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Overview

A simplified savings account designed for Non-Resident Pakistanis (NRPs) who want to save and invest in Pakistan with minimal documentation and complete digital ease.

What you get
  • Open your account digitally with only a basic declaration of profession and income source.
  • No salary slip, income proof, or email address required.
  • Seamless remittance transfers and secure saving options.
  • Opportunity to invest in Naya Pakistan Certificates with competitive returns.
  • Access to investment opportunities in government securities, real estate, and other ventures approved by the State Bank of Pakistan.

Enjoy a convenient and inclusive way to save and grow your wealth while supporting Pakistan’s economic progress. Terms and conditions apply.

Features & Offerings

Simple Account Opening
  • Open your account digitally with minimal documentation.
  • No salary slip, income proof, or email address required.
  • Quick setup within 48 hours (subject to complete documentation).
Flexible Account Options
  • Choose between a Rupee Value Account or a Foreign Currency Value Account.
  • Maintain balances in major currencies, including USD, GBP, EUR, SAR, AED, CAD, and AUD.
  • Islamic banking variant also available.
Remittance and Funding
  • Monthly inward remittance allowance of up to USD 5,000 (or equivalent).
  • Accounts funded only through foreign remittances; local credits not permitted.
  • All funds are fully repatriable, allowing free transfer abroad.
Banking Convenience and Benefits
  • No minimum balance or initial deposit required.
  • Free debit card (PKR currency only), first cheque book, and e-statements.
  • 24/7 digital banking through Alfa App and Internet Banking for transfers, bill payments, and e-commerce.
  • Joint account option available.
Investment and Cost Savings
  • Access to Naya Pakistan Certificates, Roshan Equity Investments, and Alfa Digital Term Deposits.
  • Reduced remittance costs with dedicated SWIFT code (ALFHPKKARDA).
  • No charges from Bank Alfalah on incoming remittances (remitter bank fees may apply).

Eligibility & Documents

Required Documents for Application

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

  1. 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 and NRP status).
  2. Proof of Non-Resident Pakistani status (e.g., scanned copy of Resident Permit, Valid Iqama, Valid Visa, other Nationality Passport, etc.).
  3. 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). Must be in English and not older than 3 months.
  4. Live/digital photo captured through webcam.
  5. Signature scanned on a plain white sheet.

Download Documents

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

How To Apply

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.

Open An Account

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

Resume Application