JS / Personal / Accounts / Current Accounts / Roshan Digital Account

Italian Trulli
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.

 

Scan to Apply via JS Bot OR Add +92 348 7003000 to your Contacts and say “Hi” on WhatsApp

 

Remittance Partners

Read more

Request for IPS Account

Read more

Investment in Naya Pakistan

Read more

Investment in Islamic Naya Pakistan

Read more

Repatriation

Read more

FAQs on Roshan Digital Account

Read more

Schedule of Charges

Read more

Deposit Rates

Read more

Sohni Dharti Remittance Program

Read more

Product Features
No Initial
Deposit Required
Mobile &
Internet Banking
Secured and
Instant Services
Real-time
Currency Conversion
No Minimum
Balance Required
Complete Digital
Onboarding
Current/ Savings account in PKR or foreign currencies (USD, EUR, GBP, CNY, AED)
SMS Alerts
Free
E-Statement
Supplementary
Cards
Cheque Book
Issuance
Free Mobile
Banking
Pay Utility
bills
Dedicated Relationship Managers
to resolve queries & complaints
Free of cost Master Card Titanium
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.

Disclaimer: Please male sure that you have ther latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache / cookies to ensure the application runs smoothly.

Account Opening Process

Non-resident Pakistanis (NRPs)

  • 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 Pakistanis

  • 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.
Service Charges will apply as per prevailing SOC
RDA Profit rates PKR: 5.5 % All Tiers
Profit Payout Rates on FCY Deposits
Profit Payout Rates on LCY Deposits

 

Get in Touch

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: https://www.facebook.com/JSBankLtd/You may also share your feedback and suggestions related to Roshan Digital Accounts with State Bank of Pakistan (SBP) at [email protected]

 

RDA Terms & Conditions

Italian Trulli
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.

 

Scan to Apply via JS Bot OR Add +92 348 7003000 to your Contacts and say “Hi” on WhatsApp