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Roshan Digital Account (RDA) is a flagship initiative of the State Bank of Pakistan (SBP) that has transformed access to Pakistan’s banking system for overseas Pakistanis. It offers a fully digital banking experience along with multiple investment and deposit options in line with SBP regulations.
As part of this evolving initiative, HBL introduces the Roshan Digital NRAN Account (Non-Resident Rupee Account – Non-Repatriable) for Eligible Resident Pakistanis (RP) and Non-Resident Pakistanis (NRP)/ Non-Resident Foreign Nationals.
The Roshan Digital NRAN Account aims to attract a broader customer base by offering enhanced flexibility in managing local currency deposits.
Individuals aged 18 years and above. Non-Resident Pakistanis/ Foreign Nationals may apply digitally via the Roshan Digital platform.
It is a PKR-based Non-Repatriable current account offered under the Roshan Digital Account framework for eligible ,and Non-Resident Foreign Nationals.
It is a current account maintained in Pakistani Rupees (PKR).
The Roshan Digital NRAN Account expands the Roshan Digital ecosystem by offering a digitally enabled PKR account with local credit functionality, while remaining fully compliant with SBP regulations.
Non‑Resident Pakistanis
POC holders
Government employees posted abroad
Foreign Nationals without a valid Pakistani visa
Applicants must be 18 years or older.
Yes. Both Existing‑to‑Bank (ETB) and New‑to‑Bank (NTB) customers are eligible.
This account is available in PKR only.
Zakat will be handled as per HBL’s standard process and applicable regulations.
Non‑Resident Pakistanis/Foreign Nationals can open the account digitally through the Roshan Digital platform.
An auto‑generated email will be sent upon account activation along with encrypted copies of the account opening form, terms & conditions, and key fact statement.
The account will be opened within two (2) working days, subject to complete and accurate documentation.