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Open Roshan Digital AccountLive Chat
Simplified Online Digital Account Opening for Overseas Pakistanis
Convenient & Riba-free
For the convenience of overseas Pakistanis, Meezan Bank is pleased to offer Meezan Roshan Digital Account to all Non-Resident Pakistanis (NRPs) residing across the world. Meezan Roshan Digital Account enables overseas Pakistanis to open a bank account digitally /online from anywhere outside Pakistan without visiting a branch and permits account holders to send money into the account.
Key Features
- Open a Current or Savings Account in PKR or Foreign Currencies (USD / GBP / EUR)
- Invest in Meezan Bank’s Term Deposit products
- Account can be funded through foreign remittances only
- Allows you to send money to your own account outside Pakistan without any approval from the Bank or State Bank of Pakistan
- Pay utility bills and fees and conduct other fund transfers in Pakistan through PKR and FCY accounts using Internet Banking facility. Note: These pertain to local payments within Pakistan only
- Invest in Shariah-compliant shares and Sukuk listed on Pakistan Stock Exchange (PSX) by opening your account in Central Depository Company (CDC). To invest Click Here Now
- Invest in Shariah-compliant scheme of Islamic Naya Pakistan Certificate (INPC). To invest Click Here Now
- Invest in Shariah-compliant Mutual Funds with Al Meezan Investments. To invest Click Here Now
- Account will be opened within 48 hours subject to completion of all documentation and formalities
- No local deposits are allowed except profit/proceeds from investments allowed by State Bank of Pakistan into Meezan Roshan Digital Account
- Issuance of debit card and cheque book. To apply Click Here Now
- Free debit card for customers who have remitted in their PKR Meezan Roshan Digital Account. Applicable on first-time issuance only.
Other Features
Conversion
Real-time conversion from Foreign Currency to PKR and vice versa
Relationship
Dedicated Realtionship Management Team
Services Charges
No service charges
Security
Secure Digital/Online Account opening through OTP confirmation
Free Debit Card
Free issuance of debit card
Free Internet Banking
No charges on Internet Banking usage
No Initial Deposit
No initial deposit for account opening
Minimum Balance
No minimum balance requirement
Please carefully read and understand the eligibility criteria to start the account opening process. Kindly ensure availability of the below enlisted documents so that you can upload these with your account opening application.
Required Documents
- Scanned Copy of your CNIC/NICOP/POC
- Scanned Copy of Passport’s first 2 pages (Pakistani and/or foreign country)
- Photograph (Live Photo)
- Signed & Scanned Signature Specimen Card (SSC):
- Click here for guidelines to provide the SSC on plain paper
- Click here to download and print the pre-defined SSC
- Proof of NRP Status (scanned copy of POC, visa, entry/exit stamps etc.)
- Proof of profession (Job Certificate, Employee Card, Iqama, Retirement Letter, Business Registration Document, etc.)
- Source of Income (Salary Slip, Account Statement, Tax Statement, Rental Agreement, Pension Book, etc.)
- Please click here for indicative list of documents to assess the 'Proof of Profession and Source of Income / Fund'
Note: "Please upload documents in Urdu, English or Arabic languages only. In case of any other language, please upload certified translation from an online verifiable and authentic source."
Eligibility Criteria
- Individual Non-Resident Pakistani Nationals (NRPs) having CNIC/SNIC/NICOP
- Non-Resident Individuals / Foreign Nationals having Pakistan Origin Card (POC)
Want to Open a Roshan Digital Account
Pak Rupee Account Apply Now
Foreign Currency AccountsApply Now
Shariah-compliant Investment Options for Meezan Roshan Digital Account Holders
Roshan Equity Investment(only for Meezan Roshan Digital PKR Account Holders)
Learn More
Islamic Naya Pakistan Certificate(only for Meezan Roshan Digital Account Holders)
Learn More
Al Meezan Mutual Funds(only for Meezan Roshan Digital PKR Account Holders)
Apply Now
Roshan Apna Ghar Learn More
Roshan Apni Car Learn More
Roshan Samaaji KhidmatLearn More
Roshan Pension PlanLearn More
Meezan Roshan Resident Account
A special account for Resident Pakistanis with declared assets abroad, as per latest tax returns
Learn More
FAQs
Feedback / Suggestion Form
Complaints Form
Helpful Downloads: Internet Banking Guidelines Term Deposit Remittance Form RDA Schedule of Charges PSX Trading Guidelines
How does Meezan Roshan Digital Account work?
Meezan Roshan Digital Account is offered in both current & savings accounts under the Islamic concept of Qard & Mudarabah.
Profit Sharing Ratio
PKR Savings Account
Bank will share 50% of Gross Income as Mudarib
Depositor will share 50% of Gross Income as Rab-ul-Maal
USD Savings Account
Bank will share 75% of Gross Income as Mudarib
Depositor will share 25% of Gross Income as Rab-ul-Maal
GBP Savings Account
Bank will share 90% of Gross Income as Mudarib
Depositor will share 10% of Gross Income as Rab-ul-Maal
EUR Savings Account
Bank will share 90% of Gross Income as Mudarib
Depositor will share 10% of Gross Income as Rab-ul-Maal
Weightages
Weightages for the Month of July 2024
| Products | Tier Groups | Weightage Assigned |
|---|---|---|
| Meezan Roshan Digital Account (PKR) | Monthly | 0.40 |
| Meezan Roshan Digital Account (US Dollar) | Monthly | 0.58 |
| Meezan Roshan Digital Account (GBP) | Monthly | 0.27 |
| Meezan Roshan Digital Account (Euro) | Monthly | 0.27 |
Consolidated Weightages
Profit Rates
Profit Rates for the Month of May 2024
| Products | Tenure | Profit Assigned |
|---|---|---|
| Meezan Roshan Digital Account (PKR) | Monthly | 11.01% |
| Meezan Roshan Digital Account (US Dollar) | Monthly | 2.00% |
| Meezan Roshan Digital Account (Pound) | Monthly | 1.25% |
| Meezan Roshan Digital Account (Euro) | Monthly | 1.20% |
Profit Rates
Historical Profit Rates
Mudarabah Basis
On agreeing to become a Pak Rupee / Foreign Currency Account holder, the customer enters into a relationship based on Mudarabah with Meezan Bank. Under this relationship, the customer is an Investor (Rab-ul-Maal) and the Bank is the Manager (Mudarib) of the funds deposited by the customers. The Bank allocates the funds received from the customers to a deposit pool; funds from the pool are utilized to provide financing to customers under Islamic modes that include, but are not restricted to Murabaha, Ijarah, Istisna and Diminishing Musharakah.
Qard Basis
Current Account (Pak Rupee / Foreign Currency) is based on Qard contract. The Bank can use these funds for investment and other purposes. This account allows you the peace of mind of having your money safely deposited with a bank with the additional assurance that the Bank is not investing your money in activities that contravene Shariah principles.
For your valuable comments, feedback or complaints, you may contact us in the following manner:
Connect via email: [emailprotected]
Call us 24/7 at: +92 (21) 111-331-331 & +92 (21) 111-331-332
For further information on Roshan Digital Accounts from State Bank of Pakistan (SBP) you may visit https://www.sbp.org.pk/RDA/index.html
You may also share your suggestions/ feedback on Roshan Digital Account with SBP at [emailprotected]
In case you are not satisfied with the resolution provided by the Bank regarding your complaint or wish to register a grievance with the State Bank of Pakistan regarding Roshan Digital Account,
you may lodge your complaint at https://complaint.sbp.org.pk/or through the App available at Google Play Store
