from permissible investments made from the account

·         Account to be opened in 48 hours if everything is in order

·         Mobile Banking App and Debit Card Available

·         Accounts are based on the concept of Qard

*As defined in the chapter 6 & Chapter 8 of the Foreign Exchange Manual. ​​

How to Apply

Customers can fill out our Basic Information Form.  ​Please ​​​click here to access & submit the same.


After you have submitted your application, a bank representative will contact you within 2 working days to guide you through the account opening process.


Once complete, you can submit your complete set of documents to the email​​​.

Once your account is activated, we will send you a confirmation email and you may then remit money


Note: In case of any discrepancy in the documents, customers will be informed through email or Video/Recorded call for rectification and will need to send the missing / additional or amended documents. ​​

Documents Required

Please note that you will need to submit the following documents along with your Islamic Account Opening Form.​

·         Scanned CNIC/ NICOP/ POC

·         Scanned copy of first 2 pages of original Pakistani and/or other Passport. If ID document is provided, then Passport is not required. Foreign Passport will be required if customer has a dual nationality.

·         Proof of NRP status (e.g. scanned copy of visa, entry/ exit stamps, etc.)

·         Proof of Profession and Source of Income/Funds (e.g. scanned copy of job card/work ID, tax return, rent agreement, salary slips, etc.)

·         For salaried individuals: job certificate / salary slips (any one document)

·         ​For business persons: tax return / rent agreement / any other proof of income (any one document)

·         LIVE Photograph​​

Detailed Islamic Terms and Conditions are available here

Additional Information

·         Customers may also be contacted online or through video call by an HBL representative for due diligence. The online verification session will be recorded for quality assurance​​.​

·         Customers can also request for any changes to their account such as personal details etc. by sending instructions through their registered email address to

​​​For complaints, please email us on

Important Documents

Conversion Request Form - Remittance.pdf  
Size: 265 KB
FAQs - Roshan Digital Account Islamic.pdf  
Size: 632 KB
Funds Transfer Application Form.pdf  
Size: 303 KB
Islamic RDA - Terms and Conditions.pdf  
Size: 87 KB
Remittance Application Form.pdf  
Size: 1772 KB
Shariah Certificate - RDA (Islamic).pdf  
Size: 100 KB