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Overview

A convenient, fully digital account designed for Non-Resident Pakistanis (NRPs) to send remittances, manage finances, and invest in Pakistan’s growth—without the need to visit a branch.

What you get
  • Open and operate your account digitally from anywhere in the world.
  • Seamless remittance transfers directly into your account.
  • Investment opportunities in Naya Pakistan Certificates at competitive returns.
  • Access to government securities through the Central Depository Company.
  • Facility to invest in real estate and other authorised ventures.
  • A secure, transparent platform regulated by the State Bank of Pakistan.

Enjoy a simple and secure way to manage your money and investments in Pakistan while contributing to the country’s economic growth. Terms and conditions apply.

Features & Offerings

Account Access and Setup
  • Open your account digitally within 48 hours (subject to complete documentation).
  • No minimum balance or initial deposit required.
  • Option to open joint accounts.
  • Available in both conventional and Islamic banking variants.
Banking Convenience
  • Free debit card (PKR currency only), first cheque book, and e-statements.
  • 24/7 digital banking via Alfa App and Internet Banking.
  • Convenient transfers, bill payments, and e-commerce transactions.
Currency & Funding Options
  • Multiple currency choices: PKR, USD, GBP, EUR, SAR, AED, CAD, AUD.
  • Accounts funded only through foreign remittances.
  • Funds are fully repatriable and can be transferred abroad without restriction.
Investment & Remittance Benefits
  • Invest in Naya Pakistan Certificates, Roshan Equity, and Alfa Digital Term Deposits.
  • No charges from Bank Alfalah on incoming remittances (remitter bank charges may apply).
  • Special discounted SWIFT code ALFHPKKARDA to reduce remittance costs.

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