How to Open an HBL Roshan Digital Account: Step-by-Step Guide

HBL was one of the first banks to roll out the State Bank of Pakistan’s Roshan Digital Account (RDA) initiative through its eBanc Roshan Digital Account product, allowing overseas Pakistanis to open a fully functional bank account without visiting a branch. This guide walks through eligibility, documents, and the application steps.

Official HBL RDA page: hbl.com/ebancroshandigitalaccount HBL Islamic RDA page: hbl.com/islamic/ebanc-rda-islamic SBP official RDA portal (for reference): sbp.org.pk/RDA/index.html

Who Is Eligible

Non-Resident Pakistanis (NRPs) holding a valid CNIC, NICOP, or Pakistani passport
Foreign nationals holding a Pakistan Origin Card (POC)
Pakistani government employees or officials posted abroad

Residents of Pakistan, including family members of an NRP living locally, are not eligible for this account.

Documents You Will Need

Valid CNIC, NICOP, or passport copy
Proof of overseas residency (such as a residence visa, work permit, or utility bill from your country of residence)
A recent photograph
Your overseas bank account details, since the account can only be funded via inward remittance from outside Pakistan

Step-by-Step: Opening the Account

Visit the Official HBL RDA Page Go to hbl.com/ebancroshandigitalaccount and click “Apply Now.”
Select Account Type and Currency Choose between a Pakistani Rupee account or a foreign currency account (USD, GBP, EUR, or AED depending on current availability), and select current or savings.
Enter Personal and Contact Details Fill in your CNIC/NICOP number, passport details, current overseas address, and contact information.
Upload Required Documents Upload clear scans or photos of your identification and proof of overseas residency.
Verify via OTP HBL sends a one-time password to your registered mobile number and/or email to confirm your identity and application.
Review and Submit Confirm all entered details are accurate before final submission, since corrections after submission may require contacting HBL support directly.
Await Confirmation HBL typically processes RDA applications within a few business days once documentation is complete. You will receive account details, including your IBAN, via email once approved.

Funding Your Account

The account must be funded exclusively through remittances sent from outside Pakistan; local transfers from within Pakistan are not accepted as initial or ongoing funding sources. Once funded, HBL does not charge for incoming remittances, though the sending or correspondent bank may apply its own charges.

What You Can Do With the Account

Send remittances to family in Pakistan
Invest in Pakistan Investment Bonds, Naya Pakistan Certificates, and similar government securities
Trade shares on the Pakistan Stock Exchange through a linked CDC arrangement
Apply for HBL’s Roshan Apni Car and Roshan Apna Ghar financing products
Manage the account fully through HBL’s mobile app

Getting Help

If you run into issues during the application process, HBL provides support via:

Email: ebanc.roshanaccount@hbl.com
Phone: +92 21 111 555 425
Live chat on the official HBL RDA page

For broader RDA-related complaints or feedback, SBP also accepts queries at RDAsupport@sbp.org.pk.

Final Thoughts

Opening an HBL Roshan Digital Account is designed to be a fully remote process, but having your documents ready in advance, proof of overseas residency, valid ID, and a clear funding plan, makes the process smoother. Since account features, currencies offered, and processing times can change, always confirm current details on HBL’s official page before applying.