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Pakistan · Banking & PaymentsBank AL Habib
Bank AL Habib's Roshan Digital Account for Foreign Nationals is a Pakistani bank account that foreigners open fully online with a passport, then use for rupee payments, a debit card and investments in Pakistan.
What it helps with
- Opening a Pakistani bank account as a foreignerForeign nationals apply online with a passport, proof of income, a scanned signature and a live photo, in about 10–15 minutes.
- Account in rupees, dollars or eurosThe account can be held in PKR or in USD, GBP, EUR, SAR or AED, and funds are fully repatriable.
- Investing in Pakistan from abroadThe account gives access to term deposits, Naya Pakistan Certificates, government debt securities, mutual funds, shares and property.
About Bank AL Habib
Bank AL Habib is a Pakistani commercial bank offering Roshan Digital Accounts, which the government expanded to foreign citizens in March 2026. Foreign nationals can open current or savings accounts, individually or jointly, in conventional or Islamic versions, in PKR or in USD, GBP, EUR, SAR and AED. The application takes 10–15 minutes online, and confirmation is emailed within 2 working days once documents are complete. There is no minimum balance, and no fee for opening, maintaining or closing the account.
Key Features
- Online opening: The form, document upload and live photo are completed in a web browser.
- Several currencies: Accounts are available in PKR, USD, GBP, EUR, SAR and AED.
- Mobile and net banking: Registration for AL Habib Mobile and Netbanking is free.
- Investments: Funds can go into Naya Pakistan Certificates, term deposits, government securities, mutual funds, shares and property.
How to Get Started
- Open the AL Habib Roshan Digital Account for Foreign Nationals page and start the online application.
- Enter your details, confirm the OTP sent to your email and choose a PKR or foreign currency account.
- Upload your passport, proof of income and scanned signature, then take a live photo.
- After the confirmation email, fund the account by remittance from abroad and register for AL Habib Mobile.
Before you use it
- Limits: The account can be funded only by remittances from abroad through banking channels, not by cash deposits in Pakistan.
- Good to know: A debit card is issued only for the PKR account, and the PKR account must be funded within 9 days for the card to be produced.
- Sign-up: Sign-up uses an email OTP; account confirmation is emailed within 2 working days if documents are complete.
- Limits: Foreign currency accounts cannot be used for cash withdrawals or PKR payments to people resident in Pakistan.
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Frequently Asked Questions
- Does Bank AL Habib work with a foreign bank card in Pakistan?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is Bank AL Habib available in English?
- Yes, Bank AL Habib has an English-language interface.
- Do I need a local phone number to use Bank AL Habib?
- No, an international phone number generally works for Bank AL Habib.
- Do I need local ID or residency for Bank AL Habib?
- No, Bank AL Habib doesn't require local ID or residency for visitors.
- Where can I use Bank AL Habib?
- iOS · Android · Web
- How much does Bank AL Habib cost?
- No opening, maintenance or closing fees; no minimum balance or initial deposit