Raqami Islamic Digital Bank (RIDBL) is a State Bank of Pakistan-regulated digital bank offering Shariah-compliant banking for individuals in Pakistan. Its mobile app enables eligible residents with a valid CNIC to open an account online, without visiting a branch, and access banking services around the clock. Customers can choose a current account for everyday transactions or a savings account that uses profit-sharing through approved Islamic avenues. Mudarabah Certificates provide fixed-term savings with Shariah-compliant profit, while PayPak debit cards can be managed in the app, including freezing the card.

Raqami supports cash deposits through more than 700 Askari Bank branches, bank cash deposit machines and transfers from other banking apps. Customers can withdraw through Askari Bank ATMs and ATMs nationwide, or send money directly to other bank accounts. The bank also provides customer support 24/7, along with information on Shariah governance, account eligibility, transaction limits, fees and complaint channels. Its services combine digital convenience with a stated commitment to Islamic finance principles.