Roshan Digital Account is a landmark initiative by the State Bank of Pakistan to facilitate Non-Resident Individual Pakistanis (NRIPs) in opening a digital / online bank account with SBP designated banks. This account can be opened in only 14 clicks, by providing only 6 documents and in just 48 hours. There is no need to visit a bank branch or the consulate/embassy. Through this unique account, Non-Resident Pakistanis can avail banking services like remittances & payment of utility bills and also invest in various instruments in Pakistan.
To open Roshan Digital Account, Non-Resident Individual Pakistani can access any of the designated banks’ website / portal / app and fill Digital Account Opening Form, entering required information & submitting soft copies of documents. Bank will perform its Know Your Customer (KYC) and due diligence based on the information provided and confirm the status of Account Opening to the individual in 48 hours.
Trading Guidance for Roshan Digital Account
Roshan Digital Account holders can easily opt to invest in the Pakistan Stock Market by selecting
‘Investment in Stock Market’
on the bank’s website / portal / app and taking the following three further steps:
Roshan Digital Account provides an opportunity for Non-Resident / Overseas
Pakistanis to remotely open a bank account with SBP designated Pakistani banks
through an entirely digital and online process. This account will enable them to
avail banking services like funds transfer, remittances, bills & fee payments,
and invest in various instruments including stocks / shares.
To view the list of brokers that are integrated with CDC and offering Roshan
Digital Account, please click on the following link:
Click on the ‘Consent’ tab to share Roshan Digital Account details with
Central Depository Company (CDC) and other capital market entities
Click ‘I Agree’ to Terms and Conditions for Investing in Pakistan Capital
Selection of Broker
A. Roshan Digital Account is a unique opportunity for Non-Resident / Overseas Pakistanis to remotely open a bank account with SBP designated Pakistani banks through an entirely digital and online process. This account will enable them to avail banking services like funds transfer, remittances, bills & fee payments, and invest in various instruments including stocks / shares.
A. Roshan Digital Account can be opened digitally without any hassle of visiting a bank branch or embassy / consulate. It is a fully functional account that NRPs can use for basic banking services like making routine transactions & channelling remittances, and for investments in Pakistan Stock Market, Government Bonds and Securities.
A. Only the following can open Roshan Digital Account:
A Non-Resident Individual Pakistani;
A Non-Resident POC Card holder;
Employees or officials of the Federal or Provincial Governments posted abroad in the tax year;
A. Scanned copies of at least the following documents are required to open Roshan Digital Account:
CNIC / NICOP / POC
Passport (Pakistani and/or foreign country)
Proof of non-resident status
Proof of Profession and Source of Income/Funds
For salaried individuals: job certificate / salary slips
For business persons: tax return / rent agreement / any other proof of income
A. Roshan Digital Account will be opened within 48 hours if all account opening requirements have been duly completed and documents have been submitted as per respective bank’s requirement.
A. Roshan Digital Account allows multiples options for investment which are as follows:
Shares quoted on the stock exchange in Pakistan.
Pakistani-rupee denominated Deposit products of the banks maintaining the account.
Pakistani rupee-denominated debt securities of Government of Pakistan (including Pakistani-rupee Naya Pakistan Certificates, T-bills, PIBs, Sukuk and any other registered securities of the government as notified from time to time).
Residential and commercial real estate
A. In order to authenticate each trade and transaction executed in the stock market, NCCPL registers investors by assigning a Unique Identification Number (UIN). Registered UINs are provided to the stock exchange by NCCPL and it is mandatory for Abbasi and Company to enter UIN while trading.
A. A Trading Account is opened on behalf of the Investor with Abbasi and Company and is used for trading in shares.
A. A Custody Account is a shares custody account opened with CDC.
A. Direct Settlement Service (DSS) is a web based service through which IAS Account Holders can settle their trades executed at Stock Exchange directly through their respective IAS Account. Investors have to contact Abbasi and Company only for the execution of trades. Further details about Direct Settlement Service are available on the following link:
A. First, you have to select “Investment in Stock Market” on your bank’s portal / website / app. With the following three further steps, you can start investing in Pakistan Stock Market through Roshan Digital Account:
Click on the ‘Consent’ tab to share Roshan Digital Account details with Central Depository Company (CDC) and other capital market entities
Click ‘I Agree’ to Terms and Conditions for Investing in Pakistan Capital Market
Select Abbasi and Company as Broker
A. You will receive an ‘Acknowledgement Email’ from CDC as soon we receive the consent and information from your bank.
A. In 24 hours of receiving the acknowledgement mail from CDC and if your information/credentials were found complete and correct, you will receive an Account Opening Package email from CDC, comprising of the following actions and details:
Opening of your Trading Account with Abbasi and Company.
Creation and Registration of your Unique Identification Number (UIN).
Opening of your Custody Account (CDC Account).
Activation of Direct Settlement Service (DSS) in your Investor Account (if you have opted for the same).
Creation of your CDC Web Access Login ID and Password.
A. In case you do not receive an Account Opening Package Email from CDC, you will receive either of the two responses from CDC:
Discrepancy found in your provided information / documents, asking you to provide the same in correct form or provision of some additional information.
No Response or Rejection from Abbasi and Company, seeking your advice on further action.
A. You will be contacted directly by Abbasi and Company regarding its Fee and Commission Structure and other trading details. Please note that before the opening of your Trading Account, Abbasi and Company will perform its own due diligence and may ask for more details / information.
A. Before you initiate your first trade, you have to initiate a Fund Transfer request from your Roshan Digital Account to CDC Bank Account maintained with your bank (details of which were provided with the Account Opening Package).
A. You can purchase shares through Abbasi and Company’s online trading app / portal easily within the amount transferred by you to CDC.
A. At T+2 (2 business days after transaction), CDC will pay cash on your behalf against the purchase and will receive shares in your CDC Account. CDC will notify you about the transaction.
A. You can sell your already purchased shares through your Abbasi and Company’s online trading app / portal easily.
A. At T+2 (2 business days after transaction), CDC will transfer the shares out of your CDC Account and will receive cash on your behalf, which will be readily available for any further transactions.
A. All Corporate Action entitlements will be credited in your CDC Account. Your Cash Dividends will also be made available with CDC. All information regarding Corporate Actions will be provided to your bank and will be available to you through CDC Access web portal and app.
A. Yes, but within the same amount only.
A. CDC will pay your Abbasi and Company’s commission from the cash transferred by you from your Roshan Digital Account to CDC bank account.
A. NCCPL charges are applicable on the clearing of trades and will be deducted by CDC, details of which will be provided to you. For schedule of NCCPL’s fee and charges, please refer to
A. No, this service is FREE-OF-COST for Overseas Pakistanis.
A. You can give instructions to CDC through CDC Web Access to transfer funds from CDC Bank Account to your Roshan Digital Account from where you can easily repatriate them by giving separate instructions to your Bank.
A. State Bank of Pakistan (SBP) is the central bank of the country. SBP has introduced the concept of Roshan Digital Account for Non-Resident Pakistanis enabling them to avail basic banking services like payments and remittances and invest money in a variety of instruments including shares / stocks. For more information, please visit
A. Securities and Exchange Commission of Pakistan (SECP) is the apex regulator of Pakistan Capital Market. For more details, please visit www.secp.gov.pk
A. Central Depository Company (CDC) is the sole shares depository and the custodian of investor’s assets in the Pakistan Stock Market. CDC is the only entity handling the electronic (paperless) settlement of shares transactions carried out at the Pakistan Stock Exchange.
CDC serves as the information hub between banks and stock market for Roshan Digital Account holders. For those who are interested to invest in stock market through RDA, CDC will open a Custody Account for them. Moreover, Login ID and Password for CDC Web Access will also be generated for the Roshan Digital Account holder.
A. Pakistan Stock Exchange Limited (PSX) is the country’s only stock exchange where trading of shares takes place. It is a marketplace where investors can buy and sell common stock of listed companies and other securities through securities brokers (TREC holders). PSX has been rated among the world’s best performing stock market for the past many years. For more information, please visit www.psx.com.pk
A. National Clearing Company of Pakistan Limited (NCCPL) is the clearing and settlement provider of the Pakistan Stock Market. It will establish your Unique Identification Number (UIN). For more details, please visit www.nccpl.com.pk
6 6 Shadman, Lahore, Pakistan. (Near China Chowk)
+92-42-38302028 - 32300180 : Phone
0309-4447430 : Whatsapp
42 42-Shahrah-e-Quaid-i-Azam, Lahore, Pakistan
+92-42-38302028 - 32300180 : Phone
0309-4447430 : Whatsapp
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