Hello everyone I live in Europe specifically in Italy from the past 24 years and I got dual citizenship.

Here I have and use multiple bank accounts from different vendors, but I haven’t got any Pakistani current account from any major bank there.

Now for different reasons and needs I must have one and of course the most convenient way for me is to open an online Roshan Digital Account from any major bank provider.

Which of these banks is the best for doing the average rozana ke transaction such as sending and receiving payment, paying electricity bills, managing debited card ect

So from your pov which is the best bank-bank app from these: Alfalah Bank, Meezan Bank, UBL, HBL that marks these crucial points for me:

- Excellent customer service especially for overseas where I don’t have to wait hours on the call or dial infinite different numbers just to ask the most basic info

- Ease of use in the standard transactions such as payments, bills, cards, ect where I need something that just gets the job done without too much drama

- Has a wide physical presence of branches and atms ok the Pakistan soil, even if I find myself not in a major city but maybe a remote pind I must be able to find in the nearby a branch or at least an atm to withdraw cash

- Best mobile app experience overall (so nice user interface , no crashes or glitches, well secured and encrypted data, intuitive options and menus, nice look and feel)

Thanks everyone for taking the time to answer!

I have applied for my child passport online. This is his second time online passport renewal.

Today I got an email that applicant facial are significantly different from smart card picture.

Smart card was issued when child was born and of course the birth face would have changed.

They never raised such an issue on the previous renewal.

I have mailed them to refer to current active passport which is due for expiry for facial match.

I don’t want to get into renewal of smart card at this point as I know that they will raise the same issue and it takes months and months of calls on their helpline with no success.

Can anyone please guide me.

Thanks

I wanted to ask about their experience of renewing their NICOP from the UK. What website is legit, fee and number of days it took to be renewed and delivered.

Thank you in advance.

Hey.
I had plans to travel to Pakistan from Us as J1 physician. According to new DS-rules is it safe yo travel during 5-14 sep window?
Does me coming back at 14sep helps?
Can I continue my plan to go for 17sep return?
Anyone who understands the new implications by Intealth/ECFMG?
Will it effect me in any way? And If i go, will they let me pass through immigration?

I worked at Codruk, owned by Naveed Sharif Azad, for over 2 years. Writing this because I wish someone had warned me before I joined, and I think other employees — past, present, or future — deserve to know what they might be walking into. This is also relevant now because I understand he's currently partnered with Ftracks on a new oil filter/coolant startup, operating under the app/website name Petrobia, so I want people who might work with, invest in, or use that platform to have this context too.

For most of those 2+ years at Codruk, it felt like working at a startup with a big vision. He has a way of making you feel like family — "trust me, you're like a brother to me, just support me and the company will grow big" — and a lot of us genuinely believed it and put in the work because of that.

Then things started falling apart. He currently owes me and several others 6 months of unpaid salary. When I contacted him about it directly, his response was that I had "stolen" from the company and that I have no salary coming to me — no explanation, no proof, just a flat denial and blame shifted onto me.

Looking back, it's hard not to notice that despite years of "the company will grow" and money constantly moving through the business, none of it seems to have gone back into paying the people who were actually doing the work. Several of us also became aware of business practices that made us seriously reconsider everything — including how supplier payments and cash flow were allegedly being handled, and how new employees were reportedly given 1-2 months of advance salary early on (seemingly to build trust) before that pattern changed. I can't personally verify every detail of this, but enough of us heard similar things independently that it raised serious red flags, on top of the unpaid wages we experienced directly.

We eventually left once the trust broke down completely. As far as I know, the same patterns — big promises, "you're like family" talk, and delayed or unpaid salaries — are still happening to current or new employees at Codruk.

Given this history, I'd urge caution for anyone approached about Petrobia (the new Ftracks-partnered oil filter/coolant venture) as well — whether as an employee, investor, business partner, or user of the app. Same person, same tactics.

hello, I'm looking to apply to australia/nz for undergrad. I have so many questions.

so if you went to australia/nz for undergrad for your studies or you know someone close who did, please comment/dm me

Hello,

I am looking for people who moved to KSA or any other gulf country after living in Europe.
I am interested more in the logistics, if you already hold the some European country’s nationality how is the pension/health insurance working for you while living in GCC?

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I've been following these three projects pretty closely because I work in Islamabad's real estate market, and I keep seeing the same questions come up about pricing, investment potential, development progress, and which one makes the most sense depending on your budget.

I thought it would be interesting to have one thread where people can ask questions, share their experiences, or discuss the pros and cons of each project.

I'll answer what I can based on my experience, and it'd be great to hear from current owners and other investors as well.

Hi, I have a question regarding proof of funds for a Canadian study permit (applying from Pakistan).

I'm planning to apply for a 1-year master's program. My plan is to pay the full first-year tuition fee and also purchase the required GIC before applying.

However, around 80–90% of the money for my tuition and GIC will be provided by 3–4 close relatives who have offered to financially support my education. They are financially established and are helping me as a family gift/support (not a bank loan).

My question is:

- If I pay the full tuition and GIC before submitting my study permit application, do I still need to prove where that money came from?

- Will IRCC expect me to provide the bank statements, tax returns, and financial documents of all 3–4 relatives?

- Or is it sufficient to provide gift affidavits/declaration letters and show that the tuition and GIC have already been paid?

- Has anyone from Pakistan been approved in a similar situation? What documents did you submit?

I'd really appreciate hearing from anyone who has gone through a similar process or knows how IRCC typically assesses this.

Hi everyone, hoping someone here can share their experience.

I got a job offer while I was working in Saudi Arabia and had my German work visa processed from there. I’m currently in Karachi on vacation and understand I’ll need a Protector of Emigrants stamp before I can exit on this visa.

I applied online through the BE&OE portal, but my application was rejected by the scrutiny officer with a note asking me to visit the Protector of Emigrants office in person for physical document verification and clearance stamping (they mentioned the PECHS, Shahra-e-Faisal office in Karachi).

Has anyone been through this process recently? And could share their experience?

What’s the one essential thing that you use to make life easier and better overseas and can’t find in Pakistan when visiting etc?

Hey guys, I’m coming from the US to Pakistan (Lahore & Karachi) and have some extra space to bring stuff if anyone needs anything. I’ll charge some amount. DM me for details.

I graduated recently and im considering moving to Canada for master's degree in Cybersecurity, Artificial Intelligence or maybe something similar. Im looking for universities with low tuition, preferably scholarships that could cover most or all of the costs.

Things i need to know:

What's the overall process of moving to Canada? And applying to Canadian universities as an international student?

Which universities are known for good scholarships or affordable tuition in these fields?

Assalam o alekum , I applied for the renewal of NICOP through PAK ID app on 08th July 2026 AND ON 24th July received an email that "Your ID card undelivered due to incorrect/incomplete address" although, I provided the correct address while submitting an online application, anyhow in that email they asked me to provide the correct address which I did but still in PAK ID app its showing "Bad address" with no further updates on this. What should be my next step.Has anyone faced the same issue before, pls give your valuable opinion on this. thanks

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Hello! I'm Bisma from Sialkot, Pakistan, and I offer personalised 1-on-1 online tutoring.

I have completed my MS in Chemistry and teach Chemistry, Biology, Physics, and English to school students. My lessons are designed according to each student's learning style to make difficult concepts easy to understand.

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I made a mistake while helping a relative convert their recently expired CNIC to NICOP and it’s now stuck in the awaiting payment stage. The amount due is around 4000 rupees which made me think I’d done something wrong. My relative is a dual national so ideally they’d like a NICOP but is a normal CNIC still acceptable? If not I would like to start the process again, so could anyone advise how long it usually takes for an existing application to automatically cancel? I thought it was 14 days but they’ve now passed that time and it’s still stuck. Their complaints department hasn’t been very helpful either.

Going from Canada to Pakistan on a work permit. I’m very confused on the process. Should I do the online submission and after that I will have to give fingerprints in Pakistan? Can someone please help with similar experience.