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Overview

A convenient digital savings account designed for Non-Resident Pakistanis (NRPs) to remit funds, grow their savings, and invest in Pakistan’s economy with ease.

What you get
  • Open and operate your account digitally from anywhere in the world.
  • Profits calculated daily and paid monthly at attractive rates.
  • Seamless access to investment opportunities in Naya Pakistan Certificates.
  • Option to invest in government securities through the Central Depository Company.
  • Facility to invest in real estate and other State Bank of Pakistan–authorised ventures.
  • Additional banking services to enhance convenience and security.

Enjoy the benefits of regular profit payouts, investment flexibility, and a secure platform that helps you grow your wealth while contributing to Pakistan’s progress. Terms and conditions apply.

Features & Offerings

Simple Account Access
  • Open your account digitally within 48 hours (subject to complete documentation).
  • No minimum balance or initial deposit required.
  • 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 for transfers, bill payments, and e-commerce.
  • Option to open joint accounts.
Currency and Funding Options
  • Maintain your account in PKR or foreign currencies (USD, GBP, EUR, SAR, AED, CAD, AUD).
  • Accounts funded only through inward remittances from banks or exchange companies.
  • All funds fully repatriable, with the facility to transfer abroad freely.
Savings and Investment Benefits
  • Attractive profit rates, calculated daily and paid monthly.
  • Direct access to Naya Pakistan Certificates, Roshan Equity Investments, and Alfa Digital Term Deposits.
  • Discounted remittance costs with dedicated SWIFT code (ALFHPKKARDA).

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