JS Bank now offers Roshan Digital Account to Non-Resident Pakistanis (NRPs) residing across the world. NRPs can open a Foreign Currency (FCY) or PKR based NRP account that provides them unparalleled convenience through a simple, secure and completely digitized process to avail a host of benefits, paving way for a prosperous and progressive Pakistan.
Current/ Savings account in PKR or foreign currencies (USD, EUR, GBP, CNY, AED)
SMS Alerts
Free E-Statement
Cheque Book Issuance
Free Mobile Banking
Pay Utility bills
Dedicated Relationship Managers to resolve queries & complaints
Debit Cards offered – Gold, Titanium & Platinum
Zakat Exemption
Local credits are allowed to the extent of proceeds received from permissible investments
Account is fully repatriable
Invest in JS Deposit Products
Individual/ Joint Account
Eligibility
Roshan Digital Accounts can be opened and maintained by individual non-resident Pakistani clients and resident Pakistani clients with wealth declared abroad
Required Documents
The following scanned documents are required for the opening of the JS Roshan Digital Account:
Customer (CNIC/ SNIC/ NICOP/POC)
Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country)
Specimen Signature (Scanned on a white page)
Proof of NRP status (POC/ Visa entry/ exit stamps, etc)
Proof of profession & source of Income/ Funds (For example: For salaried individuals employment letter, salary slip or bank statement & for busniess persons; busniess registration document, business letter head or bank account statement etc)
Live photograph
Before Getting Started
Filling of account opening form will approixmately take 10-15 minutes
After gathering the Required Documents you will need to scan and upload them
We advise you to read the FAQs to get familiar with the product
you will also need access to a webcam so that your live photo can be captured
You may use the live chat feature in case you need any kind of assistance at any point
You will have to acknowledge declaration to proceed to next steps
Click on ‘Apply Now’ and fill in your personal information
Upload soft versions of required documents
e-KYC through recorded audio/ video calling by Bank’s representative with you
Upon successful verification of details and documents, your account will be opened within 48 Hours
You will receive confirmation email along with IBAN number from the Bank
Resident Pakistani’s have to visit JS Bank Branch
For Roshan Digital Account, Resident Pakistani’s have to submit wealth statement having foreign assets declared in last submitted tax return in addition to existing requirements for documents (as per regulator)
Account will be opened as per the branch existing process
Minimum Documents Required for NRPs
Original scanned CNIC/ NICOP/ POC
Original scanned Passport (first 2 pages) (Pakistani and/or foreign/other country)
Proof of NRP status (e.g. scanned copy of POC, visa, entry/exit stamps, etc.)
Proof of Profession and Source of Income/Funds (e.g. scanned copy of job certificate, tax return, rent agreement, salary slips, etc.)
Photo of customer
Signature (Electronic)
FATCA/CRS Declaration
Additional Information
Pakistani residents with declared assets abroad can apply for foreign currency Roshan Digital Account by visiting any JS Bank branch. Customers may also be contacted online or through video call by JS Bank for due diligence. The online verification session will be recorded for quality assurance purpose.
All taxes and Zakat are applicable as per laws of Pakistan.
We thank you for your interest in the Roshan Digital Accounts (RDA) for Non-Resident Pakistanis. You are also requested to provide your feedback on overall user experience, suggestions and complaints (if any) for further improvement at [email protected] or call at +922132799009, +92 (051-021) 111 654 321.
You can also contact us on our Facebook page:
You may also share your feedback and suggestions related to Roshan Digital Accounts with State Bank of Pakistan (SBP) at [email protected]
Cheque Book and Debit Card charges on all variants will be applied as per JS Bank Limited’s (JS Bank) prevailing Schedule of Charges (SOC). Debit card and cheque book request will be processed once the account is funded within 7 working days of account generation. Courier charges will be applicable At Actual.