To cater to the lower income segment of NRPs and non-resident POC holders desirous of opening bank accounts in Pakistan, HBL now introduces the RDA blue collared Account.
*As defined in the chapter 6 & Chapter 8 of the Foreign Exchange Manual.
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.
A. The Blue Collar eBanc Roshan Digital Account is a proposition designed for the lower income segment of NRPs and non-resident POC holders desirous of opening bank accounts in Pakistan through a completely digital process. This account will enable users to take advantage of banking services such as:
A. The Blue Collar eBanc Roshan Digital Account is a fully functional account that the customer can use to channel remittances for all his/her regular transactions & for further investments in Pakistan.
A. The Blue Collar eBanc Roshan Digital Account is a current account.
A. The whole account process can be completed remotely without the need to physically visit a bank branch. It gives NRPs a unique opportunity to avail basic banking services, channel remittances, make routine transactions and transfers, and also be able to invest in government securities and the Pakistan Stock Market.
A. Yes. You can open a Blue Collar eBanc Roshan Digital Account even if you already maintain an account with HBL.
A. The Blue Collar eBanc Roshan Digital Account can be opened by both existing and NTB (New-to-Bank) customers.
A. The account can be opened in PKR, USD, GBP & EUR, SAR, AED.
A. Any non-resident Pakistani individual, or a non-resident POC card holder.
A. No. The Blue Collar eBanc Roshan Digital Account only allows funds through Inward Remittances. No local credits from within Pakistan are allowed in the account. However, the account allows proceeds from disinvestment/sale/maturity of Government of Pakistan’s debt securities, residential and commercial real estate, quoted shares, term deposits, and profit/rent/dividend/ /interest on such securities/properties/shares/ deposits received on account of investments made from the account
A. The Blue Collar eBanc Roshan Digital Account allows multiples avenues for investment:
Investments allowed from the PKR RDA include:
Investments allowed from FCY –RDA include:
A. The Blue Collar eBanc Roshan Digital Account offers the use of the Mobile App which can be used to process local fund transfers, Mobile Top Ups & Bill Payments. Customers can also access their accounts through the debit card and cheque book issued.
A Yes. The Blue Collar eBanc Roshan Digital Account offers a Debit Card in both PKR & USD.
A. The Blue Collar eBanc Roshan Digital Account also provides for Roshan Apni Car Auto Loan & Roshan Apna Ghar home financing facility for local beneficiaries in Pakistan. Please visit our website www.hbl.com/ebancroshandigitalaccount for further details.
A. Accounts will be opened within 48 hours if all account opening requirements have been duly completed documents have been submitted as per bank requirement.
A. You will receive an auto-generated email about account activation.
A. Yes. Please visit this link www.hbl.com/ebancroshandigitalaccount ( to be updated by IT) to check out the process for online account opening.
A. You can send funds into your Blue Collar eBanc Roshan Digital Account through any bank or exchange company overseas.
A. Yes. the Blue Collar eBanc Roshan Digital Account accepts remittances from both Banking channels & Money Exchange Companies such as Western Union, Transfer Wise, UAE Exchange etc.
A. No. There are no charges by HBL for any incoming remittances into the Blue Collar eBanc Roshan Digital Account. Charges may be applied by the overseas Bank for the remittances. Please confirm both your Bank’s charges as well as the Correspondent Bank Charges before the remittance.
A. No. Under Section 3(1)(a)(b) of the Zakat and Ushr Ordinance, 1980, read with Rule 24-A of the Zakat Collection & Refund Rules, 1981, compulsory deduction of Zakat is not applicable on RDA (both FCVA and NRVA).
A. You can contact HBL through our 24/7 UAN number +92 21 111 555 425 or email us at email@example.com for any query.