Roshan Digital Account
Non-Resident Pakistani? Open your account from anywhere in the world at UBL.

*For opening a joint account, please drop us an email at
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Digital Account Opening & Stock Investment

Investment in Naya Pakistan Certificates





Roshan Digital Account empowers Non-resident Pakistanis to open accounts anytime, anywhere without visiting a branch in Pakistan.
Account Opening Process

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

Naya Pakistan Certificates

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.

Annualized Rate of Return

Conventional Naya Pakistan Certificates
3 Months 6 Months 12 Months 3 Years 5 Years
USD 5.50 6.00 6.50 6.75 7.00
PKR 9.50 10.00 10.50 10.75 11.00
GBP 5.25 5.50 5.75 6.25 6.50
EUR 4.75 5.00 5.25 5.50 5.75
Expected Profit Rates and Weightages For Islamic Naya Pakistan Certificates
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 5.50 1.70 6.00 1.85 6.50 2.10 6.75 2.20 7.00 2.30
PKR 9.50 1.10 10.00 1.20 10.50 1.25 10.75 1.27 11.00 1.30
GBP 5.25 2.10 5.50 2.20 5.75 2.30 6.25 2.50 6.50 2.60
EUR 4.75 2.71 5.00 2.86 5.25 3.00 5.50 3.14 5.75 3.29
  • 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 Invest
  • Early/Premature Encashment: For early encashment of certificate(s), please reach out to us at
Eligibility Criteria

Individual Non-Resident Pakistani Nationals (NRPs) having CNIC/ SNIC/ NICOP;

Foreign Nationals having Pakistan Origin Card (POC);

Resident Individual Pakistanis who have duly declared assets held abroad (foreign currency account only).

Required Documents

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

Transactions with FCY/PKR Conversions

Pay bills, transfer funds, top up a mobile & much more, anywhere in Pakistan, using your NRP PKR or FCY account


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.

Complaint Handling

Write to us at

Call our 24/7 UBL Contact Center at: +92-21-32402919

Click here to lodge an online complaint

You can also Chat with us

SBP-MPD&SI Pakistan Remittances Survey

Please click here or scan the QR below to complete a short survey on Remittances by SBP - MPD&SI

Frequently Asked Questions

Account Opening

Account Features (PKR) Account

Account Features (FCY) Account