If you hold a NICOP or Pakistani passport and live abroad, the Roshan Digital Account is the State Bank of Pakistan’s official banking channel built for you. It lets you open a Pakistani bank account remotely, move funds in legally, and invest — including in property — without flying home.
What the RDA actually is
An RDA is a full bank account with a participating Pakistani bank, opened entirely online with your NICOP/POC and proof of overseas status. Funds enter through formal banking channels, which matters twice: your money is documented on the way in, and repatriable on the way out under the scheme’s rules.
This guide is general information, not tax or legal advice — your position in your country of residence is specific to you, and we will point you to the right professional where needed.
Talk to a DHA advisor about what this means for your purchase
WhatsApp a DHA advisorHow a remote DHA purchase runs through it
In practice the sequence is: open the RDA with your chosen bank; shortlist and verify the property (we handle DHA verification and share the file with you); move funds into your RDA; pay through banking channels against the agreed milestones; and execute the transfer — in person if you are visiting, or through an attested power of attorney if not.
Our desk manages the property side end to end and coordinates with your bank on the payment side. You see every document before any step is taken.
Questions we hear every week
Can my spouse’s name go on the file? Can I sell later and take the proceeds back out? What if I do not have a NICOP yet? All answerable, all case-specific — bring them to a WhatsApp consultation and we will walk your exact situation.
