Non-Resident Pakistani? Open your account
from anywhere in the world at UBL.
* For opening a joint account, please drop us an email at roshan@ubl.com.pk
* Recommended Browsers: Latest version of Chrome,Firefox,Safari & Edge
Roshan Digital Account empowers Non-resident Pakistanis to open accounts anytime, anywhere without visiting a branch in Pakistan.
Click on 'Apply for Roshan Digital Account' and follow the simple steps to open an Islamic or Conventional, Current or Savings account in either FCY (USD, EURO, GBP, SAR, AED) or PKR currency.
Once you have completed the form and submitted the documents our representative will get in touch with you within 48 hours. (If Required)
To manage your account and investments, you will receive an email with a link to access UBL Net-banking. Use the link to create a username and password to access and manage your account digitally.
You can view your account details including balance by logging in to Net-banking & UBLDigital App.
You can now invest into Stocks & Investment Certificates as well for attractive returns. Log in to Net-banking, Click on NRP Services & start investing!
Click here to view Terms & Conditions*For opening a joint account, please drop us an email at roshan@ubl.com.pk
Individual Non-Resident Pakistani Nationals (NRPs) having CNIC/ SNIC/ NICOP;
Foreign Nationals having Pakistan Origin Card (POC);
Employees or officials of the Federal Government or a Provincial Government posted abroad.
Resident Individual Pakistanis who have duly declared assets held abroad (foreign currency account only).
Original scanned CNIC/ NICOP/ POC
Original scanned Pakistani Passport (first 2 pages) (for NRPs, OPF members, and Government Employees posted abroad)
Original scanned other country Passport (first 2 pages) (for POC holders, if available)
Proof of NRP status (POC, visa, entry/ exit stamps, etc.)
Proof of Profession and Source of Income/ Funds (job certificate, tax return, rent agreement, salary slips, etc.)
Live /digital photo through Webcam
Signature on white paper/ scanned image of signature
Wealth statement declared in latest tax returns with Federal Board of Revenue (FBR) (For Resident Pakistanis Only)
* JPG, JPEG, PNG, and PDF (3 Pages maximum). Files can be uploaded with a recommended file size of 5 MB for each uploaded document
Invest in Naya Pakistan Certificates (NPCs) at very attractive risk free rates. Send money now in your UBL Roshan Digital account and use UBL Netbanking to invest in Naya Pakistan Certificates to start reaping the benefits. Below table details the amazing returns.
Currency | Minimum Investment | Rate of Return (Gross annual return before tax) | ||||
---|---|---|---|---|---|---|
3 - Month | 6 - Month | 12 - Month | 3 Years | 5 Years | ||
USD | USD Denominated: USD 1,000 with integral multiples of 500 | 8.25% | 8.50% | 9.00% | 8.00% | 8.00% |
PKR | PKR Denominated: PKR 10,000 with integral multiples of 1000 | 21.00% | 21.25% | 21.50% | 17.50% | 15.00% |
GBP | GBP Denominated: GBP 1,000 with integral multiples of 500 | 7.25% | 7.50% | 8.00% | 7.50% | 7.50% |
Euro | Euro Denominated: Euro 1,000 with integral multiples of 500 | 6.25% | 6.50% | 7.00% | 6.50% | 6.50% |
Currency | 3 Months Profit Payment at maturity | 6 Months Profit Payment at maturity | 12 Months Profit Payment at maturity | 3 Years Half year profit payment | 5 Years Half year profit payment | |||||
---|---|---|---|---|---|---|---|---|---|---|
Expected Return | Profit Weightage Assigned | Expected Return | Profit Weightage Assigned | Expected Return | Profit Weightage Assigned | Expected Return | Profit Weightage Assigned | Expected Return | Profit Weightage Assigned | |
USD | 8.25% | 1.70 | 8.50% | 1.85 | 9.00% | 2.10 | 8.00% | 2.20 | 8.00% | 2.30 |
PKR | 21.00% | 1.80 | 21.25% | 1.85 | 21.50% | 1.90 | 17.50% | 1.75 | 15.00% | 1.65 |
GBP | 7.25% | 2.10 | 7.50% | 2.20 | 8.00% | 2.30 | 7.50% | 2.50 | 7.50% | 2.60 |
EUR | 6.25% | 2.71 | 6.50% | 2.86 | 7.00% | 3.00 | 6.50% | 3.14 | 6.50% | 3.29 |
Mudarabah Pool | INPCCL (Mudarib) Share | Investor (Rab-ul-Maal) Share |
---|---|---|
PKR | 35% of distributable income | 65% of distributable income |
USD | 55% of distributable income | 45% of distributable income |
GBP | 65% of distributable income | 35% of distributable income |
EURO | 70% of distributable income | 30% of distributable income |
Minimum Investment |
---|
USD Denominated: USD 1,000 and integral multiples of USD 500 |
PKR Denominated: PKR 10,000 and integral multiples of PKR 1,000 |
GBP Denominated: GBP 1,000 and integral multiples of GBP 500 |
Euro Denominated: Euro 1,000 and integral multiples of Euro 500 |
Login to UBL Netbanking and click on NRP Services and then click on Naya Pakistan Certificates on the left bar
Select your Roshan Digital Account in the Pay from tab Select Product type 'NPC – Conventional' or 'INPC – Islamic' Select Tenure of investment from the options mentioned above. Select the amount to be invested a. Min 100,000 PKR in multiples of PKR 10,000 b. Min 5,000 USD/GBP/EUR in multiples of USD/GBP/EUR 1,000 Review T&C’s and click InvestEarly/Premature Encashment: For early encashment of certificate(s), please reach out to us at roshan@ubl.com.pk
For repatriation of your funds, please log in to Net-banking, click onNRP Services and navigate to Repatriate Funds to initiate the process.
Click here to view Terms & Conditions.
For FCY, currently only Fund Transfers in FCY/ PKR Accounts and Fund Allocation for PKR Investment Portfolio is allowed. Bill Payments, Mobile Topup and much more coming soon!
Bill Payments | Mobile Top Up | Funds Transfer – Linked Account | Funds Transfer – Within Bank | Inter Bank Funds Transfer | Investments | Donations | Currency Conversions* | |
---|---|---|---|---|---|---|---|---|
RDA - PKR Account | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
RDA - FCY Account | Coming Soon | Coming Soon | ✔ | ✔ | Coming Soon | ✔ | ✔ | ✔ |
*Limits : Customer with PKR Account can perform currency conversions upto Pkr 800,000 per day
Customers with FCY Account can perform currency conversions upto 5000 units of account currency per day
Are you seeking a reliable way to enhance your monthly income while enjoying competitive profit rates? Look no further! Introducing the UBL Mahana Aamdani Term Deposit - your path to higher monthly income! With attractive high yield profit rates, it’s time to make your money work harder for you.
Secure your financial future today! Click here to view the guidelines and procedure.
Roshan Digital Account holders can now invest in real estate via their RDA account. This feature allows them to make seamless investments as well as disinvestments and earn returns in the process. The feature also allows RDA account holders to rent out their property acquired (under this feature) and deposit rental payments into their RDA Account.
Click here to view the guidelines and processes
Roshan Digital Account holders can now easily apply for Roshan Apni Car for their loved ones on lowest Profit and Takaful rates.
Facility for lien/ pledge of equivalent amount of financing in Roshan Digital Account or investment in Islamic/ Conventional Naya Pakistan Certificate
Repricing on annual basisIslamic auto financing is based on Diminishing Musharakah contract and installment payment starts after the delivery of vehicle
To apply online, login to UBL Netbanking and click on NRP services.
*For Lien based financing, the tenor may vary as per the validity of the instrument.
Click here for Roshan Apni Car’s FAQs.
Easily send Zakat and Donations to your preferred charitable organizations from anywhere across the world. Login to UBL Netbanking and donate to over 35 charitable organizations.
Step 1: Log-in to UBL Netbanking Step 2: Select NRP Services and click on Roshan Samaaji Khidmat Step 3: Select your preferred organization & Enter amount Step 4: Click on Review and enter OTP Donations successfully made.Click here to view the list of available charitable organizations on UBL Digital App/Netbanking.
Call our 24/7 UBL Contact Center at: +92-21-32402919
Click here for enquiries/ feedback
For more information on Roshan Digital Account from State Bank of Pakistan, please visit http://www.sbp.org.pk/RDA/index.html or email at RDASupport@sbp.org.pk
SBP-MPD&SI Pakistan Remittances SurveyPlease click here or scan the QR below to complete a short survey on Remittances by SBP - MPD&SI
Resident Individual Pakistanis who have duly declared assets held abroad (foreign currency account only).
Pakistani Rupee Account (PKR). US Dollar Account (USD). Euro Account (EUR) Great British Pound Account (GBP) Saudi Riyal Account (SAR) United Arab Emirates Dirham Account (AED) Original scanned CNIC/ NICOP/ POCOriginal scanned Pakistani Passport (first 2 pages) (for NRPs, OPF members, and Government Employees posted abroad)
Original scanned other country Passport (first 2 pages) (for POC holders, if available) Proof of NRP status (POC, visa, entry/ exit stamps, etc. consolidated in a single image file)Proof of Profession and Source of Income/ Funds (job certificate, tax return, rent agreement, salary slips, etc. consolidated in a single image file)
Live /digital photo through Webcam Signature on white paper/ scanned image of signatureWealth statement declared in latest tax returns with Federal Board of Revenue (FBR) (For Resident Pakistanis Only)
Investment in upcoming government bonds/certificates will only be allowed for Roshan Digital Account with attractive rate of return
Repatriation/Return of funds invested by the customer through the source account (Back to the account where the amount was remitted from)
Transfer between your Roshan Digital FCY Account to Roshan Digital PKR Account Free of Cost Debit Card & Cheque Book delivery to the NRP customers in their respective countriesDigital Services available via App & Net banking (Customers can transfer funds to anyone, Bill payment, Mobile top-up, Zakat & Donation payments and all other transactions that are available in Net banking & Digital App)
*Conditions Apply. Zakat & Donations services are available for FCY & PKR accounts however rest of the digital services will soon be available for FCY account.