Your digital partner in Pakistan's Cash-Less Revolution
Partnered with one of the leading banks of Pakistan, ISTIQEME enables Pakistani citizens, merchants and overseas Pakistanis to access secure digital financial services across Pakistan and globally. ISTIQEME is actively shaping Pakistan’s transition towards a digital and cashless economy
What We Do
- Digital Account Opening
For locals and overseas Pakistanis — fast, compliant, and supported by top banks. - QR Merchant Acquisition
We help businesses of all sizes start accepting digital payments with ease. - Installation of POS Machine Terminals We Install state of the art most advanced POS machines at your business.
- Field Deployment & Onboarding Support. From KPK to Karachi, our on-ground teams help banks scale securely and quickly
Our Impact So Far
SMART ACCOUNTS | QR Merchant Accounts | POS TERMINALS
Operating in 10+ Major Cities
National Level Reach With Ground Ready Team
Trusted by Leading Banks
Proudly partnered with top-tier banks to drive nationwide digital transformation.
United Bank Limited (UBL)
UBL Smart Account
Roshan Digital Account (RDA)
For Overseas Pakistanis
Our Services
- For Citizens
Open your digital bank account in just a few steps — no long queues, no paperwork hassles. - For Merchants
Start accepting Digital Payments through POS machines or QR Codes instantly with seamless onboarding and zero setup stress. - For Overseas Pakistanis
Manage your finances from anywhere in the world through our Roshan Digital Account (RDA) support. - For Banks & Fintechs
Expand your reach with our trained, on-ground team for digital onboarding, merchant acquisition, and support.
Choose your digital journey with us
Open Digital Account
Become a Digitally empowered Merchant
Partner with Istiqeme
Open Your Digital Foot Print Now
Research and Key Statistical Data
- All
Pakistan recorded $205 million in gross inflows through the Roshan Digital Account (RDA) in October 2025, pushing the cumulative total since the programme’s launch in September 2020 to a strong $11.313 billion, as per newly released State Bank of Pakistan statistics. The October figure stands above both trend benchmarks: the six-month average of $189 million and the long-term average of $182 million, indicating a renewed pickup in RDA...
The inflow of overseas workers’ remittances into Pakistan stood at $3.4 billion in October 2025, the State Bank of Pakistan (SBP) data showed on Friday. Remittances increased by nearly 12% year-on-year (YoY), compared to $3.1 billion recorded in the same month last year. On a monthly basis, remittances were up over 7%, compared to $3.2 billion in September. During the first four months of the fiscal year (4MFY26), remittance...
Pakistan received $3.2 billion in workers’ remittances in September 2025, according to data released by the State Bank of Pakistan (SBP). The inflow reflects an 11.3% year-on-year (YoY) increase compared to $2.9 billion in September 2024, and a 1% month-on-month (MoM) rise from August 2025’s $3.1 billion. Cumulatively, remittances during the first quarter of FY26 (July–September 2025) reached $9.5 billion, up 8.4% from $8.8 billion in the corresponding...
What Our Clients Say
Testimonials
Construction Worker
Rizwan Ali
"I was hesitant at first, but Istiqeme’s team explained everything so clearly. Opening a Roshan Digital Account was the best decision I made. Now, I can easily send money back home, and the returns on my savings are great. It’s a secure and simple way to manage my finances while living abroad."
Electrician
Kashif Ahmed
"Thanks to Istiqeme, I learned about the Apna Ghar and Apni Gari packages through Roshan Digital Account. I’m now in the process of buying a home in Pakistan and getting a car for my family. The process was smooth, and the team was always there to guide me. I never thought I could achieve this from so far away!"
Retail Worker
Shazia Khan
"Istiqeme’s online campaigns caught my attention, and I’m so glad I followed through. Opening a Roshan Digital Account has made life so much easier. I can invest in Naya Pakistan Certificates and watch my money grow without any hassle. It’s a perfect way for me to stay connected to Pakistan while I work in the UAE."
Truck Driver
Farhan Saeed
"Opening a Roshan Digital Account was a smooth process, thanks to Istiqeme's guidance. I can now pay my bills in Pakistan, send money to my family, and even invest in real estate back home—all from my phone. It feels great to have this level of control and security while living abroad."
Learn More From
Frequently Asked Questions
A Roshan Digital Account (RDA) is a special bank account designed for Overseas Pakistanis to easily manage their finances in Pakistan from anywhere in the world. It offers a range of banking and investment options, including funds transfer, bill payments, and investments in Naya Pakistan Certificates, real estate, and more. Any Pakistani national living abroad, including Non-Resident Pakistanis (NRPs) and those with dual nationality, can open an RDA.
The Apna Ghar and Apni Gari packages are exclusive financing options available through the Roshan Digital Account. The Apna Ghar package allows Overseas Pakistanis to invest in real estate in Pakistan, while the Apni Gari package offers financing to purchase a car in Pakistan. These packages make it easier for RDAs holders to invest in property or buy a vehicle for their family back home, all managed conveniently through their RDA.
Opening a Roshan Digital Account is a simple and quick process that can be done entirely online. You will need to provide basic personal information, proof of your Pakistani nationality (such as your CNIC/NICOP or passport), proof of your non-resident status (like a visa or residence permit), and a recent photograph. Once your application is submitted, your RDA can be opened within 48 hours.