Roshan Digital Accounts Reach 975,602 With $14.16 Billion Received, SBP Data Shows

Short answer: The State Bank of Pakistan (SBP) says 975,602 Roshan Digital Accounts had been opened by the end of September 2026. Overseas Pakistanis have sent $14.157 billion into them since launch, and $3.073 billion is still in the system and can be sent back abroad.

That is 9,458 more accounts than at the end of August, and $251 million more in funds. The figures are the latest row of the SBP's own key statistics table for the Roshan Digital Account (RDA). We opened that page on 12 October 2026 and read the numbers directly.

The RDA is a bank account that a Pakistani living abroad can open from a phone, without visiting a branch. The SBP runs it with commercial banks. Our guide on how to open a Roshan Digital Account covers the steps. This article is about what the new numbers show.

975,602 accounts were open at the end of September 2026

The SBP table shows 975,602 accounts at the end of September 2026, against 966,144 at the end of August and 862,357 in September 2025. That is 113,245 more accounts in a year, a rise of 13.1 per cent by our arithmetic.

The SBP marks these figures as provisional, so a later revision is possible. Monthly additions have stayed close to 9,000 to 10,000 for the last four months.

The "added in the month" column is our own subtraction from the SBP totals. The SBP does not publish it as a separate figure.

$14.157 billion has been received since launch

Account holders have received $14.157 billion in total, converted to US dollars at month-end rates. That is $251 million more than in August and about 27.4 per cent more than the $11.108 billion recorded in September 2025.

The SBP counts all currencies together, including dollars, pounds, euros and rupees. So the figure is a total value, not a count of dollar transfers only. Spread across all accounts, it works out to about $14,500 an account, though this is only an average and many accounts hold far less.

Monthly inflow has eased a little. Funds rose by $306 million in June, $282 million in July, $259 million in August and $251 million in September. One more month will show whether this is a trend.

Most of the money was spent or moved inside Pakistan

Of the $14.157 billion received, $8.937 billion was used locally and $2.146 billion was sent back abroad. That is about 63 per cent used inside Pakistan and 15 per cent repatriated. The rest, $3.073 billion, is the money still held.

The SBP defines "utilised locally" as money that has been consumed and is no longer owed to the account holder. It includes transfers to non-repatriable accounts, cash withdrawals, bill payments, card spending, fee payments and mobile top-ups.

The shares are our calculation from the SBP figures. If you plan to send money back, our guide on tax rates and sending your Roshan money back abroad explains how repatriation works.

Naya Pakistan Certificates hold about 69 per cent of what remains

Of the $3.073 billion still held, $2.115 billion sits in Naya Pakistan Certificates, $153 million in shares, $725 million as plain account balances and $80 million in other liabilities. The certificates are the single largest holding by far.

The SBP splits the certificates into two columns: $740 million in conventional certificates and $1.375 billion in Islamic ones. A year earlier the two together were $1.469 billion, so certificate holdings are up by $646 million, or about 44 per cent.

1. Naya Pakistan Certificates, conventional: $740 million.
2. Naya Pakistan Certificates, Islamic: $1,375 million.
3. Roshan equity investments: $153 million.
4. Balances in accounts: $725 million.
5. Other liabilities: $80 million.

The Islamic certificates are almost double the conventional ones. Our guide to how overseas Pakistanis buy Naya Pakistan Certificates sets out the profit rates and the buying steps.

What the numbers mean for an overseas Pakistani

The data shows that most RDA money is spent or moved inside Pakistan, and that the part still held is mostly in certificates, not idle balances. It does not show profit, because the SBP states that the data does not include profits, gains or losses.

It also does not tell you what any single account earns. Check the rate card of your own bank before you invest. Several RDA features are covered in separate pages, including Roshan Apna Ghar home finance and Roshan Apni Car.

The same week, the SBP reported that workers abroad sent $3.59 billion home in September, as covered in our report on September 2026 remittances. Remittances and RDA funds are counted separately, so the two figures should not be added together.

Common questions

How many Roshan Digital Accounts are there?

The SBP shows 975,602 accounts opened up to the end of September 2026. The column is headed "number of accounts opened", and the page does not say whether closed accounts are taken out.

How much money has come in through Roshan Digital Accounts?

The SBP shows $14.157 billion received up to the end of September 2026. This is the total of all currencies converted to US dollars at month-end rates.

How much has been sent back abroad?

$2.146 billion has been repatriated, which is about 15 per cent of the funds received. A further $8.937 billion was used locally.

What is the net repatriable liability?

It is the SBP's name for the money still held that an account holder could send back abroad. In September 2026 it was $3.073 billion. It does not include profits, gains or losses.

Are these figures final?

No. The SBP marks them as provisional, which means they can be revised in later updates. We have not seen a revision for this month yet.

When does the SBP update the table?

The table is by month end and the September row was already on the page on 12 October 2026. We do not know the exact publication date of each update, so we say only what the page showed on that day.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read the Key Statistics table on the Roshan Digital Account section of the State Bank of Pakistan website, sbp.org.pk, on 12 October 2026. All dollar figures and account counts come from that page. Percentages and monthly additions are our own arithmetic from its rows. We have not seen the SBP publish a press release for this table, so we cannot say which day the September row went up.