Roshan Digital Account (RDA)

Explore investment opportunities in capital market by opening a non-resident stock trading accountwith “The Banker’s Brokerage House” AL Habib Capital Markets (Pvt) Ltd through “Roshan Digital Account”

“AL Habib e-Trade” is a trading platform of “AHCML” that delivers timely access to the PSX without any constraints.
“AHCML” welcomes the government’s initiative of “Roshan Digital Account (RDA)” to facilitate Non-Resident Pakistanis to open bank account digitally/online either in Pak Rupee or US Dollar from anywhere outside Pakistan and remit money in their accounts. “RDA” holders can now INVEST in Pakistan Stock Exchange (PSX) through Central Depositary Company (CDC) and the Roshan Digital Pakistan initiative. AL Habib Capital Markets (Pvt) Ltd. (AHCML) offers full-spectrum financial services with an emphasis on securities brokerage, online trading, equities research and corporate finance. We are the subsidiary of Bank AL Habib (Sponsored by the Dawood Habib Group), a premier commercial bank providing banking services in Pakistan for the last 25 years through a fast growing network of 804 branches as at Sep 30, 2020. AHCML - TREC Holder of PSX and the subsidiary of Bank AL Habib Ltd. - is electronically linked up with the CDC Investor Account and its Direct Settlement Service (DSS) and its “AL Habib e-Trade” is integrated with all the Banks offering the Roshan Digital Account.

Eligibility Criteria

Product will be offered to individuals above the age of 18, who are:
• Non-Resident Pakistanis
• Foreign Nationals having Pakistan Origin Card (POC)
• Employees or officials of the Federal Government or a Provincial Government posted abroad
• Resident individuals having declared their assets held abroad, as per wealth statement declared in the latest tax return with the Federal Board of Revenue (FBR).
(For FCY Roshan Digital account only)

Required Documents

To process your application, the following supporting documents will be required:
• Scanned Copy of Your CNIC/NICOP/POC
• Scanned copy of Your Passport (first 2 pages, Pakistani and/or foreign/other country, latest exit stamp on Pakistani Passport)
• Photograph (Passport size)
• Live photo
• Signature (scanned on white page)
• Scanned copies of Overseas Pakistani Foundation (OPF) Card (if applicable)
• Proof of NRP Status (scanned copy of POC, visa, entry/ exit stamps etc.)
• Proof of profession and Source of Income/Funds (scanned copy of job certificate, tax return, rent agreement, salary slips etc.)

You are also requested to provide your feedback on overall user experience, suggestions and complaints for further improvement at or
call at +92 21 3227 0123-4. You can also contact us on our Facebook page AL Habib Capital Markets (Pvt) Ltd @ahcmlpk
Customers may also share their feedback and suggestions related to Roshan Digital Accounts to State Bank of Pakistan (SBP) at


For further details about Roshan Digital (Inquire Form)

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