Online Banking is a facility provided to you by Bank Muscat to
help you bank with us anytime, anywhere. The service is available
24/7, 365 days a year.
Our new Online Banking gives you
everything you need to manage your banking and financial needs in
one place. With easy-to-use navigation, you have greater control
over how and when you bank. With a wide range of features to
choose from you will also get the highest level of security.
The platform provides you convenience of banking without having to
visit our branches or worrying about the branch timings.
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A. Omni Channel experience
B. Bilingual
C. Online Registration
D. Enquiries
E. Personal Finance Management
F. Bill Payments
G. Funds Transfer
H. Investments and Insurance
I. Apply to IPO
J. Standing Instructions
K. Requests
L. SMS & Email Alerts:
M. Secure Token
If you're an existing user go to www.bankmuscatonline.com and Click on "Retail Login"
Internet Banking registration is easy and completely secure and will only take a few minutes to complete. Visit
To use this service, you should:
Yes. This service is available 24 hours a day, 7 days a week.
You may face trouble during Online Registration for the following reasons:
If you forget your Internet Banking User ID, Click on "Trouble Logging In?" Option available in the login page and follow the below steps.
If you forget your Internet Banking Password, Click on "Trouble Logging In?" Option in the login page and follow the below steps.
Yes, you can view the latest transaction or historical transactions belonging to all your
Yes, you can download your transactions for the following products into PDF or XLS format using the option "Download Details As" to save the information for your tracking.
Secure Mailbox is an email service that enables you to send enquiries or comments to us securely and confidentially.
Mailbox feature menu allows you to:
When you receive a Mail from the bank a number indicator will be displayed in the option "Mailbox" indicating that you have new messages.
Please refer the Subject drop-down list provided when you compose an email to the Bank. You can submit enquiries or requests related to Accounts, Credit Cards, Statements, Debit Card, Cheque Books, Credit Card and Online Banking Services or provide general feedback.
For security reasons, no attachments of documents or images are allowed with the secure mail message. Likewise, responses from the Bank will not include attachments.
The Bank will respond to all enquiries, feedback and requests within 3 working days.
No. For security reasons, we do not accept any instruction relating to financial transactions through the Secure Mail Box.
You can customize your Online Banking welcome message by entering your preferred name in the "Nick name" field available in the option "My Profile -> Set Preferences".
Follow the guidelines below for entering your greeting:
Yes, you can give nicknames to your accounts for easier tracking and monitoring. Choose "My Profile> Set Preferences "
The Account number selected here will appear on the top of the list while initiating any transactions. You can choose the primary account number through the option "My Profile->Set Preferences"
You can set your favourite accounts through the option "My Profile->Set Favourite Account". Accounts will be listed in the same order in Account Summary, Transfers and payments.
When you are finished with your Internet Banking session, you should log out using the Log Out button at the top right hand side of the screen and close your browser window. For added security, if you are inactive for 10 minutes, the session will automatically log you out.
Bank Muscat Soft token is an app which you can use instead of your physical token. With soft token you no longer face the hassle of carrying your physical token as it replaces all your internet banking authentications through a seamless and secured journey with just your mobile phone.
Yes, the soft token app is built with global security standards as part of our multi-layered authentication to give you peace of mind.
The Soft Token app is enabled on only one device, your smartphone, which is protected by your mobile device PIN/Biometric lock and the MPIN of soft token app. Additionally it can be only used on one mobile device through which you register your soft token app.
BM soft token app is free of cost.
The only cost that applies to you is the network usage levied upon you by your telecom service provider
Downloading and using the BM soft token app is easy
• IPhone users can download the application free from the Apple iTunes Store.
• For Android users and Huawei, the app is available through play store and app gallery respectively
You should have completed all the below 4 activities before you start using the soft token for authentication.
• You are actively using Bank Muscat Internet Banking platform, in case you have not registered for Bank Muscat Internet Banking please visit https://www.bankmuscatonline.com/ and register yourself first.
• Have successfully downloaded BM Soft token app from App store/play store/Huawei gallery onto your mobile device.
• Have completed the registration process for BM Soft token app.
• Have completed the activation process for BM soft token app.
Yes, you can easily replace your physical token with BM soft token app.
Simply download BM soft token app from App/play/Huawei store, complete the registration and activation process by following the on-screen instructions.
You can continue to use such inquiry services without a need to have a soft token app.
In case you want to perform transactions, you can simply download BM soft token app from App Store, Play store or Huawei App Gallery, complete the registration and activation process by following the on-screen instructions.
1. Download BM Soft Token app from App Store, Play store or Huawei App Gallery.
2. Launch your BM Soft Token app and tap on Register Now option.
3. Enter your registered mobile number, Debit Card number, PIN and click continue.
4a. For customers using IOS device,
• SIM Authentication screen will be displayed, you need to click on submit.
• A pre-composed SMS message to a short code recipient will be shown in your messages app, simply press the send icon.
• Tap on OTP text box field.
• Tap on the OTP generated and press the confirm button.
4b. For customers using Android device,
• OTP will be auto populated.
• Press the Confirm button.
5. Enter MPIN, confirm MPIN and click Submit.
6. You will be successfully registered for soft token app.
7. Move to the next step of activation of soft token
After you have successfully registered for BM soft token app, please follow the below steps to activate the soft token app.
1. Login to your Internet Banking and go to Customer service -> Soft/Hard token related services -> Activate Soft token->Press “Go”.
2. Click on Generate Coloured QR Code button, a Coloured QR code will be displayed.
3. Now launch your BM soft token app on your mobile device and tap on Scan QR Coloured Code.
4. Your mobile device camera will open, scan the Coloured QR code displayed on your internet banking screen.
5. You will see a success message on the app, you will also receive an SMS & email notification once the activation is completed.
6. Your soft token will be ready for use.
For customers using IOS devices, the soft token registration will be not be allowed for your overseas mobile number (the mobile number registered in Bank records).
However for customers using Android devices, the soft token registration will be allowed even with your overseas mobile number.
You can authenticate your Internet Banking transactions by taking the following steps:
1) Tap on the push notification sent to your mobile device.
2) Enter MPIN to login.
3) Review the transaction details and tap on “Approve” button to complete your authentication
In case you have not received the push notifications on your mobile device for more than 90 seconds, your Internet Banking screen will automatically generate a coloured QR code.
You will then need to launch BM soft token app (Log in is required) > Tap on “Scan QR code” icon to open the mobile camera.
Scan the coloured QR code displayed on the Internet Banking screen.
Once the scanning is completed, your soft token app will display an 8-digit OTP.
Enter the OTP in your internet banking screen and press Submit button to complete the transaction.
Please ensure that you have enabled push notification and allowed permissions for BM soft token app to send you such notifications.
For iPhone users, to enable push notification, go to your phone settings > select notifications > select on “BM soft token” > turn on “Allow Notifications”.
For Android users, to enable push notification, go to your phone setting > select notifications > select on “BM soft token” > turn on notifications.
Note: Push notifications may not be received if you are in a no/low network coverage area.
In case you have not received the push notifications on your mobile device for more than 90 seconds, your Internet Banking screen will automatically generate a coloured QR code.
You will then need to launch BM soft token app (Log in is required) > Tap on “Scan QR code” icon to open the mobile camera.
Scan the coloured QR code displayed on the Internet Banking screen.
Once the scanning is completed, your soft token app will display an 8-digit OTP.
Enter the OTP in your internet banking screen and press Submit button to complete the transaction.
No. For security reasons, registration is only allowed using the mobile number registered with the bank.
In case you need to update the mobile number registered with the bank, visit the branch or update through ATM or update through Internet Banking (using hard token).
Login to BM soft token app.
Tap on Settings.
Tap on Manage touch id option.
Select/Deselect use touch id toggle option.
When you tap on Generate OTP option the app will generate an 8-digit OTP.
This 8-digit OTP will be used for authenticating only the non-financial transactions.
You will be prompted with a clear instruction in all the respective non-financial transaction screens if the Generate OTP option will have to be used.
Launch your BM soft token app.
Tap on Forgot MPIN option
Enter your registered mobile number, Debit Card number and PIN.
Enter OTP received on your registered mobile number and click Next.
Enter new MPIN, confirm MPIN and click Submit.
You can login to the soft token app with your new MPIN.
Launch your BM soft token app.
Tap on Forgot MPIN option
Enter your registered mobile number, Debit Card number and PIN.
Enter OTP received on your registered mobile number and click Next.
Enter new MPIN, confirm MPIN and click Submit.
Your soft token app will be unlocked successfully, you can login to the app with your new MPIN.
Please download the soft token app onto your new device
Complete the registration and activation process.
Soft Token on your previous mobile device will automatically be deregistered.
Your soft token app on your new device will be ready to use.
For security reasons, it is recommended to de-register soft token from your mobile device that has been lost.
To do that, login to Internet banking and use the option “Customer service->Soft/Hard Token Related services->De-register Soft token” to deregister your mobile device.a
You can also contact our call centre at 24795555 and provide a request for de-registration.
In case you want to use the soft token app again please download the soft token app onto your new device and complete the registration and activation process.
Your soft token app on your new device will be ready to use.
Simply download BM soft token app again from App store or play store or Huawei gallery, complete the registration and activation process by following the on-screen instructions.
Your soft token app will be ready to use.
Go to “Customer service -> Soft/Hard token related services -> Enable soft token->Press “Go”.
Enter the SMS OTP sent to your registered mobile number.
Submit the request
After successful completion, your soft token app will be ready to use
Login to BM soft token app.
Tap on Settings.
Tap on Change MPIN option
Enter current MPIN, new MPIN, confirm MPIN.
Click Submit.
Use the new MPIN for all your subsequent logins
There is no impact when changing your SIM card as long as the mobile number remains the same.
However if you have changed your mobile number you will need to update it through Internet Banking (using Hard token) or by visiting the branch.
Yes, you will be able to use your Physical Token for all your transactions seamlessly.
No, for security reasons only one transaction authentication mode will be allowed for authentication.
You cannot use both Hard and soft token at the same time for your authentication.
Go to “Customer service -> Soft/Hard token related services -> Switch to Hard token->Press “Go”.
Submit the request using the SMS OTP received on your registered mobile number.
After successful completion, you will be able to authenticate your transactions using your previously used hard token device.
Note: If you have not used hard token before, this functionality will not work. You need to visit any branch and collect a new hard token.
Go to “Customer service -> Soft/Hard token related services -> Switch to Soft token->Press “Go”.
Submit the request.
After successful completion, you will be able to authenticate your transactions using your previously used soft token app.
Note: If you have not used soft token app before, this functionality will not work. You need to simply download BM soft token app from App Store, Play store or Huawei App Gallery, complete the registration and activation process by following the on-screen instructions.
Currently the facility of availing soft token app is not allowed for Joint account holders.
However you can continue using hard token for your authentication.
It is a small device the size of a credit card which is designed to provide you with additional protection for your Online Banking Transactions. It provides an extra layer of security to your Internet Banking to help prevent frauds internet attacks.
No, Secure Token is not compulsory for retail Internet banking however Bank Muscat strongly recommends all customers take advantage of this extra layer of security and enjoy additional services.
Please click here to see the complete features of Secure Token.
You will need to use your Secure Token to perform the following transactions. You will be prompted with on-screen instructions to use the Secure Token
Yes, you can carry your Secure Token along with you when traveling overseas and access all our Online Banking services anywhere, any time.
No. The Secure Token will be issued to you free for the first time as part of our commitment to our customers.
You will need to apply for a replacement Token by visiting your Bank Muscat branch. A nominal charge will be applied for the same.
The Secure Token comes with auto-power off feature. There is no need to power off the Secure Token.
Yes, you can update the below personal details instantly through the option "My Profile -> View Profile"
Yes you can. Go to the "Customer Service" option and select the "Block Debit Card" Section.
Yes you can. Go to the "Customer Service" option and select the "Block Credit Card" Section.
Yes you can. Go to the "Customer Service" option and select the "Block Prepaid Card" Section.
You can now open a Fixed Deposit online through bank muscat online banking, Simple go to Customer Service > Service Request > Accounts > Open Fixed Deposit
You will now be displayed a summary of all the details entered by you. Click on 'Submit' to open your Fixed Deposit.
You can open a Fixed Deposit with a minimum of RO 1000.
For additional terms and conditions please visit the nearest Bank Muscat branch for details.
In case you want to pre close the deposit or change your maturity instruction, please visit your Bank Muscat branch and provide a written request.
You can place a request for the following products
You will be contacted by our Bank Muscat representative to fulfill your request.
You can now Block your Bank Muscat Debit Card through Internet Banking in case your card is lost or stolen. Follow these simple steps to immediately block your card:
You can now Block your Bank Muscat Credit Card through Internet Banking in case your card is lost or stolen. Follow these simple steps to immediately block your card:
You can give a request for cheque book online through "Customer Service > Service Request > Accounts > Request New Cheque Book". An SMS will be sent on your registered mobile number when Cheque book is ready for collection.
You can place an Online request to link additional accounts to your debit card through the option "Customer Service > Service Requests-> Link Debit Card to Multiple Accounts".
No, you can only link your Bank Muscat Debit Card to an active account.
Bank will take upto 3 working days to process your request.
You can link your card upto Maximum of 4 active accounts at a time.
This request will ensure that your debit card is enabled for ATM and POS transactions in all selected countries for the selected date range, this will not impact any Online Transactions (like e-commerce site).
This request will ensure that your debit card is disabled for ATM and POS transactions in all countries (other than Oman), this will not impact any Online Transactions (like e-commerce site).
This request will ensure that your debit card is disabled for ATM and POS transactions for the selected countries.
Go to Service Requests > "Requests > Account > Change Your Savings Account Type"
• Please contact the branch if the non-editable information is incorrect.
• Please contact the branch if the non-editable information is incorrect.
** for Omanis only
• National ID card.
• Copy of passport front page, back page and visa page (for Expat customers only)
• Salary certificate/Salary transfer letter.
• School fee invoice (for “Shahadati” educational loan only)
• Insurance policy document and assignment letter from your insurance service provider (only if you have selected external insurance).
• National ID card.
• Copy of passport front page, back page and visa page (for Expat customers only)
• Salary certificate/Salary transfer letter.
• Dealer quotation
• Driving license.
• Insurance policy document and assignment letter from your insurance service provider (only if you have selected external insurance).
• National ID card.
• Copy of passport front page, back page and visa page (for Expat customers only)
• Salary certificate/Salary transfer letter.
• Car valuation from the approved valuator.
• Driving license.
• Mulkiya ID.
• Insurance policy document and assignment letter from your insurance service provider (only if you have selected external insurance).
• National ID card.
• Copy of passport front page, back page and visa page (for Expat customers only)
• Salary certificate/Salary transfer letter.
Bill Payment is a free online bill pay service which allows you to make payments to any of the listed billers from your Banking accounts.
You can pay bills to any of our listed billers
Yes, you can view the Outstanding due amount online for the below Billers on click of Validate Biller available in the screen Bill Payments option, also upon successful payment of the below billers the outstanding amount will get reduced real time.
For all billers (other than the biller mentioned above) Please allow at least 2 to 3 days from the day of your payment date for the biller to receive your payment.
Yes. The service is free for the customers.
Yes. You can do a mobile Topup for any Ooredoo or Omantel or Renna / Red Bull Mobile or FRiENDi by going to "Bill Payment" option.
On successful completion of the top-up transaction, the mobile will receive a confirmation SMS from the service provider.
i. Charges of 1 OMR for upto 20,000 OMR transfer
ii. Charges of 4.250 OMR for over 20,000 OMR transfer
i. for Eastern Currencies (AUD, SGD, JPY, NZD, HKD) is next working day
ii. For Non-Eastern Currencies processing will be done on the same day for the request received before 14:00 GST. For the request received after 14:00 GST processing will be done on Next working Day.
You can schedule future-dated transfers to Own Bank Muscat Accounts, 3rd party Bank Muscat accounts, 3rd party local bank accounts, Speed Transfer India and International funds transfer up to 3 years in advance. Recurring transfers can be made at regular intervals, such as daily, weekly, monthly, Quarterly, Half yearly and yearly.
Transaction Types |
Number of Transactions Allowed /Day |
Transaction Limit Allowed /Day (in OMR) |
Transfers to Own Accounts |
50 |
75,000 |
Own Credit Card Bill payment |
||
All 3rd Party Transfers & 3rd Credit Card Payment |
50 |
15,000 |
Utility Bill Payment |
50 |
7,500 |
Yes, you can apply for Mutual Funds by following the below steps:
You can now invest Mutual Funds online through Bank Muscat Internet Banking, simply go to Investments & Insurance > Investments > You will have the option to Invest in Bank Muscat Money Market Fund and Bank Muscat Oryx Fund.
You can now redeem Mutual Funds online through Bank Muscat Internet Banking, simply go to Investments & Insurance > Investments > You will have the option to Redeem in Bank Muscat Money Market Fund and Bank Muscat Oryx Fund
Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.
Browser |
Version |
Internet Explorer |
11.0 and above |
Firefox |
27.0 and above |
Google Chrome |
30.0 and above |
Personal Finance Management (PFM) enables Internet banking customers to manage their finances
A. Bilingual
B. Enquiries
C. Bill Payments
D. Funds Transfer
E. Standing Instructions
F. Requests
G. SMS & Email Alerts:
H. Multi-user Access:
I. Multi-level approval workflow:
J. Bulk Transaction Processing:
K. Secure Token
Corporate Internet Banking is a fully integrated end-to-end online banking service provided by Bank Muscat to Sole Proprietor, Partnership, Companies, Association, Clubs or Society (i.e. Non-Individuals). It is designed to provide the maximum benefits that the internet can offer to customers' business today.
Some of the key benefits of Corporate Internet Banking include:
In addition to the features of Bank Muscat Internet Banking for Corporates and Firms for retail individual customers, this platform provides the following 3 functionalities for corporate users
You can download the registration form from the "Register Now" option available on Bank Muscat Corporate Internet Banking Login Screen. Alternatively, please call your Relationship Manager for assistance with the registration forms.
An Initiator is a user who can initiate transactions on Corporate Internet Banking. These transactions will also need to be authorised by an Approver(s) before being submitted for processing.
An Approver is a user who can authorise a transaction to be processed by Corporate Online Banking. Once the Approver has authorised the transaction, the request will be processed based on the Transaction date inputted in the transaction.
There is no limit on the number of Initiators you can request.
Corporate Online Banking can support sole or multiple authorisations with different limits, for all requested transactions. The number of authorises depends on your preferences, and your account mandate.
Yes. This service is available 24 hours a day, 7 days a week.
If you are having Trouble Logging-in, It may be because of one of the following reasons
1) You are entering incorrect Corporate ID or User ID.
2) You are entering incorrect Password.
3) Your User ID may be disabled.
4) Your Secure Token may be locked due to 5 invalid attempts of PIN entry.
5) Your token may be Lost/Stolen
1. Minimum length of the password should be of 6 characters.
2. Maximum length of the password cannot exceed 28 characters.
3. Password should be a combination of alphabets and numbers.
4. History of last 3 passwords should not be repeated.
5. Spaces are not allowed in between Password.
Yes, you can view the latest transaction or historical transactions belonging to all your
Yes, you can download your transactions for the following products into PDF or XLS format using the option "Download Details As" to save the information for your tracking.
Yes, You can go to Accounts > Trade Products and see the Outstanding Balance of all trade products.
Secure Mailbox is an email service that enables you to send enquiries or comments to us securely and confidentially.
Mailbox feature menu allows you to:
When you receive a Mail from the bank a number indicator will be displayed in the option "Mailbox" indicating that you have new messages.
Please refer the Subject drop-down list provided when you compose an email to the Bank. You can submit enquiries or requests related to Accounts, Credit Cards, Statements, Debit Card, Cheque Books, Credit Card and Internet Banking Services or provide general feedback.
For security reasons, no attachments of documents or images are allowed with the secure mail message. Likewise, responses from the Bank will not include attachments.
The Bank will respond to all enquiries, feedback and requests within 3 working days.
No. For security reasons, we do not accept any instruction relating to financial transactions through the Secure Mail Box.
You can either compose an email and send to us via the Secured Mailbox or email us at Care@bankmuscat.com Or corporateservicedesk@bankmuscat.com
Yes, you can give nicknames to your accounts for easier tracking and monitoring. Select "My Profile> Set Preferences” and Choose the edit function to give a suitable nick name for the desired accounts.
The Account number selected here will appear on the top of the list while initiating any transactions. You can choose the primary account number through the option "My Profile->Set Preferences" by clicking on the star icon present against the account number.
You can set your favourite accounts through the option "My Profile->Set Favourite Account". Accounts will be listed in the same order in Account Summary, Transfers and payments.
When you are finished with your Internet Banking session, you should log out using the Log Out button at the top right hand side of the screen and close your browser window. For added security, if you are inactive for 10 minutes, the session will automatically log you out.
It is a small device the size of a credit card which is designed to provide you with additional protection for your Online Banking Transactions. It provides an extra layer of security to your Internet Banking to help prevent frauds internet attacks.
Please click here to see the complete features of Secure Token.
Yes, you can carry your Secure Token along with you when traveling overseas and access all our Internet Banking services anywhere, any time.
No. The Secure Token will be issued to you free for the first time as part of our commitment to our customers.
You will need to apply for a replacement Token by visiting your Bank Muscat branch. A nominal charge will be applied for the same.
The Secure Token comes with auto-power off feature. There is no need to power off the Secure Token.
You can now open a Fixed Deposit online through bank muscat Internet banking, Simple go to Customer Service > Service Request > Accounts > Open a Fixed Deposit
You will now be displayed a summary of all the details entered by you.Enter the OTP generated on your Secure Token and Click on 'Submit' to open your Fixed Deposit.
You can open a Fixed Deposit with a minimum of RO 1000.
Yes you can. Go to the "Customer Service >Service Requests >Credit Cards " option and select the "Block Credit Card" Section.
This request will ensure that your debit card is enabled for ATM and POS transactions in all selected countries for the selected date range, this will not impact any Online Transactions (like e-commerce site).
This request will ensure that your debit card is disabled for ATM and POS transactions in all countries (other than Oman), this will not impact any Online Transactions (like e-commerce site).
This request will ensure that your debit card is disabled for ATM and POS transactions for the selected countries.
Bill Payment is a free online bill pay service which allows you to make payments to any of the listed billers from your Banking accounts.
You can pay bills to any of our listed billers
Yes, you can view the Outstanding due amount online for the below Billers on click of ‘Validate Biller’ available in Bill Payment initiation screen, also upon successful payment of the below billers the outstanding amount will get reduced real time..
Yes. The service is free for the customers.
Yes. You can do a mobile Topup for any Ooredoo or Omantel or Renna / Red Bull Mobile by going to "Bill Payment" option.
On successful completion of the top-up transaction, the mobile will receive a confirmation SMS from the service provider.
** Please note that you cannot schedule a one time or recurring standing orders for all Omantel, Ooredoo, Renna OIFC, ONEIC & PASI payments.
Also keep in mind that if the due date of your Standing instruction falls on a holiday your account will be debited on the previous business day.
Within Your Own bank muscat Accounts |
3rd party accounts in Bank Muscat |
Other Bank Account in Oman |
International Funds Transfer |
Modes of Transfer
|
Modes of Transfer
|
Modes of Transfer
|
Modes of Transfer
|
Charges Nil |
Charges Nil for Immediate Transfer 0.500 Bz – For One time future dated and Recurring Transfers |
Charges
|
Charges
|
Processing time ֠ Real Time |
Processing time ֠ Real Time |
Processing time
|
Processing time
|
You can schedule future-dated transfers up to 3 years in advance. Recurring transfers can be made at regular intervals, such as daily, weekly, monthly, Quarterly, Half yearly and yearly.
You can view your daily transaction limit through the Option Transfers> Transaction Limit Inquiry" after you have logged in to your Internet Banking.
Bulk transaction processing allows the users to conveniently make multiple transactions through a single file upload. The important features of bulk transaction processing are as follows:
Or
Or
Kindly note that, only if all the approvers accept the request by approving the transaction, shall the request be sent for processing. If any approver rejects the transaction, then the payment will not be processed.
File processing cut-off time(where value date is the current date)
WPS Files
Non-WPS files
Go to "File Upload > View File Upload details" in that screen if the status of the file which got uploaded is still shown as "Execution in Progress" after 1 working day from the processing date. Please contact your relation manager or write to us at Care@bankmuscat.com orcorporateservicedesk@bankmuscat.com
Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.
Browser |
Version |
Internet Explorer |
11.0 and above |
Firefox |
27.0 and above |
Google Chrome |
30.0 and above |