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Islamic Account Dyffhiu

Overview

The Islamic Roshan Digital FCVA Saving Account presents a significant opportunity for Non-Resident Pakistanis (NRPs) worldwide to seamlessly open a Bank account through a digital platform. This innovative initiative enables NRPs to channle remittances and invest in a range of financial instruments, including the Islamic Naya Pakistan Certificate in FCY currencies such as USD, GBP,EURO which offers a very attractive rates of return.

Additionally, account holders can benefit from a variety of features designed to enhance their banking experience and investment potential. The Islamic Roshan Digital Account serves as a comprehensive financial solution that supports NRPs in contributing to Pakistan's economic growth while reaping the rewards of attractive investment avenues.

Features & Offerings

Integrated Investment Ecosystem

Seamless access to Islamic Naya Pakistan Certificates, Roshan Equity Investments, and Alfa Digital Term Deposits.

Discounted SWIFT Code

Use SWIFT Code ALFHPKKARDA to maximize savings on remittances to Pakistan.

No Minimum Balance

No initial deposit required to open or maintain the account.

Free Debit Card

Get a complimentary debit card for PKR accounts.

Free Cheque Book

Receive your first cheque book free of charge.

Free E-Statement

Access your account statements digitally at no cost.

Multi-Currency Facility

Open accounts in USD, GBP, EUR, SAR, AED, CAD, and AUD under Islamic RDA.

Fully Repatriable Funds

Transfer all funds freely abroad with no restrictions.

Funded by Foreign Remittances

Only inward remittances from banks and exchange companies are accepted.

Exclusive for Non-Residents

Specifically designed for Non-Resident Pakistanis for secure cross-border banking.

Joint Account Option

Facility to open a joint account is also available.

Remittance-Only Funding

Funding allowed only through foreign remittances; local credits are not permitted.

Quick Account Setup

Account activation within 48 hours after document completion.

Digital Banking & Debit Card

Enjoy full banking features with Alfa App & Internet Banking, plus a debit card for 24/7 transactions.

Islamic Banking Variant

An Islamic-compliant version of the RDA is available for Shariah-conscious customers.

No Remittance Charges

Bank Alfalah does not charge for incoming remittances; confirm any charges with the remitter bank.

Eligibility & Documents

Documents Required to Open an Account

To process your application, the following supporting documents will be required:

Proof of Identity

  • Scanned Copy of Your NICOP/POC or
  • Scanned Copy of Your CNIC/SNIC and Passport (first 2 pages along with entry/exit stamp pages to establish identity with NRP status)

Proof of Non-Resident Status

  • Proof of Non Resident Pakistani status (e.g. scanned copy of Resident Permit, Valid Iqama, Valid Visa, other Nationality Passport, etc.)

Declaration Form

  • Proof of Profession and Source of Income/ Funds e.g. Salary Slip, Salary certificate, complete tax return, rent agreement or Income Letter on your company letterhead (if self employed / Businessman) etc. (in English) (not older than 3 months)

Live Photo

  • Live / digital photo through Webcam

Signature

  • Signature (scanned on white page)

Download Documents

  1. CRS Form
  2. FATCA Form (if applicable)
  3. W8BEN Form (if applicable)
  4. W9 Form (if applicable)
  5. FAQs

How To Open

Account Opening Process

Customers can open an account by clicking the "Open an Account" button to complete our Online Digital Form.

For any assistance during the account opening process, please contact us through our LIVE chat support or email us at RDA@bankalfalah.com. A Bank Alfalah representative will get in touch with you to guide you through the process and provide comprehensive support.

Or, if you have already started your Roshan Digital Account opening process, you can resume your application by clicking below.