Roshan
Digital Account

Non-Resident Pakistani? Open your account
from anywhere in the world at UBL.

Open account online roshan digital account

Digital Account Opening & Stock Investment

Investment in Naya Pakistan Certificates

Investment in Naya Pakistan Certificates

Repatriate funds with UBL Roshan Digital Account

Repatriable funds

Multi currency account

PKR/FCY Account

Funds Transfer

Funds Transfer

UBL Roshan Equity Investment

Roshan Equity Investment

UBL Roshan Apni Car

Roshan Apni Car

UBL Roshan Samaaji Khidmat

Roshan Samaaji Khidmat

UBL Roshan Apna Ghar

Roshan Apna Ghar

Roshan Digital Account empowers Non-resident Pakistanis to open accounts anytime, anywhere without visiting a branch in Pakistan.

Account Opening Process

1

Click on 'Apply for Roshan Digital Account' and follow the simple steps to open an Islamic or Conventional, Current or Savings account in either FCY (USD, EURO, GBP, SAR, AED) or PKR currency.

2

Once you have completed the form and submitted the documents our representative will get in touch with you within 48 hours. (If Required)

3

To manage your account and investments, you will receive an email with a link to access UBL Net-banking. Use the link to create a username and password to access and manage your account digitally.

4

You can view your account details including balance by logging in to Net-banking & UBLDigital App.

5

You can now invest into Stocks & Investment Certificates as well for attractive returns. Log in to Net-banking, Click on NRP Services & start investing!

Click here to view Terms & Conditions

*For opening a joint account, please drop us an email at roshan@ubl.com.pk

Investments in Naya Pakistan Certificates

Invest in Naya Pakistan Certificates (NPCs) at very attractive risk free rates. Send money now in your UBL Roshan Digital account and use UBL Netbanking to invest in Naya Pakistan Certificates to start reaping the benefits. Below table details the amazing returns.

Annualized Rate of Return

Conventional Naya Pakistan Certificates

3 Months 6 Months 12 Months 3 Years 5 Years
USD 5.50 6.00 6.50 6.75 7.00
PKR 9.50 10.00 10.50 10.75 11.00
GBP 5.25 5.50 5.75 6.25 6.50
EUR 4.75 5.00 5.25 5.50 5.75

Expected Profit Rates and Weightages For Islamic Naya Pakistan Certificates

Currency 3 Months Profit Payment at maturity 6 Months Profit Payment at maturity 12 Months Profit Payment at maturity 3 Years Half year profit payment 5 Years Half year profit payment
Expected Return Profit Weightage Assigned Expected Return Profit Weightage Assigned Expected Return Profit Weightage Assigned Expected Return Profit Weightage Assigned Expected Return Profit Weightage Assigned
USD 5.50 1.70 6.00 1.85 6.50 2.10 6.75 2.20 7.00 2.30
PKR 9.50 1.10 10.00 1.20 10.50 1.25 10.75 1.27 11.00 1.30
GBP 5.25 2.10 5.50 2.20 5.75 2.30 6.25 2.50 6.50 2.60
EUR 4.75 2.71 5.00 2.86 5.25 3.00 5.50 3.14 5.75 3.29
  • Login to UBL Netbanking and click on NRP Services and then click on Naya Pakistan Certificates on the left bar
  • Select your Roshan Digital Account in the Pay from tab
  • Select Product type 'NPC – Conventional' or 'INPC – Islamic'
  • Select Tenure of investment from the options mentioned above.
  • Select the amount to be invested
    • a. Min 100,000 PKR in multiples of PKR 10,000
    • b. Min 5,000 USD/GBP/EUR in multiples of USD/GBP/EUR 1,000
  • Review T&C’s and click Invest
  • Early/Premature Encashment: For early encashment of certificate(s), please reach out to us at roshan@ubl.com.pk

Eligibility Criteria

Individual Non-Resident Pakistani Nationals (NRPs) having CNIC/ SNIC/ NICOP;

Foreign Nationals having Pakistan Origin Card (POC);

Resident Individual Pakistanis who have duly declared assets held abroad (foreign currency account only).

Required Documents

Original scanned CNIC/ NICOP/ POC

Original scanned Pakistani Passport (first 2 pages) (for NRPs, OPF members, and Government Employees posted abroad)

Original scanned other country Passport (first 2 pages) (for POC holders, if available)

Proof of NRP status (POC, visa, entry/ exit stamps, etc.)

Proof of Profession and Source of Income/ Funds (job certificate, tax return, rent agreement, salary slips, etc.)

Live /digital photo through Webcam

Signature on white paper/ scanned image of signature

Wealth statement declared in latest tax returns with Federal Board of Revenue (FBR) (For Resident Pakistanis Only)

* JPG, JPEG, PNG, and PDF (3 Pages maximum). Files can be uploaded with a recommended file size of 5 MB for each uploaded document

Transactions with FCY/PKR Conversions

Pay bills, transfer funds, top up a mobile & much more, anywhere in Pakistan, using your NRP PKR or FCY account

Repatriation

For repatriation of your funds, please log in to Net-banking, click onNRP Services and navigate to Repatriate Funds to initiate the process.
Click here to view Terms & Conditions.

UBL Roshan Samaaji Khidmat

Easily send Zakat and Donations to your preferred charitable organizations from anywhere across the world. Login to UBL Netbanking and donate to over 35 charitable organizations.

  • Step 1: Log-in to UBL Netbanking
  • Step 2: Select NRP Services and click on Roshan Samaaji Khidmat
  • Step 3: Select your preferred organization & Enter amount
  • Step 4: Click on Review and enter OTP
  • Donations successfully made.

Click here to view the list of available charitable organizations on UBL Digital App/Netbanking.

UBL Roshan Apni Car

Roshan Digital Account holders can now easily apply for Roshan Apni Car for their loved ones on lowest Profit and Takaful rates.

Features & Benefits:

  • Exclusive rates for UBL Roshan Digital Account holders
  • Financing tenure of up to 7 years*
  • Maximum financing amount up to PKR 8 Million
  • Financing available for new and used cars
  • Financing available on floating rates pricing:
    1. For Non Lien based segment: 12 Month’s Kibor + 1%
    2. For Lien based segment: SBP Floor Rate + 1%
  • Down payment: Minimum 15% of the cost of vehicle
  • Selection of reputable Takaful companies at competitive rates and value added services
  • Facility for lien/ pledge of equivalent amount of financing in Roshan Digital Account or investment in Islamic/ Conventional Naya Pakistan Certificate
  • Repricing on annual basis
  • Islamic auto financing is based on Diminishing Musharakah contract and installment payment starts after the delivery of vehicle

To apply online, login to UBL Netbanking and click on NRP services.

*For Lien based financing, the tenor may vary as per the validity of the instrument.

Click here for Roshan Apni Car’s FAQs.

Invest in Pakistan Stock Exchange

Overseas Pakistanis can now invest in Pakistan Stock Exchange (PSX) digitally with UBL Roshan Digital Account. It is one of the best performing Stock Exchanges in Asia recording enviable growth and is majorly constituting to Pakistan’s economy by its capital formation in the country.

This is an ideal opportunity for non-resident Pakistanis to invest in Pakistan’s capital market and benefit from the competitive returns on offer by PSX while participating in the growth of their native homeland’s economy. Choose from a wide array of companies listed on the Exchange in different sectors, build their investment portfolio and reap amazing returns on your investment.

Account Opening Process:
  • Login to UBL Netbanking, click on NRP Services and select Pakistan Stock Exchange.
  • Select your brokerage firm.
    To view the complete list of brokerage firm, Click here.
  • Accept the Terms and conditions mentioned.
    (This will enable the bank to share your information with the selected broker and capital market entities to open your brokerage account & CDC depository account).
  • Add funds into your UBL Roshan Digital Account brokerage account.
    (This will transfer funds from your RDA Bank Account into your RDA stock market account and enable you to invest i.e. buy and sell stocks).

Click here to view Market Research Report.

Click here to view Roshan Equity Investment’s FAQs.

For more information regarding Roshan Equity Investment, click here.

Contact Us

Write to us at roshan@ubl.com.pk

Call our 24/7 UBL Contact Center at: +92-21-32402919

Click here for enquiries/ feedback

You can also Chat with us

For more information on Roshan Digital Account from State Bank of Pakistan, please visit http://www.sbp.org.pk/RDA/index.html or email at RDASupport@sbp.org.pk

SBP-MPD&SI Pakistan Remittances Survey

Please click here or scan the QR below to complete a short survey on Remittances by SBP - MPD&SI

Frequently Asked Questions

Account Opening

Account Features (PKR) Account

Account Features (FCY) Account

UBL Roshan Apni Car

Pakistan Equity Investment

For more information, please visit: https://www.psx.com.pk/psx/resources-and-tools/investors/investing-on-psx-from-overseas