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Overview

A digital savings account designed for Non-Resident Pakistanis (NRPs) to send remittances, maintain balances in foreign currencies, and invest in Pakistan’s economy with ease.

What you get
  • Open and manage your account digitally from anywhere in the world.
  • Hold savings in major foreign currencies, including USD, GBP, SAR, AED, AUD, CAD and EUR.
  • Attractive profit rates with secure monthly payouts.
  • Access to investment opportunities in Naya Pakistan Certificates.
  • Facility to invest in other State Bank of Pakistan–authorised financial instruments and ventures.
  • Additional services that ensure convenience, security, and a smooth banking experience.

Grow your savings in foreign currency while enjoying flexible investments that support 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
  • Joint account opening option available
  • Islamic banking variant also offered
Banking Convenience
  • Free debit card (PKR currency only), first cheque book, and e-statements
  • 24/7 digital banking via Alfa App and Internet Banking
  • Transfers, bill payments, and e-commerce transactions
Currency and Funding Options
  • Maintain savings in major foreign currencies: USD, GBP, EUR, SAR, AED, CAD, and AUD
  • Accounts funded only through inward remittances from banks or exchange companies
  • All funds are fully repatriable with flexibility to transfer abroad
Investment and Remittance Benefits
  • 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