ACE Money Transfer
ACE Money Transfer
12 Oct 2026
Millions of non resident Pakistanis living and working across the globe now have a direct line into Pakistan's financial system, and it runs entirely through their phone or laptop. The Allied Bank Roshan Digital Account removes the friction of traditional banking by letting you open, fund, and manage a Pakistani bank account from anywhere in the world. This guide walks you through everything you need to know, from eligibility and documents to investments and everyday bill payments.
The Allied Roshan Digital Account is a State Bank of Pakistan-backed initiative offered through Allied Bank Limited, designed specifically for non resident Pakistanis, Pakistan Origin Card holders, and eligible foreign nationals. Here is why it deserves your attention:
You can open the Allied Bank Roshan Digital Account 100% online in about 10 to 15 minutes, without visiting bank branches, consulates, or embassies. Account opening can be completed digitally without physical presence.
The account is available in PKR and major foreign currency options including USD, GBP, EUR, SAR, and AED. Roshan Digital accounts can be opened in multiple currencies to match your earning or savings currency.
Funds in your digital account are fully repatriable. You can remit principal and returns back abroad without bank approval, subject to standard documentary conditions.
There is no minimum balance requirement to open a Roshan Digital Account, making it accessible regardless of how much you plan to deposit initially.
Investment opportunities include Naya Pakistan Certificates, Pakistan stock market access, Roshan Apna Ghar home financing, and Roshan Apni Car vehicle financing, all managed from abroad digitally.
You can conveniently send money into your Allied Bank Roshan Digital Account through platforms like Ace Money Transfer using international bank transfer, debit card, credit card, or online transfer.
Roshan Digital is an initiative by the State Bank of Pakistan launched in 2020 to connect overseas Pakistanis with the country's banking and investment ecosystem. It enables non resident Pakistanis and eligible individuals to undertake banking and investment activities through digital channels without visiting bank branches in Pakistan.
Allied Bank Roshan Digital Account is a specialized bank account for non resident Pakistanis (NRPs), overseas Pakistanis, NRPs and POC holders, and eligible foreign nationals. It is operated fully through digital banking solutions provided by Allied Bank.
The account supports both everyday banking (bill payments, funds transfer, ATM access via free debit card) and structured investment (Naya Pakistan Certificates, equity, real estate) without any physical paperwork.
RDA is separate from a normal Pakistani bank account but can be used similarly for local payments, long-term savings, and investment subscriptions.
As of mid-2026, RDA inflows across all commercial banks have exceeded USD 8 billion, with accounts opened by overseas Pakistanis in more than 175 countries.
The eligibility criteria are defined by the State Bank of Pakistan and implemented by Allied Bank. Here is who qualifies:
Non resident Pakistanis (NRPs) aged 18 or above with a valid CNIC, NICOP, or Pakistani passport, currently living abroad for work, studies, or permanent residence.
Pakistan Origin Card (POC) holders with dual nationality who hold a valid Pakistan Origin Card POC issued by the government of Pakistan, along with their foreign passport.
Foreign nationals who meet SBP and Allied Bank KYC/AML requirements and wish to invest or bank in Pakistan through Roshan Digital. This includes non resident POC holders and non resident individual Pakistani nationals with foreign residency.
Resident Pakistanis who qualify as a resident individual Pakistani with a wealth statement declared with the Federal Board of Revenue, showing foreign-held assets in their latest tax return. This allows them to open certain foreign currency RDA variants.
Government of Pakistan employees posted abroad at embassies, consulates, or diplomatic missions, provided they present identity documents and proof of posting.
Non resident Pakistanis and Pakistan Origin Card holders can open a Roshan Digital Account remotely from anywhere in the world.
Allied Bank offers several Roshan Digital account variants designed to fit different financial needs and risk profiles.
PKR Roshan Digital Account is ideal for transactions inside Pakistan such as utility bills, school fees, and property payments, with easy conversion from foreign currency at prevailing rates.
Foreign currency accounts are available in USD, GBP, Euro, SAR, and AED, letting you hold savings in the international currency of your choice without immediate conversion.
Current vs savings options are both available. A savings RDA may earn profit or interest (conventional) or Islamic profit (Shariah-compliant) depending on your chosen variant, while current accounts are suited for transactional use.
Joint accounts are allowed for spouses and close family members. All joint holders must provide the same set of required documents and participate in a video KYC session together.
Low income Roshan Digital Account is a simplified variant with reduced documentation and simplified requirements. It carries a cap of USD 5,000 equivalent in foreign inward remittances per month, making it suitable for smaller, regular transfers.
Allied Bank provides a Shariah compliant digital account option for customers who prefer Islamic banking principles.
The Allied Aitebar Roshan Digital Account is structured under a Mudarabah-based profit-sharing model, following AAOIFI and SBP-approved Islamic finance guidelines.
Funds in the Islamic RDA can be channeled into Islamic Naya Pakistan Certificates, Shariah compliant Roshan Apna Ghar home finance, and other halal investment avenues available through Allied Bank.
Day-to-day account operations, including debit card usage, internet banking, and mobile app access, function identically to the conventional RDA. The key difference lies in how profit is calculated and which instruments are permissible.
Customers can choose between conventional and Islamic variants at the time of account opening. Both conventional and Islamic options can be maintained simultaneously if needed, giving flexibility to manage different financial goals under separate structures.
Before starting your online application, prepare digital copies of the following. You will need to upload scanned copies of all required documents during the process.
Identity document: Valid CNIC, NICOP, or Pakistan Origin Card POC (front and back scanned). For foreign nationals, a valid passport and residency card from their country of residence.
Passport: Pakistani passport and or foreign passport with visible entry and exit stamps to establish your non resident status.
Proof of overseas residence: Residence permit, Iqama, visa, BRP (for UK residents), Green Card, or national ID card from your host country.
Proof of income: An employment letter, latest salary slip, work contract, latest tax return from your country of residence, or business registration documents if self-employed.
Biometric verification: A live selfie or digital photo capture is required during the application process for face verification. You will also provide a scanned specimen signature.
Tax declarations: FATCA status confirmation is mandatory during onboarding, along with CRS tax residency declarations, particularly for customers connected to the USA or other jurisdictions with additional compliance requirements.
Think of this as your pre-flight checklist. Having everything ready cuts the process down to minutes rather than days.
The entire account opening journey is completed through Allied Bank's Roshan Digital online portal or the myABL mobile app. Opening a Roshan Digital Account takes 10 to 15 minutes when your documents are prepared.
Step 1: Visit Allied Bank's official Roshan Digital landing page or open the myABL app. Select "Open Roshan Digital Account" to begin.
Step 2: Enter your basic personal details including name, date of birth, CNIC NICOP POC number, contact email, mobile number, and country of residence. Verify your email via a one-time password (OTP) that remains valid for 5 minutes.
Step 3: Upload your required documents (identity, proof of address, income proof) and capture a live selfie. Make sure file sizes and formats match the portal guidelines to avoid resubmission.
Step 4: Select your account type. Choose between PKR or foreign currency, current or savings, conventional or Islamic, and indicate whether the account is single or joint.
Step 5: Complete your FATCA/CRS declarations, review the terms and conditions, and submit the application. The onboarding process typically takes around 15 to 20 minutes from start to submission.
Step 6: Attend a scheduled video KYC call at a time slot that suits your time zone. For joint accounts, all joint holders must be present during the call.
Approval timeline: If all required documents are correctly submitted and verified, HBL processes the account-opening request. Times may vary.
Once your account is active, you can fund it from abroad via bank wire transfers, exchange companies, or international remittance providers.
SWIFT transfers: Use Allied Bank's RDA-specific IBAN and SWIFT/BIC code (ABPAPKKARDA) for international wires. Ensure the sender includes the correct beneficiary name and remittance purpose to avoid processing delays.
Permissible credits: Only foreign inward remittances and permissible investment income can be credited to the Roshan Digital Account, in accordance with SBP regulations.
Instant availability: Once funds arrive, they become available immediately for bill payment, local transfers, ATM withdrawals, and investment subscriptions through Allied Bank's digital channels.
Activation note: The first funding is often required to activate certain facilities like cheque book issuance and debit card dispatch. Plan to make an initial transfer shortly after account approval.
Funds in your Roshan Digital Account can be remitted back without bank approval when standard documentation is in order, making the account a flexible vehicle for both saving and repatriation.
Ace Money Transfer is a digital remittance platform that provides an option for sending money to an Allied Bank Roshan Digital Account. If you are looking for a straightforward method to fund your RDA or send regular remittances to Pakistan, here is how the process works.
Create your account: Register or log in to your Ace Money Transfer account using your email, Google, or Apple ID. The setup is free and takes a few minutes.
Choose destination and payout: Select Pakistan as the destination country and choose bank deposit as your payout method. Pick Allied Bank as the receiving bank and enter your Roshan Digital Account IBAN number accurately along with the recipient's full name.
Select payment method: Pay using a debit card, credit card, or online bank transfer. Applicable charges and exchange rates are displayed before you confirm. Exchange rates fluctuate, and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.
Confirm and send: Add a payment reason, review the transfer details, and click "Pay Now" to initiate the transfer.
Track in real time: Use the reference tracking number provided by Ace Money Transfer to monitor your transaction status from dispatch to delivery.
Ace Money Transfer supports three payout methods in Pakistan: bank deposit (ideal for Roshan Digital), cash pickup at authorized partner bank branches, and mobile wallet crediting. For RDA holders, bank deposit is the most relevant option since it credits directly into your Allied Bank account.
ACE Money Transfer can be used as one option for sending funds to your digital account for purposes such as investment or family support. This is not financial or legal advice. Please consult a qualified professional.
Allied Bank's digital banking solutions provide digital banking solutions that power the entire Roshan Digital experience from abroad.
myABL mobile and internet banking give you 24/7 access for balance enquiry, local fund transfers, utility bill payments, mobile top-ups, and e-commerce payments. Account holders can access funds via mobile app or internet banking from anywhere in the world.
Free e-statements and alerts: Transaction notifications arrive via SMS and email in real time. You can manage debit card controls, including spending limits and channel enable/disable settings, directly through myABL.
ABL Muawin your banking assistant is Allied Bank's virtual assistant, designed to help users navigate services, get quick answers to common questions, and perform simple tasks within the app or website. Look for the search icon or kore img chat interface on the Allied Bank portal to start a conversation.
Hands-free interaction: Voice input and microphone features, where available, allow NRPs to interact without typing, which is especially helpful when using mobile devices on the go.
Online banking services include utility bill payments and real-time fund transfers, covering the practical needs of customers managing finances across borders.
One of the strongest reasons to open a Roshan Digital Account is the structured access to investment opportunities in Pakistan that would otherwise require physical presence and extensive paperwork.
Naya Pakistan Certificates (NPCs): These are government of Pakistan sovereign debt instruments available in PKR, USD, Euro, GBP, SAR, and AED. Naya Pakistan Certificates are available in multiple currencies and maturities ranging from 3 months to 5 years. Investments carry risk, and returns are not guaranteed; the value of investments can fall as well as rise. Both conventional and Islamic Naya Pakistan Certificates are offered through the State Bank of Pakistan.
Islamic Naya Pakistan Certificates: For RDA holders using the Allied Aitebar variant, Shariah compliant NPCs provide halal returns administered under SBP's Islamic finance framework.
Roshan Equity Investment: NRPs can invest in the Pakistan stock market through the Central Depository Company (CDC) using their RDA. This includes buying shares listed on the Pakistan Stock Exchange and subscribing to mutual funds online. Investment in shares and mutual funds is available through RDA without needing a separate brokerage account setup in person.
Real estate and Roshan Apna Ghar: RDA holders can invest in Pakistani property markets directly, or apply for Allied Roshan Apna Ghar home finance for residential units in Pakistan. Financing amounts and repayment tenures vary by product, eligibility, and applicable terms. Check the lender's current terms and conditions for the latest details.
Roshan Apni Car: Vehicle financing is available for new and used non-commercial vehicles, with amounts from PKR 200,000 to PKR 10 million and tenures up to 7 years.
Retirement planning: Long-term savings and pension solutions are available for overseas Pakistanis planning to retire in Pakistan, helping build a financial safety net over time.
Account holders can invest in Naya Pakistan Certificates, Pakistan Stock Exchange shares, and real estate, all managed through their RDA's digital channels without visiting bank branches.
The Allied Bank Roshan Digital Account is not just an investment vehicle. It serves the day-to-day financial needs of families back home.
Bill payments from abroad: NRPs can pay utility bills, school and university fees, medical bills, and insurance premiums directly from their digital account using internet banking or the myABL app.
Charity and Roshan Samaji Khidmat: The platform allows users to donate to registered charities, religious institutions, and social causes in Pakistan through a few clicks, fulfilling community and religious obligations from overseas.
Roshan Apni Car: Beyond investment, this facility allows NRPs to finance vehicles for their families in Pakistan through structured installment plans, with markup rates and repayment tenures varying by product, eligibility, and repayment tenures varying by product, eligibility, and applicable terms.
Debit card and cheque book: Account holders are provided with a free debit card and cheque book for their Roshan Digital Account. These support ATM withdrawals, POS purchases at retailers, and in-person payments when the account holder or a nominated family member is in Pakistan.
Whether you are paying your parents' electricity bill from Dubai or helping a sibling buy a car in Lahore, the account handles it without a single branch visit.
Roshan Digital operates under a regulatory framework set by the State Bank of Pakistan that is specifically designed to be favourable for NRPs and POC holders.
Tax-exempt deposits: For eligible NRPs, RDA deposit profits are tax-exempt, with no withholding tax. Tax rules may change. This is not financial or legal advice. Please consult a qualified professional.
NPC taxation: A 10% tax applies on profit from Naya Pakistan Certificates for NRPs. This is treated as a final tax under the Income Tax Ordinance, meaning no further filing obligation arises in Pakistan for that income.
Capital gains tax: A 15% tax on capital gains from shares and mutual funds applies for RDA holders engaging in investment activities through the Pakistan stock market.
Repatriation: Funds in the digital account, both principal and allowable returns, are fully repatriable without separate SBP approval when documentary conditions are satisfied. This applies equally to conventional and Islamic account variants.
FATCA and CRS compliance: Allied Bank requires FATCA confirmation during onboarding and aligns with international AML/CFT standards. NRPs should consult tax advisers in their country of residence regarding global income reporting obligations under FATCA, CRS, or local tax laws enforced by federal or provincial governments.
This section outlines the general framework. Always verify specifics with a qualified tax adviser familiar with both Pakistani and your host country's tax systems.
Here are answers to the most common questions from NRPs and POC holders considering the Allied Bank Roshan Digital Account.
How long does it take to open the account? The online form takes 10 to 15 minutes to complete. After submission and video KYC, account confirmation is provided within 48 hours for individuals.
What happens if I close the portal mid-application? Your progress may not be saved. It is best to complete the application in one session with all scanned copies of documents ready beforehand.
Can I open a joint account? Yes. Joint accounts are available for spouses and close family. All joint holders must submit their own documents and attend the video KYC session together, which can be scheduled across time zones.
How do I get my debit card and cheque book? After account activation and initial funding, Allied Bank dispatches a free debit card and cheque book to your registered address in Pakistan. You can activate these via the Allied Bank helpline or myABL app.
What is the difference between standard and low income RDA? The low income Roshan Digital Account has simplified requirements and reduced documentation but carries a monthly foreign inward remittance cap of USD 5,000 equivalent. The standard RDA has no such limit.
Can I use Ace Money Transfer to fund my RDA? Yes. Select Allied Bank as the payout bank on the Ace Money Transfer platform, enter your RDA IBAN and beneficiary details, and send money via bank deposit. Typical credit times depend on the sending corridor but are generally fast for bank deposits; rates and fees may vary. Visit acemoneytransfer.com for current rates and fees.
Do I need to be a Pakistani citizen? Not necessarily. Foreign nationals meeting SBP KYC/AML standards can also easily open a bank account through the RDA framework. POC holders with foreign citizenship are fully eligible.
The Roshan Digital Account is part of a broader effort by the government of Pakistan and Allied Bank to integrate the Pakistani diaspora into the country's financial mainstream. It is not a short-term promotional product; it is infrastructure built for the long haul.
Long-term relationship benefits include easier property and vehicle ownership, retirement planning through pension products, and the ability to financially support family and social causes from abroad digitally through secure digital channels without visiting bank branches.
Institutional stability: Banking with an established institution like Allied Bank Limited, a commercial bank in Pakistan that provides banking and financial services to customers, including overseas Pakistanis.
Growing ecosystem: As RDA adoption grows and more services become available, account holders can access features such as Naya Pakistan Certificates and selected financing products, subject to eligibility and applicable terms.
If you have been considering a way to easily open a bank account in Pakistan, manage your family's finances, or build long-term investments back home, the Allied Bank Roshan Digital Account is built precisely for that purpose.
Start your application on Allied Bank's Roshan Digital portal, gather your required documents using the checklist above, and use a trusted remittance partner like Ace Money Transfer to make your first deposit. Your connection to Pakistan's financial future starts with a 15-minute application.
Disclaimer: This article is intended for general informational and educational purposes only and should not be construed as legal, regulatory, tax, business, or financial advice. While reasonable efforts have been made to ensure that all facts, figures, and data are accurate and valid as of the date of publication, no warranty or guarantee is given as to the ongoing completeness, accuracy, or currency of the information.
The content is based on information available at the time of publication. Regulations, government policies, market conditions, and service offerings may change over time and vary across jurisdictions and providers. As a result, some information may no longer be current or applicable. Readers should independently verify all information and consult qualified professional advisors before making any financial, legal, or business decisions.
