If you're an existing user go to www.bankmuscatonline.com and Click on "Retail Login"

• Enter your existing Internet Banking User ID, Password and click on the Login button.
• After the successful login, you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins.

• User IDs and Passwords on Bank Muscat Internet Banking and Mobile Banking Channels are unified, you will be able to use same User ID and password on both the channels..
• After completion of the first time login process on the new Bank Muscat Mobile Banking channel, you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins

• Enter your existing Internet Banking User ID, Password and click on the Login button.
• After the successful login, you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins..

• Enter your existing Internet Banking User ID, Password and click on the Login button.
• After the successful login, you will be able to use the same User ID & Password on both Internet and Mobile Banking for all your future logins.
• Please note that your old mobile banking User ID will no longer be valid after completion of the above step using Internet Banking.

• In case your Internet Banking User ID is not available in the system, you will get a prompt to enter a new User ID and a new password.
• You will have to enter the User ID & password of your choice and complete the process.
• After the successful login, you will be able to use the same new User ID & new Password on both Internet and Mobile Banking for all your future logins.

• In case your Internet Banking User ID is not available in the system however your Old Mobile Banking User ID is available, you will get a screen that displays your old Mobile Banking User ID.
• You will have to select your old Mobile Banking User ID and complete the process.
• After the successful login, you will be able to use the same User ID & new Password on both Internet and Mobile Banking for all your future logins.

Internet Banking registration is easy and completely secure and will only take a few minutes to complete. Visit www.bankmuscatonline.com; Click on "Retail Login" and go to "Register Now" option and follow the steps indicated.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on the "Generate OTP" button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• Your Internet Banking User ID will be displayed on the screen. You will be able to set a new Password and login immediately to Bank Muscat Online Banking.
• You will be able to use Mobile Banking with the same User ID and Password.

To use this service, you should:

• Have an existing account with Bank Muscat.
• Have an Active Debit Card.
• Have a valid mobile number registered with the bank.
• Should belong to a Retail individual customer.

• There are no extra charges for usage of Internet Banking.
• However, normal product fees and transaction related charges continue to apply.

Yes. This service is available 24 hours a day, 7 days a week.

You may face trouble during Online Registration for the following reasons:

• You may be entering the Debit Card Number of a card which is not active.
  • Please get in touch with 2479 5555 for assistance.
• You may be entering the correct Debit Card Number but incorrect PIN
  • Please verify your PIN and ensure the correct PIN is entered.
• Your mobile number may not be registered or having invalid mobile number in bank's record.
  • Please visit your Bank Muscat branch or contact 2479 5555 to update your mobile number.
• You are a Joint Account Customer.
  • Please visit your Bank Muscat branch and provide request for Internet Banking Registration.
• You have entered SMS OTP incorrectly for 5 times and the registration facility has got locked.
  • Please get in touch with 2479 5555 to unlock the same.
• You are a Minor/Child Customer.
  • Minor customers are able to register for Bank Muscat Internet Banking with view access only. However a child customer is not eligible for Bank Muscat Internet Banking.
• You are already a registered customer.
  • Please use "Trouble Logging in?" option to know your User ID or to reset your password.
• You are using Credit Card or Prepaid card or Corporate Card.
  • You are not eligible for Bank Muscat Internet Banking.
• You are a Meethaq Customer.
  • This is the conventional Bank Muscat Internet Banking. Meethaq customers will not be able to register here.

If you forget your Internet Banking User ID, Click on "Trouble Logging In?" Option available in the login page and follow the below steps.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on Generate OTP button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• Your Internet Banking User ID will be displayed on the screen.

If you forget your Internet Banking Password, Click on "Trouble Logging In?" Option in the login page and follow the below steps.

• Enter Your Debit Card Number, PIN and the verification code.
• Click on Generate OTP button to get the One Time Password (OTP) on your Registered Mobile Number registered with the Bank.
• You will be able to set up a new password to continue with your Internet banking.

• Yes, you can create your own personalized User ID for Internet Banking using the option "My Profile-> Change My User ID.

• Yes, you can change your password using the option "My Profile-> Change Login Password" anytime to ensure security.
• When changing your Password make sure that you set up something that no one could guess. You must memorize your Password and never write it down. These important steps will prevent unauthorized individuals from accessing your financial information.

• Minimum length of the password should be of 8 characters.
• Maximum length of the password cannot exceed 28 characters.
• Password should be a combination of alphabets and numbers.
• History of last 3 passwords should not be repeated.
• Spaces are not allowed in between Password.

• You will receive an error message if you enter an invalid password.
• You have 5 attempts to enter the correct login password. Entering wrong password on 5th time will lock your User ID.

• You can easily Unlock your User ID by resetting your password online using the option "Trouble Logging in?" available in Login Page.

• Minor customer will be able to perform Online Registration from Internet Banking
• Minor customer will not be allowed to perform any type of transactions, transfers, bill payments, initiate request.
• Forgot user and Forgot password and change password is allowed for Minor user.
• User will be allowed to view all account transactions.
• The same user when reached to age 18 years old and above, will be allowed to use all Internet Banking services similar to any other customer. New re-registration or different User Id/Password creation is not required.

• Yes. You can see a summary of your accounts at the "Overview" screen once you have logged-in to Internet Banking.

Yes, you can view the latest transaction or historical transactions belonging to all your

• Accounts,
• Deposits
• Credit cards
• Prepaid cards

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.

• Current and Savings Account.
• Credit and Prepaid cards
• Deposits and Loans

• Go to Accounts-> Savings.
• Click the option "Detailed Statement" to see the transaction using date filter.
  Or
• Click the option "Mini" to see your last 10 transactions.

• Go to Accounts-> Current.
• Click the option "Detailed Statement" to see thetransaction using date filter.
  Or
• Click the option "Mini" to see your last 10 transactions.

• The two balances that appear on your account details screen are your Account Balance and Available balance
• Account Balance shows how much total money you have in your account now.
• Available Balance shows how much money you can take out of your account immediately.

• Go to My Accounts->Deposits.
• Click the option "Transaction History" against your deposit to see all transactions.

• Go to My Accounts->Prepaid Cards.
• Click the option "Transaction History" against your deposit to see all transactions.

• Credit Card Outstanding Balance enquiry
• Credit Card Details
• Credit Card Transaction History
• Credit Card Payment
• Credit Card Billed statement
• Credit Card Unsettled Transactions enquiry.
• Credit Card EPP - Easy payment plan(s) enquiry.

• Go to Accounts > Credit Card and click on Credit card Number
• You can see the details related to Total Credit Limit, Available Credit Limit, Payment Due Date, Minimum Payment Amount, Amount Overdue etc

• Prepaid card Balance enquiry
• Prepaid card details
• Prepaid card Transaction History
• Prepaid card funding.

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:

• Check your inbox for received mails
• Send a Mail
• Reply to a Mail
• Delete a Mail

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 compose an email and send to us via the Secured Mailbox (or)
• Email us at customerservice@bankmuscat.com (or)
• Through a feedback screen shown after you have logged out successfully.

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:

• Enter any name up to 30 characters, including spaces, in the field provided.
• Click on Update button to confirm your changes.
• Please logout after setting up of your Nick name and re login. Your custom greeting will appear immediately in the Overview page within Internet Banking.

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 App 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 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.
• 4. SIM Authentication screen will be displayed, you need to click on Submit.
• 4a. For customers using IOS device,
• • A pre-composed SMS message to a short code recipient will be displayed in your IOS messaging app, simply press the send icon.
• 4b. For customers using Android device,
• • Allow SMS permission to send pre-composed SMS message to a Bank Muscat short code recipient from your messaging app, simply press the send icon.
• 5. You will be redirected to MPIN setup screen where you need to enter MPIN, confirm MPIN and click Submit.
• 6. You will be successfully registered for soft token app and it will be ready for use.
• 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 Token Related services > Soft 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. Your soft token will be activated in next 12 hours, you will also receive SMS & email notification once the activation is completed.
• 6. Your soft token will be ready to use to authenticate your internet banking transactions.

• • 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).

• Yes. You can activate your Corporate User within the same Retail Soft Token. You can simply click on “Add User” to activate the user.

1. Click on Scan QR Code, your mobile device camera will open

2. To proceed with the scanning, login to your Corporate Internet Banking User and go to Token Related Services > Activate Soft Token > Press “Go”

3. Click on Generate Coloured QR Code button, a coloured QR code will be displayed for scanning from Soft Token App

4. After scanning, an OTP will be sent to your registered e-mail and mobile number to be entered in the Soft Token App

5. SIM Authentication screen will be displayed, you need to click on Submit.

6a. For customers using IOS device,

• • A pre-composed SMS message to a short code recipient will be displayed in your IOS messaging app, simply press the send icon.

6b. For customers using Android device,

• • Allow SMS permission to send pre-composed SMS message to a Bank Muscat short code recipient from your messaging app, simply press the send icon.

7. You will be redirected to MPIN setup screen where you need to enter MPIN, confirm MPIN and click Submit.

8. You will be successfully registered for soft token app and it will be ready for use.

• You can have up-to 5 users which 4 can be Corporate Users in 1 Soft Token device and only 1 Retail user is allowed.

• • You can simply go to “Add User” after logging into your Corporate Account and proceed with the Retail User registration.
• • You are entitled to have only 1 Retail user per Soft Token for security purposed.

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

• You will get the details of the Corporate User with instructions to proceed, then click on “Continue”

• Login to your Internet Banking Corporate and go to Token Related services > Soft Token Related Services > Forgot MPIN > Press “Go”.

• A 6-digit Challenge Code will be generated.

• Enter the 6-digit Challenge Code in your Soft Token App

• 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

• If your first Soft Token registration was with your Retail user:

• o Enter your registered mobile number, Debit Card number and PIN.

• o Enter OTP received on your registered mobile number and click Next.

• o Enter new MPIN, confirm MPIN and click Submit.

• o You can login to the Soft Token App with your new MPIN.

• If your first Soft Token registration was with your Corporate user:

• o You will get the details of the Corporate User with instructions to proceed, then click on “Continue”

• o Login to your Internet Banking Corporate and go to Token Related services > Soft Token Related Services > Forgot MPIN > Press “Go”.

• o A 6-digit Challenge Code will be generated

• o Enter the 6-digit Challenge Code in your Soft Token App

• o Enter new MPIN, confirm MPIN and click Submit.

• o 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 “Token Related services > Soft Token Related Services > De-register Soft token” to deregister your mobile device.

• 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 “Token related services > Soft 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 “Token related services > 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 “Token related services > Soft 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.

Yes, you can update the below personal details instantly through the option "My Profile -> View Profile"

• Phone Number.
• Postal Address.
• Mobile Number.
• Email ID.

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

• Enter the Deposit Amount
• Choose the duration of your Fixed Deposit.
• Select the account from which funds will be used to open your Fixed Deposit Account.
• Select the appropriate Interest Instruction details.
• Select the appropriate Renewal Instruction details and click on Continue.

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.

• If you would like to know the latest tenors and interest rates offered by Bank Muscat for Fixed Deposits, click on 'Fixed Deposit Interest Rate'.
• The calculator provides indicative rates of the maturity value. Rates are subject to change from time to time.

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

• Loans
• Insurance
• Investments
• Credit Card
• Expat Services
• Prepaid Card

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:

• Go to "Customer Service > Service Request > Debit Cards > Block Debit Card"
• Select the Card, you wish to block and click "Submit". Verify the details and confirm
• A success message would be displayed after successful blocking of your Debit 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:

• Go to "Customer Service > Service Request > Credit Cards > Block Credit Card"
• Select the Card, you wish to block and click "Submit". Verify the details and confirm.
• A success message would be displayed after successful blocking of your Credit 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.

• Go to "Customer Service > Service Request > Debit Cards > Enable International Access"
• Select the Debit Card.
• Select Start Date and End Date
• Select countries for which the access should be enabled & Continue
• Verify the details and Click "Submit"

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).

• Go to "Customer Service > Service Request > Debit Cards > Disable International Access"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

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).

• Go to "Customer Service > Service Request > Debit Cards > View/Delete – Enable Access Requests"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

This request will ensure that your debit card is disabled for ATM and POS transactions for the selected countries.

• Go to "Customer Service" option and select "Prepaid cards ->Apply for new prepaid card" option
• Select Your Account with Bank Muscat
• Enter the First Load Amount
• Select the Delivery Mode as delivery at branch, your default branch will be displayed, and you can change the branch with option Look Up next to it, where you would receive the Prepaid card.
• Read Terms and Conditions and accept the same.
• Click on Next Button and verify the details.
• Input the OTP.
• Click on Submit.
• A success message and the newly created card number details will be displayed once after successful submission of the request.

• Go to "Customer Service" option and select "Complaints Complaints & Enquiries" option.
• Select the "Area" of the complaint.
• Select the "Category" of the complaint.
• Select the "SubCategory" of the complaint.
• Select the "Issue" of the complaint.
• Click on Next.
• Enter all the mandatory fields.
• Click on Continue Button and verify the details.
• Enter the OTP and click on confirm.
• A success message and the Feedback ID will be displayed after successful submission of the request.
• Please make a note of the Feedback ID for all your future communication with Bank.

Go to Service Requests > "Requests > Account > Change Your Savings Account Type"

• If you have "Al Mazyona savings interest bearing account", you can change to “Al Mazyona Saving Non-Interest Bearing”.
• If you have "Al Mazyona savings non-interest bearing account", you can change to “Al Mazyona Saving Interest Bearing”.

• Yes, the change gets processed instantly
• You will also receive a success SMS and email notification

• Go to Accounts -> Apply for New products -> Click Apply for Loan.
• Select Loan type & sub type and click continue
• Your personal details, contact details, address details, employment & salary details as per the Bank’s records will be pre-filled and displayed to you.
• Review all the details and make changes/modifications wherever applicable.

• Please contact the branch if the non-editable information is incorrect.

• Input loan details.
• Select insurance details
• Verify all details before the final submission
• Input OTP and submit the request.
• You will see a success message on the screen.
• An SMS and Email containing application reference number will be sent to you.
• You need to physically visit the branch to submit the appropriate documents within 5 working days.

• Go to Accounts -> Apply for New products -> Click Apply for Credit Card
• Select the appropriate Product, click continue.
• Your personal details, address details, employment details as per the Bank’s records will be pre-filled and displayed to you.
• Review all the details and make changes/modifications wherever applicable.

• Please contact the branch if the non-editable information is incorrect.

• Input card details
• Verify all details before the final submission.
• Input OTP and submit the request
• You will see a success message on the screen.
• An SMS and Email containing application reference number will be sent to you.
• You need to physically visit the branch to submit the appropriate documents within 5 working days.

• Personal loan
• "Sayyarati" Loan for new car
• "Sayyarati" Loan for used car
• "Zaffa" Marriage loan **
• "Terhal" Travel loan **
• "Shahadati" Educational loan **
• Health and beauty loan **

** for Omanis only

• VISA Infinite Credit Card
• Gold Credit Card
• Oman Air Credit Card
• Lulu Credit Card
• Al Jawhar VISA Platinum Credit Card (for Jawhar Customers only)
• Asalah VISA Signature (for Asalah Customers only)
• Private banking VISA Infinite (for Private Banking Customers only)

• You will need to physically visit the branch for submission of all required documents to finalize your application request.

• At the final stage of your application you will be asked to select the branch of your choice for document submission.
• You may select any branch as per your convenience. However, once completed, you can only visit the selected branch for a seamless experience
• The Bank will not be able to process the application at any other branch.

• For Personal loan, “Zaffa” Marriage loan, “Terhal” Travel loan, “Shahadati” Educational loan, Health and Beauty loan:

• 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).

• For “Sayyarati” new car loan:

• 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).

• For “Sayyarati” used car loan:

• 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).

• For Credit Cards:

• National ID card.

• Copy of passport front page, back page and visa page (for Expat customers only)

• Salary certificate/Salary transfer letter.

• Your age may be above 55 years.
• Your National ID has expired.
• Your KYC (personal details update) is incomplete/pending
• You are a Non-resident.
• You have a Joint account.
• You have a legal heir account.
• Your salary is not credited to your Bank Muscat account.
• You have existing Bank Muscat liabilities that have past dues.
• Your company is not in the approved list of the Bank.
• You are in the Classified or Caution or Write-off list of the bank.
• Your salary is less than the minimum eligible salary amount as per the Bank’s internal policy.
• Your experience at the company where you are currently working is less than the minimum experience as per the Bank’s internal policy
• Your expected loan amount is more than the maximum loan amount allowed for the product you have chosen.

• No, please note that submission of the request does not guarantee the final authorization of the Loan or Credit Card
• After you have submitted the relevant documents at the branch, the Bank will verify the documents and approve the Loan/Credit Card only if it meets the internal credit policies of the Bank.

• As per the regulations set by Central Bank of Oman, Know Your Customer (KYC) is the process of verifying and maintaining the identity/information/documents of the customers, at all times. It also enables banks to understand its customers and their financial dealings to serve them better and manage its risks cautiously. The objective of KYC guidelines is to prevent banks from being used, by criminal elements for money laundering activities.

• Yes, KYC requirements are mandatory and have always been enforced. Banks have been taking KYC documents in accordance with the guidelines issued by the Central Bank of Oman.

• We review our KYC records of the customers on an ongoing basis. We will get in touch with you, if your KYC document(s) need to be updated, in future.

• We will review our KYC records of the customers on an ongoing basis. We will display a reminder popup in the Mobile or Internet Banking channel in case your KYC is going to expire in 60 days or KYC is already due for update.
• We will also send a reminder SMS and Email notifications prior to 15 and 30 days.

• As a bank, we endeavor to provide you with the best services at all times. However, we will be constrained to place restrictions on your account/debit card or even a possible exit, of your accounts, in the absence of KYC information / documents.

• Login to your Internet Banking, go to Service Requests option and select KYC then click on Update KYC and follow the on-screen instructions.

• Login to your Internet Banking, go to Service Requests option and select KYC then click on Update Legal ID\ Passport and follow the on-screen instructions.

• Login to your Internet Banking, go to Service Requests option and select KYC then click on Update Legal ID\ Passport and follow the on-screen instructions.

• If you are an Omani or Resident customer, there is no mandate to provide your passport details. However, if you are a Non-Resident customer, passport details can be updated through Service Requests option and select KYC then click on Update Legal ID\ Passport and follow the on-screen instructions.

If you have a Salary account in Bank Muscat

Civil ID card (if you are Omani – keep the physical card ready in hand for scanning)

Resident ID card (if you are Resident– keep the physical card ready in hand for scanning)

Passport (if you are Non-Resident– keep the physical passport ready in hand for scanning)

Address proof – Any one of the following to be attached

• Copy of House Mulkiya / Tenancy Agreement
• Letter from Wali / Shaikh certifying address
• Copy of Utility Bill
• Letter from Employer
• If proof is not in customer name, a letter specifying relationship along with valid ID copy .
If you not have a salary account in Bank Muscat.

Civil ID card (if you are Omani – keep the physical card ready in hand for scanning)

Resident ID card (if you are Resident– keep the physical card ready in hand for scanning)

Passport (if you are Non-Resident– keep the physical passport ready in hand for scanning)

Address proof – Any one of the following to be attached

• Copy of House Mulkiya / Tenancy Agreement
• Letter from Wali / Shaikh certifying address
• Copy of Utility Bill
• Other bank statements
• Letter from Employer
• If proof is not in customer name, a letter specifying relationship along with valid ID copy .

Employment proof – Any one of the following to be attached

• Staff ID Card
• Latest Salary or Pay Slip
• Letter from Employer / Salary Certificate/li> If you are a Self-Employed or Business owner

  Civil ID card (if you are Omani – keep the physical card ready in hand for scanning)

  Resident ID card (if you are Resident– keep the physical card ready in hand for scanning)

  Passport (if you are Non-Resident– keep the physical passport ready in hand for scanning)

  Address proof – Any one of the following to be attached

• Copy of House Mulkiya / Tenancy Agreement
• Letter from Wali / Shaikh certifying address
• Copy of Utility Bill
• Other bank statements
• Letter from Employer
• If proof is not in customer name, a letter specifying relationship along with valid ID copy .
• Copy of the CR document.
Additionally
• W9 form should be attached if you are an US tax resident and/or US national or Green card holder.
• W8 BEN form should be attached If you have an US address/telephone number and/or you make ongoing payments to US is selected.

• Liveness test is a system verification to identify your photo taken in real-time to ensure your live presence. This acts as an important factor when it comes to detecting identity fraud. During liveness test you will be required to take a selfie for validation. System will perform your face verification checks to ensure your live presence.

• Yes, the details get updated in the Bank records instantly, you will also receive a confirmation SMS and Email notification. However, if you fall under one of the below 4 criteria, bank will take 30 working days to validate the details of the request submitted and approve subject to internal KYC policy. 1) You are a FATCA. 2) You are a PEP (politically exposed person) or associated with PEP. 3) You are from a High-Risk nation. 4) You are a Non-Resident.

• Yes, you will receive an SMS and Email notification once your KYC request is approved by the bank.

• You can declare if you are a tax resident in any country/jurisdiction other than Oman. Login to your Internet Banking, go to Service Requests option and select KYC then click on Update Common Reporting Standard (CRS) and follow the on-screen instructions.

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 save your time and money by not having to go to the billers office.
• You can also do an immediate payment or set a future date or scheduled recurring instructions for your bill payment.

You can pay bills to any of our listed billers

• Ooredoo Post paid GSM/Tel/Internet
• Ooredoo Top Up GSM/Tel/Internet
• Omantel Internet
• Omantel GSM
• Omantel Telephone
• Omantel Topup
• Renna / Red Bull Mobile Topup.
• FRiENDi Topup
• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• ONEIC Electricity
• ONEIC Electricity Prepaid
• ONEIC Water
• MEDC Postpaid Electricity
• MEDC Prepaid Electricity
• PASI – CIVIL
• PASI - COMMERCIAL
• Fees for Assafwah Private School
• Fees for Indian School Al Ghubrah
• Fees for Indian School Muladah
• Fees for Indian School Salalah
• Jaifar Ibn Al Julanda School Fees
• Fees for Mad Science Day Care
• Fees for Math Genius
• Fees for Modern Coll Business & Sci
• Fees for National Nursry Montessori
• Fees for Pakistan School Muscat
• Fees for Rikaz Tech and Human Res
• Fees for Sri Lankan School
• Fees for Sultan School
• Fees for Muscat College
• Fees for Middle east college of Information
• Fees for Indian School Muscat
• Fees for Markaz Alisary School
• Fees for Indian School Sohar
• Fees for Indian School Maabela
• Fees for A’Sharqiyah University
• National Finance Loan Installment
• Oman Oil Marketing
• Opensooq

• Log in to Internet Banking.
• Select the Transfers/Payments > Payments > Bill Payment option.
• Select the Bill Payments option.
• Choose between the option "Payment to New Biller" or "Payment to Registered Biller" if you want to make payment to a New Biller or to a biller which is already registered respectively.
• Enter the Biller Information you want to pay.
• Click on Validate Biller.
• Enter the payment details and confirm the transaction

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.

• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• MEDC Postpaid Electricity
• ONEIC Electricity
• ONEIC Water
• Omantel Internet
• Omantel Telephone
• Omantel GSM Postpaid
• Ooredoo Landline
• Ooredoo Internet
• PASI – CIVIL
• PASI - COMMERCIAL
• National Finance Loan Installment
• Oman Oil Marketing
• Opensooq

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.

• No, it is not possible set a future date or schedule a recurring instruction for your bill payment.

• Go to Bill Payments option..
• Select the Transaction Date (dd/MM/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Bill Payment.

• You can make payment to your own Bank Muscat Credit Card outstanding amount via immediate, one time or recurring Standing instructions mode.
• To pay, simply click on Bill payments - >Pay my Credit Card Bill" and select the card you wish to pay.

• If you do an immediate payment to your credit card, the credit card statement will be updated immediately.
• However if your schedule a payment for a future date or set up a recurring payment it will take upto 1 working day for the payment to get updated in the Credit Card Statement.

• Yes, you can pay via immediate, future transfer or scheduled payment mode.
• Simply go to 'Bill Payment > Payment to Credit Card'.
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction.
• Once your request is successfully submitted, your transaction will be processed. The credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

• Yes, you can pay via immediate, future transfer or scheduled payment mode.
• Simply go to 'Bill Payments > Payment to Credit Card'
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction
• Once your request is successfully submitted, your transaction will be processed. The credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

• You can make payment to your Prepaid Card via immediate, one time or recurring Standing instructions mode.
• To pay, simply click on Bill payments -> Funding of Pre-paid card and select the card you wish to pay.

• If you do an immediate payment to your prepaid card, the prepaid card statement will be updated immediately.
• However if you schedule a payment for a future date or set up a recurring payment it will take upto 1 working day for the payment to get updated in the Prepaid Card Statement.

• You can make payment to a charity organization immediately.
• To pay, simply click on Bill payments -> Charity Contribution" and select the card you wish to pay.

1. Immediate transfer
2. One-time future date and recurring standing instruction transfers
3. No charges

1. Immediate transfer
2. One-time future date and recurring standing instruction transfers
3. Charges of 0.500 OMR are applicable for future date and recurring transfers

1. Immediate transfer
2. One-time future date and recurring standing instruction transfers
3. Charges are applicable

i. Charges of 1 OMR for upto 20,000 OMR transfer

ii. Charges of 4.250 OMR for over 20,000 OMR transfer

4. Your account will be debited instantly and the Funds Transfer will be executed by the bank immediately in near real-time (i.e. in few minutes) including on Bank Holidays.

1. Immediate transfer
2. One time future date and recurring standing instruction transfers
3. Charges of 2 OMR are applicable for one-time future date and recurring transfers
4. NEFT charges 1.5 OMR per transaction
5. IMPS charges 2 OMR per transaction
6. Processing of transaction will take place within 2 common working days of Oman and India.

1. Immediate transfer
2. Charges of 1.5 OMR per transaction
3. Processing of transaction will take place within 2 common working days of Oman and Philippines.

1. Immediate transfer
2. Charges of 1.5 OMR per transaction
3. Processing of transaction will take place within 2 common working days of Oman and Sri Lanka.

1. Immediate transfer
2. Charges of 1.5 OMR per transaction
3. Processing of transaction will take place within 2 common working days of Oman and Pakistan.

1. Immediate transfer
2. Charges of 1.5 OMR per transaction
3. Processing of transaction will take place within 2 common working days of Oman and Bangladesh.

1. Immediate transfer
2. Charges of 1.5 OMR per transaction
3. Processing of transaction will take place within 2 common working days of Oman and Egypt.

1. Immediate transfer
2. One time future date and recurring standing instruction transfers
3. Charges of 15 OMR per transaction if the local and overseas charges are borne by you.
4. Charges of 5 OMR per transaction if the local charges are borne by you and overseas charges are borne by beneficiary
5. For One Time or Recurring Standing Instruction RO 2 will be taken as an execution charges.
6. Processing time;

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.

1. Immediate transfer through mobile number
2. Beneficiary has to be activated for Wallet payments
3. No charges

1. Immediate transfer
2. One time future date and recurring standing instruction transfers
3. Daily transaction limit is OMR 15,000 for all 3rd party payments.
4. For Remittance requests of OMR 20,000 and below, your account will be debited instantly and the Funds Transfer will be executed by the bank immediately in near real-time (i.e. in few minutes) including on Bank Holidays
5. All remittance requests received on holidays and weekends will be processed 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.

• Go to Transfers > Fund Transfers and select the relevant transaction type
• Select the Transaction Date (dd/MM/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Transfer.

• Go to Transfers > Transfers and select the relevant transfer type.
• Select Recurring from the "Frequency Type" drop down field.
• Specify date when the transfer should start in the "Recurring Start Date" field.
• Specify the frequency of the transfer in "Frequency" field.
• Specify the Number of Installements of the transfer to be made in "Number of Installments" field.
• Complete the remaining details to set up your Recurring Transfer.

• Go to "Transfers" > " Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.

• Go to "Transfers" > "View Completed Standing Instructions"
• Select “Completed Standing Instructions” from the Instruction Status drop down and click search

• The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on any Cross Currency Transfers.
• The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing.

• After the payment is made, you will be shown a receipt screen. This screen will contain a 'Transaction Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries with Bank Muscat.
• You will be able to see the successful transaction appear in the mini/detailed statement.

• Yes, go to "Transfers" > "Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.
• Click on Stop to continue.
• Make sure that you are stopping the Standing instruction 1 working day prior to the due date of the execution.
• 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.

• Bank Muscat Oryx fund, Bank Muscat Money Market fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund are mutual funds managed by Bank Muscat Asset Management.

You can now invest in 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, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund.

• Select New Folio
• Select the Fund name according to which one you earlier selected; Bank Muscat Money Market Fund, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund
• NAV and current units will be displayed
• Select your debit account (OMR or foreign currency)
• Enter the Amount to be invested in OMR
• Click on Continue button and verify the details
• Read Terms and Conditions and accept the same
• Input the OTP and click on Submit
• A success message will be displayed after successful submission of the request

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, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund.

• Select Your Folio Number
• Select the Fund name according to which one you earlier selected; Bank Muscat Money Market Fund, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund
• NAV and current units will be displayed
• Select your debit account (OMR or foreign currency)
• Enter the Amount to be invested in OMR
• Click on Continue button and verify the details
• Read Terms and Conditions and accept the same
• Input the OTP and click on Submit
• A success message will be displayed after successful submission of the request

• You can invest in Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund with a minimum of RO 50 or invest in Bank Muscat Money Market fund with a minimum of RO 500 and a maximum limit of 75,000 for all the funds.

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, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund

• o Select Your Folio Number
• o Select the Fund name according to which one you earlier selected; Bank Muscat Money Market Fund, Bank Muscat Oryx Fund, Bank Muscat Al Tharwa Fund and Meethaq Equity Fund
• o Select redemption by: Current Value or Current Units
• o Enter amount/units
• o Click on Continue button and verify the details
• o Read Terms and Conditions and accept the same
• o Input the OTP and click on Submit
• o A success message will be displayed after successful submission of the request

Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.

• The following specifications are the minimum essential requirements for getting started with Online Banking:

Personal Finance Management (PFM) enables Internet banking customers to manage their finances

• By keeping tracking of and Analyzing incomes.
• By making plans about spending and incomes.
• Through automatic categorization of all transactions.
• Helps you budget and manage your finances.
• It allows you to see your balances and transactions all in one place. It is available for free through Internet banking.

• Log in to your Internet banking and navigate to Personal Finances.
• Financial Overview screen will show the full financial picture of your Assets and Liabilities.
• Income – Expense screen will allow you to review the Transactions and categorize, create budgets based on your actual spending history.

• On click of Income - Expense Overview all your transactions are auto-categorized.
• When you change the transaction category, Personal Finance Management will remember your preference for next time.

• Go to Manage Budgets -> Set New Budget.
• Select the appropriate Category type & Value.
• Select the frequency
• Select the month & year you wish to budget.
• Enter the Budget amount
• Click Save after filling all the details

• Go to Manage Budgets.
• Select appropriate Month
• Click on Edit option against the budget under Expense or Income tabs as per your wish.
• Select the frequency
• Select the month & year you wish to budget.
• Edit the Budget amount.
• Click Save after filling all the details

• Go to Manage Budgets.
• Select appropriate Month
• Click on Delete option against the budget under Expense or Income tabs as per your wish.
• Click yes to delete the budget.

• This chart will show the summary of what you spent and earned in the last month..
• You can however change the option to last 3 months and 6 months.

• Transactions are automatically categorized for you in Income/Expense analysis Chart, in case you feel that they are not accurate you can re-categorize the transaction.
• Under Income/Expense analysis chart, click on Right Arrow of any Category that you wish to change.
• Once you get list of the transactions, click on ‘Edit’
• Create custom tags to label transactions, select the correct category from the drop down list.
• Click submit to save the details.

• Click on Right Arrow present Under Uncategorized Transaction.
• Once you get list of the transactions, click on ‘Edit’ and select the correct category from the drop down list.
• Click submit to save the details.

• Yes, you can now create a group with a maximum selection of 10 billers in a group this is only applicable for billers that are registered in your Bank Muscat Internet banking.

• 1. Go to bill payments
• 2. Select group bill payments
• 3. Select add new group
• 4. Enter group name
• 5. Select minimum 2 registered billers and maximum 10 in each group.
• 6. Review details & submit
• 7. A success message will be displayed of biller group creation.

• 1. Go to bill payments
• 2. Select group bill payments
• 3. List of group billers will be displayed, choose make payment from action.
• 4. Select debit account
• 5. Outstanding will be displayed, you can enter different payment amount & continue
• 6. Review details , enter OTP & submit
• 7. A success message of group transfer will be displayed next to each biller.

• 1. Go to transfers
• 2. Select group bill payments
• 3. List of group billers will be displayed, choose modify or delete from action
• 4. Modify required details & continue
• 5. Review & confirm details
• 6. A success message of update or delete group will be displayed.

• Yes, you can create a Transfer Group with a maximum of 10 beneficiaries in a group (from Bank Muscat Accounts) this is only applicable for beneficiaries that are registered in your Bank Muscat Internet Banking.

• 1. Go to "Transfers"
• 2. Select "Beneficiaries"
• 3. Select "Add New Beneficiaries"
• 4. Select "Group Transfer"
• 5. Select "Add New Group"
• 6. Enter the group's name
• 7. Select a minimum of (2) registered beneficiaries and a maximum of (10) in each group
• 8. Review the details & "Submit"
• 9. A success message will be displayed of your biller group creation

• 1. Go to "Transfers"
• 2. Select "Group Transfer"
• 3. Select the group from the list
• 4. Choose "Transfer Details" (same amount or different amount)
• 5. If you select "Same Amount", enter the transaction amount in OMR & click "Next"
• 6. If you select "Different Amount", please continue to the next page & enter the transaction amount
• 7. Select "Debit Account"
• 8. Review the details, click "Submit" and enter the one-time password (OTP)
• 9. A success message of your group transfer will be displayed

• 1. Go to "Transfers"
• 2. Select "Group Transfers" from the above tabs
• 3. A list of groups will be displayed
• 4. Select "Modify" or "Delete Group" from actions
• 5. Continue & Confirm
• 6. A success message of your update or deleted group will be displayed

• The transaction limit allowed per day is OMR 15,000.

• The number of transactions allowed per day is 50.

You can now apply for Themaar Saving Plan online through bank muscat online banking, simply go to Customer Service > Service Request > Accounts > Themaar Saving Plan

• • Choose 'Open Themaar Savings Plan for Self'
• • Enter the Monthly Saving Deposit Amount in multiples of 5, (minimum 10 & maximum 1,000)
• • Enter the Initial Deposit Amount (minimum 6 RO)
• • Select the duration of your Themaar Saving Plan in years (1-10 years)
• • Select the account which funds will be used to open your Themaar Saving Plan Account
• • Select the account which will receive the funds from the Themaar Saving Plan Account
• • Select the appropriate Monthly Deposit Date
• • Read Terms and Conditions and accept the same.

You will now be displayed a summary of all the details entered by you. Click on 'Submit' to open your Themaar Saving Plan.

Please logout and login again to view Themaar saving account under Deposits

You can now apply for Themaar Savings Plan for your child online through Bank Muscat Internet Banking, simply go to Customer Service > Service Request > Accounts > Themaar Savings Plan:

• • Choose 'Open Themaar Savings Plan for my child'
• • Enter the Monthly Saving Deposit Amount in multiples of 5, (minimum OMR 10 & maximum OMR 1,000)
• • Enter the Initial Deposit Amount (minimum OMR 6)
• • Select the duration of your Themaar Savings Plan in years (1-10 years)
• • Select the account which funds will be used to open your Themaar Savings Plan Account:

  A- If you choose the funding account as your own account; you can select 'self' or 'child account' as the beneficiary

  B- If you choose the funding account as the 'child account'; the beneficiary account will be your child's account by default.

• • Select your preferred Monthly Deposit Date
• • Read the Terms and Conditions and accept the same

You will receive a summary of all the details you've entered. Click on 'Submit' to open your Themaar Savings Plan.

You can view the Themaar Savings Plan for your child under accounts > Floosi/Child Account.

• a. The date on which the monthly savings deposit amount gets debited every month.
• b. You can select dates between 1 to 30.
• c. The 1st instalment debit will take effect from next onwards. For example: If you are creating Themaar on 1st Jan and you have entered 2 in Monthly Deposit date, 1st instalment will be debited from your account on 2nd Feb.

• Maturity amount will be credited to the Beneficiary account; after that your Themaar Saving Plan account will close at the time of maturity.
• If you are willing to renew the plan, you will require to re-apply to Themaar Saving Plan through Internet or Mobile Banking.

• You can create up to 4 Themaar Saving accounts.

• You can open a Themaar Saving Plan with a minimum of RO 25 and a maximum of RO 1,000 as a monthly deposit amount.

• You can open Themaar Saving Plan with a minimum of RO 6 as an initial amount.

• You can have your plan for a minimum of 1 year and a maximum of 10 years.

Note: Monthly deposit date should be less than or equal to today’s date if you would like the deposit maturity period to be 10 years

You can now open a Child Savings Account online through Bank Muscat Internet Banking, by simply following these steps:

• • Child Account Opening on Internet Banking is available in 3 different areas;

  • - Overview > Quick links
  • - Customer Service > Accounts
  • - Accounts > Apply New Products
• • Enter your Child’s ID number. Please ensure to input your child’s Civil/National ID number correctly between 7-12 digits to process your request successfully.
• • Verify the pre filled fields; Name, Gender, Child ID, Child ID expiry date, Nationality, Landmark, Post code and Branch.

• • Select one of the ID Document Types and proceed with uploading it

  • - Birth Certificate
  • - National ID (Front and Back)
  • - Passport

Please ensure that the document size is less than 1MB. Document format should be in (PDF, JPEG, PNG) and file name should not contain underscore ( _ ).

• • Enter Child Mobile Number
• • Enter Child Email ID
• • Select Account Type
• • Account Currency is defaulted to OMR.
• • Select Reason for account opening
• • Select the Monthly Income/Expected Monthly Activity (OMR)
• • Select the Debit Card preference

Please note that the selected debit card (Floosi debit card or Mass debit card) is available only for Minors age 7 and above.

Accounts Details - Bank Muscat

• • Click on Continue Button and verify the details.
• • Please read and accept the declarations to submit your request.
• • Enter OTP using [Soft/Hard Token].
• • Click on Confirm.
• • Your Child’s account will be opened successfully and can be viewed under Accounts -> Floosi/Children Account

• The child account opening feature on our Mobile and Internet Banking is currently available for Male Omani customers (Age above 18). If you are not a Male Omani customer aged above 18, please visit the nearest branch to open an account for your child.

Below are the types of Savings Account that can be opened:

• • Al Mazyona Step-Up Interest Saving Account
• • Al Mazyona Non- Interest Saving Account

Third Party Marketing Communication is the customer’s consent to share his data with the banks third party affiliates and partners for the purposes of marketing and surveys.

As an existing customer within the Bank, you will require to select your preference as YES/NO. If you have already selected your preference you can edit once.

You can edit your Third Party marketing communication preference in 3 different locations within our Internet Banking

• 1) My Profile > Receive Third Party Marketing Communication
• 2) Customer Service > KYC > Third Party Marketing Communication
• 3) Customer Service > Instant Savings Account Opening - the preference can be set whilst opening a new account.

For more information, please click on the following link

https://www.bankmuscat.com/en/pages/privacy.aspx

The Shukran prepaid card is a co-brand card between Bank Muscat and Shukran. The card is a load card where when you spend at any Landmark group stores you get 1 Shukran point for every 1 Rial and 1 Shukran point for every 2 Rial spent outside Landmark group store

• 1. Go to Customer service >Prepaid Cards > Apply for prepaid card
• 2. Select Your Account with Bank Muscat
• 3. Select the Card Type from the dropdown > Shukran prepaid
• 4. Existing Shukran membership number (Yes or No)
• 5. If you don’t have Shukran membership, a number will be assigned to you by the bank
• 6. Enter the First Load Amount
• 7. Select the Delivery Mode as delivery at branch or courier
• 8. Read Terms and Conditions and accept the same.
• 9. Click on Next Button and verify the details.
• 10. Enter OTP.
• 11. Click on Submit.
• 12. A success message and the newly created card number details will be displayed once after successful submission of the request.

Yes, when you apply you can choose the option of “No Shukran number” and one will be assigned to you by the bank. This number will then be shared with Shukran to activate your Shukran account.

• 1- Go to bill payment
• 2- Select funding of prepaid card
• 3- Select account number
• 4- Select shukran prepaid card number
• 5- Enter amount
• 6- Choose frequency type & click continue
• 7- Review & confirm details
• 8- A success message will be displayed

You can only get 1 Shukran Visa prepaid card. This card is linked to your Shukran number.

Yes, each customer is eligible for 5 prepaid cards and 1 Shukran card.

Yes, you can only stop unused cheques by simply following the below steps;

Customer Service> Service Request> Accounts> Stop cheque request

For stop cheque :

• - Select your account
• - Enter Cheque Number
• - Select the reason for stopping the cheque
• - Read and Accept the Terms & Conditions
• - Read the disclaimer
• - Verify the Stop cheque request summary
• - Enter OTP
• - Cheque will be stopped successfully and successful confirmation will be displayed.

For Multiple Cheques :

• - Select your account
• - Enter “From” Cheque Number
• - Enter “To” Cheque Number
• - Select the reason for stopping the cheque
• - Read and Accept the Terms & Conditions
• - Read the disclaimer
• - Verify the Stop cheque request summary
• - Enter OTP
• - Cheques will be stopped successfully and successful confirmation will be displayed.

No, any cheque number(s) entered that are stopped or cleared or presented cheques cannot be revoked.

A charge of OMR 5.250 (inclusive of 5% VAT) will be automatically deducted from your account for the first stop cheque request (single or multiple) made per day.

All customers with an active Primary Credit Card are eligible to apply for Supplementary Credit Cards.

Note: Supplementary Credit Cards should only be for your 1st degree relatives (aged 13 years & above).

No, Supplementary Credit Card must be for someone else other than yourself.

Log into Bank Muscat's Internet Banking and choose: Customer Service > Service Requests > Credit Cards > Apply for Supplementary Card then fill in the requested details.

Currently, the default credit limit of your Primary Credit Card will be applicable on all Supplementary Credit Cards.

Changing the limit of your Supplementary Credit Card is currently not permitted. Please contact us on care@bankmuscat.com or call 2479 5555.

You can apply for a maximum of 5 Supplementary Credit Cards for each Primary Credit Card.

You will be able to use both the Primary credit card and all linked supplementary cards simultaneously, up to the combined maximum credit limit.

Yes, you can have a different mobile number & email address when applying for a Supplementary Credit Card.

You can either collect the Supplementary card from your branch or have it delivered directly to you.

In order to activate your Supplementary Credit Card, you must set up your E-PIN which can be done through:

• - mBanking or Internet Banking
• - Any Bank Muscat ATM
• - The IVR services through the Contact Centre by calling 2479 5555

To learn more about all the applicable fees & charges for your Supplementary Credit Card, please visit: https://bm.click/TariffBookEN

After successful activation of your Supplementary Credit Card, you can add your card to your Samsung Wallet or Apple Wallet through the "Add your Card to Wallet" option on the mBanking App or through your preferred Samsung or Apple Wallet Apps.

All Samsung devices support Samsung Pay. Please refer to the below link for the full list of devices that support Samsung Pay:

https://www.samsung.com/ae/support/apps-services/is-samsung-wallet-supported-on-my-mobile-phone/

You can add your Bank Muscat Debit, Credit and Prepaid card into Samsung Wallet/Pay in 3 different ways.

• a. Via Bank Muscat App
• b. Via Samsung Wallet/Pay in the Samsung device

You can add your Debit Cards, Credit Cards and Prepaid Cards to your Samsung Wallet directly via the Bank Muscat Mobile Application by following the below steps:

• a. If you have not already added your card to your Samsung Wallet, you will receive a pop-up message upon logging into the mBanking App to add your card.
• b. Alternatively, select the Menu button -> Select Samsung Pay -> Add your card to Samsung Pay -> Select the Card Type -> Select the Card Number.
• c. Your card image will be displayed along with the "Add to Samsung Wallet" button.
• d. Select on the "Add to Samsung Wallet" button which will direct you to the Samsung Wallet App where you need to set up your Fingerprint or Face ID or Passcode as per the initial Samsung Wallet setup on your device.
• e. Read & agree on the Terms and Conditions.
• f. Your card will be successfully added to your Samsung Wallet.

Once you have added your card to your Samsung Wallet, you will be able to open the Bank Muscat Mobile App and navigate to Samsung Pay -> Verify Cards -> Select the card type -> Select the card number -> Select Activate.

Currently, only Samsung devices will be supported for Samsung Pay. If you are using a supported Samsung device, then please ensure you have updated latest Bank Muscat Mobile Banking App.

Samsung Pay can only be activated on mBanking.

Currently, only active Bank Muscat Debit, Credit and Prepaid Cards are eligible to be added to your Samsung Wallet.

You can still activate your card on your device either by calling our Call Centre or by logging into Bank Muscat's Mobile Banking App on another supported Samsung device and navigate to Samsung Pay -> Verify Cards -> Select the card type -> Select the card number -> Select Activate.

You can still activate your card on your device either by calling our Call Centre on 24795555 or by logging into Bank Muscat's Mobile Banking App on your Apple device & navigate to Apple Pay > Verify Cards > Select the card type > Select the card number > Select Activate.

Customers can ask their family members to add their Bank Muscat Supplementary credit card directly in their supported Apple or Samsung wallets. The customer who is using the Bank Muscat Mobile App can verify the supplementary card from their Samsung device by navigating to Samsung Pay -> Verify Cards -> Verify option

Please refer to the below link for the full list of devices and operating systems that support Apple Pay: https://support.apple.com/en-om/102896

You can add your Bank Muscat Debit, Credit and Prepaid card and setup Apple Wallet in 3 different ways.

• a. Via Bank Muscat App
• b. Via Apple Wallet in the Apple device
• c. Via Apple Wallet itself – By selecting Bank Muscat app within the iPhone.

You can add your Debit Cards, Credit Cards and Prepaid Cards to your Apple Wallet directly via our Bank Muscat's Mobile Application by following the below steps:

• a. If you have not already added your card to your Apple Wallet, you will receive a pop-up message upon logging into the mBanking App to add your card.
• b. Alternatively, select the Menu button -> Select Apple Pay -> Add your card to Apple Pay -> Select the Card Type -> Select the Card Number
• c. Your card image will be displayed along with the "Add to Apple Wallet" button.
• d. Click on the "Add to Apple Wallet" button which will direct you to the Apple Wallet App where you need to set up your fingerprint or face ID or Passcode as per the initial Apple Wallet setup on your device.
• e. Read & agree on the Terms and Conditions.
• f. Your card will be successfully added to your Apple Wallet.

Once you have added your card to your Apple Wallet, open the Bank Muscat Mobile App and navigate to Apple Pay > Verify Cards > Select the card type > Select the card number > Select Activate.

Only Apple devices will be supported for the Apple Pay feature. If you are using a supported Apple device, please ensure you have updated the latest Bank Muscat Mobile Banking App.

Apple Pay can only be activated on mBanking.

Only active Bank Muscat Debit, Credit and Prepaid Cards are eligible to be added to your Apple Wallet.

You can still activate your card on your device either by calling our Call Centre or by logging into Bank Muscat's Mobile Banking App on another supported Apple device and navigate to Apple Pay -> Verify Cards -> Select the card type -> Select the card number -> Select Activate.

You can still activate your card on your device either by calling our Call Centre on 24795555 or by logging into Bank Muscat's Mobile Banking App on your Samsung device & navigate to Samsung Pay > Verify Cards > Select the card type > Select the card number > Select Activate.

Choose Oman Region by navigating to Settings -> General -> Language & Region -> Region in your Apple device.

Customers can ask their family members to add their Bank Muscat Supplementary credit card directly in their supported Apple or Samsung wallets. The customer who is using the Bank Muscat Mobile App can verify the supplementary card from their Apple device by navigating to Apple Pay -> Verify Cards -> Verify option

Yes, you can change the repayment account of your Credit Card on Internet Banking by following the below steps:

• Go to the Customer Service > Service Requests.
• Click "Credit Cards".
• Click "Change in Repayment Account".
• Select “Credit Card”.
• Select "New Repayment Account".
• Select "Continue".
• Authenticate your transaction with Soft or Hard token.
• You have successfully changed your Credit Card repayment account.

Yes, by default, all cards are enabled for international access. However, if you would like to disable this option, you can log in to the Internet Banking, navigate to Service Requests > Select > Enable/Disable International Usage > Switch the Radio Button (OFF).

Log in to the Internet Banking, navigate to Service Requests > Select > Enable/Disable International Usage > Switch the Radio Button (ON).

Log in to the Internet Banking, navigate to Service Requests > Select > Enable/Disable International Usage > Switch the Radio Button (OFF).

You will be able to:

• 1. Withdraw money from ATMs during your travel
• 2. Utilize the card on POS machines
• 3. E-commerce (online) transactions

If your card is disabled for international usage, you will not be able to use your card for transactions at international ATMs & POS Terminals, however you will be allowed to perform e-commerce (online) purchases.

Go to Transfers > Beneficiary > Add New Beneficiary.

It will take 30 Minutes for a new beneficiary to be activated.

Yes, you will be notified through email & SMS once the beneficiary is ready for transfers.

Yes, you can add the beneficiary to a group once it has been activated.

You will be able to send a maximum of OMR 1,000 during the first 24 hours after the new beneficiary has been activated.

You can apply for a New Debit card on Internet Banking or Mobile Banking by following the below steps:

• Log in to Internet Banking or Mobile Banking.
• On Internet Banking, select Customer Service -> Service Requests -> Debit Cards -> Apply for New Debit Card.
• On Mobile Banking, select Requests -> Debit Cards -> Apply for New Debit Card
• Select your Account Number.
• Select your eligible Card Type.
• Embossing Name will be displayed.
• Select the Delivery Mode.
• If "Branch" is selected, select your preferred branch for collection. If "Courier" is selected, select your Area.
• Read & agree on the Terms and Conditions.
• Select "Continue".
• Review the details.
• Authenticate using the One Time Password (OTP) sent on your Soft Token App
• Your new Debit Card request will be successfully created and your.card will be delivered either via courier or you can collect it at your preferred branch depending on the delivery mode selected.

• No, you will not be charged as your first Debit Card for an account will be free of charge.

• Yes, you can apply for a maximum of one eligible segment card & five Classic Debit Cards per account.

• Yes, you can request a Debit Card for children aged seven years & above.

• You can only request one debit card, which can either be a Floosi Debit Card or a Classic Debit Card. If the minor already has a Debit Card, they will not be eligible for another one.

• Currently, you will not be able to change the name embossed on your card.

• No, you are not required to apply for a new Debit Card when you open an Instant Account. Alternatively, you can link your existing debit card to the newly created account by following these steps: Select Debit Cards -> Link Debit Card to Multiple Accounts.

• Please click here for new Debit Card issuance charges. The charges will also be displayed on the final preview screen.

• No charges are applicable for branch collection. However, there is a charge of OMR 1.250 + 5% VAT for courier delivery.

• You must select your area in order for the courier company to deliver your debit card to your correct address without any hassle.

• Your new debit card will be created instantly. However, delivering to your branch might take up to three working days and courier delivery may take up to five working days (depending on the courier company).

• Please follow the instructions mentioned in the card package you received your card in.

• Yes, you may add your new debit card to your Apple Wallet/Samsung Wallet once it is activated.

• You can call the Contact Centre on 2479 5555 or email care@bankmuscat.com to check the status of your new debit card delivery.

Yes, you can set standing instruction from your account to prepaid card.

Go to Bill Payments > Funding of prepaid card

• - Select Debit Account
• - Select Prepaid Card number
• - Enter amount
• - Select transaction recurrence type: Recurring
• - Select recurring start date
• - Select frequency of transaction
• - Select number of instalments
• - Enter remarks
• - Click Continue
• - Review the details and click on Submit.
• - Standing order will be set successfully

Maximum amount is OMR 2000 per transaction.

There are no charges for setting standing instruction. However, funding of prepaid card will be charged 105 baiza per transfer / load.

Yes, you can cancel standing instruction to prepaid card.

No, there are no cancellation charges.

This means you have one or more debit card pending renewal in the next 90 days, which requires your action to renew by logging into Internet Banking or Mobile Banking.

You can renew your debit card through Internet Banking or Mobile Banking by following the below steps:

• 1. Login to Internet Banking or Mobile Banking.
• 2. Select "Customer Service" -> "Service Requests" -> "Debit Cards" -> "Renew Debit Card".
• 3. Select your debit card to renew.
• 4. The linked Account Number to the card & the Embossing Name will be displayed.
• 5. Select the Delivery Mode.
• 6. If "Branch" is selected, select your preferred branch for collection. If "Courier" is selected, select your Area.
• 7. Read & agree to the Terms and Conditions.
• 8. Select "Continue".
• 9. Review the details.
• 10. Authenticate with the one-time password (OTP) on your Soft Token App.
• 11. Your debit card will be successfully renewed.
• 12. Your card will be delivered either via courier or you can collect the card at the branch depending on the delivery mode selected

Renewal of debit card(s) is free of charge.

No charges applicable for branch collection. However, there is a charge for courier delivery. For more information on the charges, please click here.

You must select the correct Area in order for the courier company to deliver your card to your address without any hassle.

Currently, you can renew debit cards that are expiring only within the next 90 days.

Currently, you will not be able to renew debit cards that are expired.

It is recommended to use our Internet Banking or Mobile Banking to renew your debit cards which are due for renewal in the next 90 days. If not, your card might not get renewed as automated renewal will not take place.

Your debit card will be renewed instantly. However, delivering to your branch might take up to three working days & courier delivery may take up to five working days (depending on the courier company).

Please follow the instructions mentioned in the card package you received.

Yes, you may add your renewed debit card to your Apple Wallet or Samsung Wallet once it is activated.

You can call the Contact Centre on 2479 5555 or email care@bankmuscat.com to check the status of your renewed debit card delivery.

You will have to wait 12 hours after your Soft Token App is activated for all transfers that require the authentication through the Soft Token App.

Yes but you will need to wait 12 hours after the Soft Token App is activated to update or change your mobile number and email address.

• E-mandate is a digital payment solution that enables corporations to automate recurring payments on a scheduled basis without manual intervention. Having mutual consent between the individual & corporation following CBO instructions.

• The "Payer" is the party whose account gets debited & the "Payee" is the party whose account gets credited.

• The "Beneficiary", "Payer" or "Debtor" is the party whose account is gets debited and this word is being used interchangeably.

• The "Payee" is also called the "Creditor" as their account is getting credited.

• There are no charges for creating an E-Mandate.

• Revocable: A mandate that can be revoked or cancelled by either the beneficiary or the payer, without requiring approval from the other party.

• Irrevocable: A mandate that cannot be revoked or cancelled without approval from both parties (both the beneficiary & payer).

• A Fixed E-Mandate will be of a fixed amount whereas if the E-Mandate is a Variable, then variable amounts will be applicable.

• Auto Release “Yes”: Your payments will be automatically debited from the payer’s account without any payment initiation required from Payee.
• Auto Release “No”: Your payments need to be initiated manually from the payee. Accordingly, the amount will be debited from the payer’s account on the specified date.

• Auto Release “Yes”: Your payments will be automatically debited from your account without any payment initiation required from Payee.
• Auto Release “No”: Your payments need to be initiated manually from the payee. Accordingly, the amount will be debited from the payee’s account on the specified date.

• Payments cannot be "Auto Released" in the Variable field as the amount is dynamic.

• E-Mandates can be submitted by the payee (maker) who are Bank Muscat Najahi Business Banking Customers or Corporate Customers.

The Maker (Payee) has to login to Bank Muscat's Corporate Internet Banking & follow the below steps:

• a. Select "E-Mandate" from the Homepage.
• b. Select "Create Mandate".
• c. Select the crediting Account Number in the Beneficiary's (Creditor's) information page.
• d. Enter all the correct Payer information including the ID Type, ID Number, Bank Name, Bank Account Number.
• e. Select the Mandate information such as Mandate Purpose, Amount Type, Auto Release, Frequency, Start & End Date of the Mandate and the Amount.
• f. Select "Continue".
• g. Review all the details.
• h. Authenticate with the Secure Token one-time password (OTP).
• i. The Mandate will be submitted successfully to the Checker for approval.

• Yes, the "Payee" can submit an E-Mandate to the "Payer" of any other bank within Oman by selecting the correct payer information including the Bank Name & Bank Account Number.

• Yes, the "Payee" can submit an E-Mandate to the "Payer" within any bank in Oman by selecting the correct payer information including the Bank Name & Bank Account Number.

• If incorrect details are entered, the E-Mandate will be rejected. The status and reason can be viewed on the E-Mandate page by selecting: E-Mandate -> Mandate List.

• Depending on the workflow, one or more checkers can approve the submitted E-Mandate by selecting View Approval Queue -> E-Mandate.

• Depending on the workflow, the E-Mandate will be successfully created after successful approval from the final checker.

• It will take up to 5 minutes for the mandate to appear in the payer’s approval queue.

• You can view the status with the remarks of your submitted E-Mandate by selecting: E-Mandate -> Mandate List.

• You can approve or reject this mandate on Internet Banking or Mobile Banking by navigating to E-Mandate -> Accept/Reject E-Mandate. To accept the Mandate, enter the remarks. To reject the Mandate, select the reason for rejection.

You can view the status of your E-Mandate with the remarks that is approved or rejected:

• Internet Banking: select E-Mandate -> Mandate List.
• Mobile Banking: select E-Mandate -> Mandate History.

• Yes, you must approve/reject the E-Mandate within 5 days.

• The E-Mandate will get auto-rejected & it will be marked as expired. The status will be visible on the "Mandate List" page.

• It would take up to 5 minutes for the Mandate status to appear for the payee & the payer.

• If an E-Mandate is rejected, the payment will not be processed.

• No, you cannot initiate a rejected E-Mandate. You must resubmit another request.

• The E-Mandate will expire once it reaches the set end date. The status will be visible on Mandate List page.

• You can view the payment details under Collections -> Mandate List -> Select your E-Mandate -> select the Payment Details.

• You can view the payment details under E-Mandate -> Mandate List -> Payment Details.

• The Payee should initiate the payment for a Fixed E-Mandate where the Auto Release is ‘No’. In case the Auto Release is ‘Yes’, then there is no need to initiate the payments as it will be auto debited on the set date as per the frequency.

• The Payee should initiate the payment for a Variable E-Mandate where Auto Release is ‘No’.

• Fixed E-Mandate: The Payee should initiate the payment for an E-Mandate by selecting Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Initiate Payment.
• Variable E-Mandate: The Payee should initiate the payment for an E-Mandate by selecting Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Initiate Payment -> Enter the amount (less than the variable amount inputted).

• The Payee can initiate the payment for an E-Mandate by selecting File Upload -> Upload a file menu with the prepared file containing the correct details of the Variable E-Mandate/Fixed E-Mandate where Auto Release is marked as ‘No’.

• You can find the sample payment processing files for an E-Mandate in the sample file section by navigating to File Upload.

• Initiated payments will take up to 5 minutes for processing from the time of initiation. The status will be visible in the payment details screen.

• You can view the payment status of an accepted E-Mandate via Collections -> Mandate List -> Select the E-Mandate -> Payment Details.

• The payment will get rejected & the status will be updated. An ROP Memo can be downloaded for the failed payment(s) from Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Download the ROP Memo.

• An E-Mandate is an agreement between the payee & the payer to pay the amount on an agreed frequency. If the payer fails make the payment, the payee has the option to download the ROP Memo to lodge an official complaint against the payer.

• Yes, however you are only allowed to retry the rejected payment up to 3 times.

• Once the E-Mandate expires, the status will be available via E-Mandate -> Mandate List. You can view all the details of the E-Mandate & the payments.

• Yes, you can view the Mandate & the payment details of E-Mandate that has expired, via E-Mandate -> Mandate List.

• Yes, you can view the details of an E-Mandate that has expired via E-Mandate -> Mandate List & payment details under Collections -> Mandate List -> Select the E-Mandate -> Payment Details.

• You can download the Direct Debit Mandate Form for Active & Expired Mandates from the following menu - E-Mandate -> Mandate List -> Select the Mandate.

• You can view available E-Mandates via E-Mandate -> Accept/Reject E-Mandate queue.

• Yes, each & every step of the E-Mandate is notified to the customers. Both, an SMS & Email will be sent.

• Currently, there is no option to cancel or amend an accepted E-Mandate.

• Currently, there is no option to cancel or amend an accepted E-Mandate.

• You can contact our Customer Care hotline on 2479 5555 or email care@bankmuscat.com for further assistance.

• You can contact our Customer Care hotline on 2479 0000 or email najahi@bankmuscat.com for further assistance.

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.

• There are no extra charges for usage of Online Banking.
• However, normal product fees and transaction related charges continue to apply.

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

You are entering incorrect Corporate ID or User ID.

You are entering incorrect Password.

Your User ID may be disabled.

Your Secure Token may be locked due to 5 invalid attempts of PIN entry.

Your token may be Lost/Stolen

• To know your Corporate ID or User ID (1), Please write to us at customerservice@bankmuscat.com or corporateservicedesk@bankmuscat.com
• To reset your password (2) or Enable Your User ID (3) or Enable Your Secure Token (4); please visit your branch to request for the same.

• Yes, you can change your password using the option "My Profile-> Change Password" anytime to ensure security.
• When changing your Password make sure that you set up something that no one could guess. You must memorize your Password and never write it down.
• These important steps will prevent unauthorized individuals from accessing your financial information.

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.

• You will receive an error message if you enter an invalid password.
• You have 5 attempts to enter the correct login password. Entering wrong password on 5th time will lock your User ID

• Yes. You can see a summary of your company position at one go under "Summary" screen once you have logged-in to Online Banking.
• Summary screen gives you a consolidated snap shot of the complete banking relationship that you have with Bank Muscat

Yes, you can view the latest transaction or historical transactions belonging to all your

• Accounts,
• Deposits
• Credit cards
• Trade products

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.

• Current Account.
• Credit cards
• Deposits
• Trade products

• Go to Accounts->Current Accounts.
• Click the option "Detailed Statement" to see the transaction using date filter. or Last N Months Filter. Or
• Click the option "Mini" to see your last 10 transactions.

• The two balances that appear on your account details screen are your Account Balance and Available balance.
• Account Balance shows how much total money you have in your account now.
• Available Balance shows how much money you can take out of your account immediately.

Yes, You can go to Accounts > Trade Products and see the Outstanding Balance of all trade products.

• Go to Accounts->Deposit Accounts
• Click the option "Transaction History" against your deposit to see all transactions.

• Credit Card Outstanding Balance enquiry
• Credit Card Details
• Credit Card Transaction History
• Credit Card Payment
• Credit Card Billed statement

• You can now view the transactions performed on your credit card.
• All you need to do is to click on 'Transactional History' under Credit Card Summary and key in the period of the transactions you want to view.

• Click Accounts > Credit Cards
• Click on Billed Statement against the card for which you wish to generate a statement.
• Select an appropriate Billing Date and Click on ‘Go’ to get the list of transactions.
• Select "Download details as -> PDF" option if you wish to download or save the account statement as PDF file.

• Go to Accounts > Credit Cards and click on Credit card Number
• You can see the details related to Total Credit Limit, Available Credit Limit, Payment Due Date, Minimum Payment Amount, Amount Overdue etc

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:

• Check your inbox for received mails
• Send a Mail
• Reply to a Mail
• Delete a Mail

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 customerservice@bankmuscat.com Or corporateservicedesk@bankmuscat.com

• 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".
• Your personalised welcome message will appear on each page within Internet Banking. Follow the guidelines below for entering your greeting:

• Enter any name up to 30 characters, including spaces, in the field provided.
• Select the Next button to confirm your changes.
• Please logout after setting up of your Nick name and re login. Your custom greeting will appear immediately in the top Right-hand section of each page within Online Banking.

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.

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 Corporate Internet Banking platform, in case you have not registered for Bank Muscat Corporate Internet Banking please visit the branch or contact your Relationship Manager to enquire on the registration.
• • Click here for Corporate Additional Services Form to proceed with the registration. https://corp.bankmuscatonline.com/corp/L002/bankmuscat/helpfiles/Additional_Services_form_for_Corporate_Online_Banking.pdf
• • Have successfully downloaded BM Soft token app from App store/play store/Huawei gallery onto your mobile device.
• • 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 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. Click on Corporate
• 4. Click on Scan QR Code, your mobile device camera will open
• 5. To proceed with the scanning, login to your Corporate Internet Banking User and go to Token Related Services > Activate Soft Token > Press “Go”
• 6. Click on Generate Coloured QR Code button, a coloured QR code will be displayed for scanning from Soft Token App
• 7. After scanning, an OTP will be sent to your registered e-mail and mobile number to be entered in the Soft Token App
• 8a. For customers using IOS device,
• • A pre-composed SMS message to a short code recipient will be displayed in your IOS messaging app, simply press the send icon.
• 8b. For customers using Android device,
• • Allow SMS permission to send pre-composed SMS message to a Bank Muscat short code recipient from your messaging app, simply press the send icon.
• 9. You will be directed to MPIN setup screen where you need to enter MPIN, confirm MPIN and click Submit.
• 10. You will be successfully registered for soft token app and it will be ready for use.

• • Yes. You can activate your Retail User within the same Corporate Soft Token App. Simply click on “Add User” and follow the on-screen instructions to activate your retail user.

• 1. Enter your registered mobile number, Debit Card number, PIN and click continue.
• 2. SIM Authentication screen will be displayed, you need to click on Submit.
• 2a. For customers using IOS device,
• • A pre-composed SMS message to a short code recipient will be displayed in your IOS messaging app, simply press the send icon.
• 2b. For customers using Android device,
• • Allow SMS permission to send pre-composed SMS message to a Bank Muscat short code recipient from your messaging app, simply press the send icon.
• 3. You will be directed to MPIN setup screen where you need to enter MPIN, confirm MPIN and click Submit.
• 4. You will be successfully registered for soft token app and it will be ready for use.
• 5. Login to your Internet Banking and go to Token Related services > Activate Soft token > Press “Go”.
• 6. Click on Generate Coloured QR Code button, a Coloured QR code will be displayed.
• 7. Now launch your BM soft token app on your mobile device and tap on Scan QR Coloured Code.
• 8. Your mobile device camera will open, scan the Coloured QR code displayed on your internet banking screen.
• 9. You will see a success message on the app, you will also receive an SMS & email notification once the activation is completed.
• 10. Your soft token will be ready for use.

• • You can have up-to 5 users which 4 can be Corporate Users in 1 Soft Token device and only 1 Retail user is allowed.

• • Simply click on “Add User” after logging into your Retail Soft token App and proceed with the Corporate User activation by following the on screen instructions.

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

You can authenticate your Internet Banking transactions by taking the following steps:

• • 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 Notifications and allowed permissions for BM Soft Token App to send you such notifications.
• • For iPhone users, to enable Push Notifications, go to Settings > Notifications > BM Soft Token > turn on Allow Notifications.
• • For Android users, to enable Push Notifications, go to Settings > Notifications > 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 in 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
• • You will get the details of the Corporate User with instructions to proceed, then click on “Continue”
• • Login to your Internet Banking Corporate and go to Token Related services > Soft Token Related Services > Forgot MPIN > Press “Go”.
• • A 6-digit Challenge Code will be generated.
• • Enter the 6-digit Challenge Code in your Soft Token App
• • 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
• • If your first time Soft Token registration was completed with your Corporate user:
• • o You will get the details of the Corporate User with instructions to proceed, then click on “Continue”
  • o Login to your Internet Banking Corporate and go to Token Related services > Soft Token Related Services > Forgot MPIN > Press “Go”.
  • o A 6-digit Challenge Code will be generated
  • o Enter the 6-digit Challenge Code in your Soft Token App
  • o Enter new MPIN, confirm MPIN and click Submit.
  • o You can login to the Soft Token App with your new MPIN.
• • If your first time Soft Token registration was completed with your Retail user:
• • o Enter your registered mobile number, Debit Card number and PIN.
  • o Enter OTP received on your registered mobile number and click Next.
  • o Enter new MPIN, confirm MPIN and click Submit.
  • o 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 “Token Related services > De-register Soft token” to deregister your mobile device.
• • You can also contact our call center 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 into 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 Token related services > Soft 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 “Token related services > 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 “Token related services > Soft 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.

• You will need to submit the additional services form duly filled.
• Bank will taken 3 working days to activate your Secure Token
• SMS & Email will be sent on your registered mobile number & Email ID upon activation of Secure Token.
• On receipt of SMS & Email,you can use your Secure Token for performing all transactions.

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

• Enter the Deposit Amount
• Choose the tenor of your Fixed Deposit.
• Select the account from which funds will be used to open your Fixed Deposit Account and click on Continue.
• Select the appropriate Interest Instruction details.
• Select the appropriate Renewal Instruction details and click on Continue.

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.

• If you would like to know the latest tenors and interest rates offered by Bank Muscat for Fixed Deposits, click on 'Fixed Deposit Interest Rate'.
• The calculator provides indicative rates of the maturity value. Rates are subject to change from time to time.
• 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 give a request for cheque book online through "Customer Service > Service Requests ->Accounts->Request New Cheque Book".
• Your request will be processed in 3 working days

Yes you can. Go to the "Customer Service >Service Requests >Credit Cards " option and select the "Block Credit Card" Section.

• Yes you can. Go to the "Customer Service >Service Requests >Debit Cards " option and select the "Block Credit Card" Section.

• 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".

• Go to "Customer Service > Service Request > Debit Cards > Enable International Access" .
• Select the Debit Card
• Select Start Date and End Date
• Select countries for which the access should be enabled & Continue
• Verify the details and Click "Submit"

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).

• Go to "Customer Service > Service Request > Debit Cards > Disable International Access"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

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).

• Go to "Customer Service > Service Request > Debit Cards > View/Delete – Enable Access Requests"
• Select the Debit Card and continue.
• Verify the details and Click "Submit"

This request will ensure that your debit card is disabled for ATM and POS transactions for the selected countries.

• Go to View Approval Queue->Service Request where you can see the listing of all Service request which are pending.
• Click on the Service request to continue approving till successful submission of your request.

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 save your time and money by not having to go to the billers office.
• You can also do an immediate payment or set a future date or scheduled recurring instructions for your bill payment.

You can pay bills to any of our listed billers

• Ooredoo Post paid GSM/Tel/Internet
• Ooredoo Top Up GSM/Tel/Internet
• Omantel Internet
• Omantel GSM
• Omantel Telephone
• Omantel Topup
• Renna / Red Bull Mobile Topup
• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• ONEIC Electricity
• ONEIC Water
• PASI – CIVIL
• PASI - COMMERCIAL
• Fees for Assafwah Private School
• Fees for Indian School Al Ghubrah
• Fees for Indian School Muladah
• Fees for Indian School Salalah
• Jaifar Ibn Al Julanda School Fees
• Fees for Mad Science Day Care
• Fees for Math Genius
• Fees for Modern Coll Business & Sci
• Fees for National Nursry Montessori
• Fees for Pakistan School Muscat
• Fees for Rikaz Tech and Human Res
• Fees for Sri Lankan School
• Fees for Sultan School
• Fees for Muscat College
• Fees for Middle east college of Information
• Fees for Indian School Muscat
• Fees for Markaz Alisary School
• Fees for Indian School Sohar
• Fees for Indian School Maabela

• Log in to Internet Banking.
• Select the Bill Payment option.
• Choose between the option "Payment to New Biller" or "Payment to Registered Biller" if you want to make payment to a New Biller or to a biller which is already registered respectively.
• Enter the Biller Information you want to pay.
• Click on Validate Biller.
• Enter the payment details and confirm the transaction

• Go to View Approval Queue > Billers where you can see the listing of all Biller registrations which are pending.
• Select only the record having the status as "Pending for My Approval"
• Click on "Approve" button to continue till successful submission of your request.

• Go to View Approval Queue > Payments where you can see the listing of all transfer/Bill payment transactions which are pending.
• Select the record having the status as "Pending for My Approval" and Click on "Approve" button to continue till successful submission of your request.

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..

• OIFC Electricity - Muscat (MEDC)
• OIFC Electricity - Mazoon (MZEC)
• OIFC Electricity - Majan (MJEC)
• OIFC Electricity - Rural(RAECO)
• OIFC Electricity - Dhofar (DPC)
• OIFC Water
• Omantel Internet
• Omantel Telephone
• Omantel GSM Postpaid
• Ooredoo GSM Postpaid
• Ooredoo Landline
• Ooredoo Internet
• PASI – CIVIL
• PASI - COMMERCIAL

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.

• Yes, you can set a future date or schedule a recurring instruction for your bill payment.
• However, if you are setting a future date or scheduling a recurring instruction, please ensure that you have sufficient funds in your account, as your account will be debited on the day of payment.

** Please note that you cannot schedule a one time or recurring standing orders for all Omantel, Ooredoo, Renna OIFC, ONEIC & PASI payments.

• Go to Bill Payments option.
• Select the Transaction Date (dd/MM/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Bill Payment.

• Go to Bill Payments option.
• Select Recurring from the "Frequency Type" drop down field.
• Specify date when the payment should start in the "Recurring Start Date" field.
• Specify the frequency of the payment in "Frequency" Field.
• Specify the Number of Installemnts of the payment to be made in "Number of Installments" field.
• Complete the remaining details to set up your Recurring Bill Payment.

• Yes, go to "Transfers " > " Standing Instructions"
• Select Current Standing Instructions from the Instruction Status drop down and click on Search to get the list.
• Click on Stop to Continue
• Make sure that you are stopping the Standing instruction 1 working day prior to the due date of the execution.

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.

• Yes, you can pay via immediate, future transfer or scheduled payment mode.
• Simply go to 'Bill Payments > Payment to Credit Card'
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction.
• Once your request is successfully submitted, your transaction will be processed. The credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

• Yes, you can pay via immediate, future transfer or scheduled payment mode.
• Simply go to 'Bill Payments > Payment to Credit Card'
• In Case you have already registered the credit card for payment just select it from the registered biller list.
• Else fill in the credit card information and confirm the transaction.
• Once your request is successfully submitted, your transaction will be processed. The credit card will be added under your Registered Biller List and you can make use of the same for all your future payments.

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.

• Go to Transfers > Fund Transfers and select the relevant transaction type
• Select the Transaction Date (dd/MM/yyyy) to any future date you wish to make the payment.
• Complete the remaining details to set up your One-time Future Dated Transfer.

• Go to Transfers > Fund Transfers and select the relevant transfer type.
• Select Recurring from the "Frequency Type" drop down field.
• Specify date when the transfer should start in the "Recurring Start Date" field.
• Specify the frequency of the transfer in "Frequency" field.
• Specify the Number of Installemnts of the transfer to be made in "Number of Installments" field.
• Complete the remaining details to set up your Recurring Transfer.

• Go to View Approval Queue > Beneficiaries where you can see the listing of all beneficiary registration which are pending.
• Select only the record having the status as "Pending for My Approval"
• Click on "Approve" button to continue till successful submission of your request

• Go to View Approval Queue > Payments where you can see the listing of all transfer/Bill payment transactions which are pending.
• Select the record having the status as "Pending for My Approval" and Click on "Approve" button to continue till successful submission of your request.

• This error occurs if you do not have enough transaction limit for the day.
• Your limit is consumed on successful initiating or Approving of transaction for the day.
• Please check the available limits under Transfers> Transaction Limit inquiry option.

• Go to "Transfers > Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.

• Go to "Transfers >Standing Instructions"
• Select “Completed Standing Instructions” from the Instruction Status drop down and click search

• The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on any Cross Currency Transfers.
• The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing

• After the payment is made, you will be shown a receipt screen. This screen will contain a ' Transaction Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screenwill also contain the transaction reference number. Please note this down and quote this in case of any transaction queries with Bank Muscat.
• You will be able to see the successful transaction appear in the mini/detailed statement as well as in Transaction History screen.

• Yes, go to "Transfers > Standing Instructions"
• Select “Current Standing Instructions” from the Instruction Status drop down and click search.
• Click on Stop to continue.
• Make sure that you are stopping the Standing instruction 1 working day prior to the due date of the execution.
• 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.

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:

• The users can initiate bulk transactions to other Bank Muscat accounts. There will be one debit transaction on the debit account and credit transactions on the beneficiary accounts.
• In case of bulk transfers to Non Bank Muscat accounts within Oman, the system automatically decides the transfer option ֠ACHor NEFT, depending on the amount per transaction and the beneficiary bank.
• All bulk transfers are essentially scheduled payments. The approvals for the bulk transfers should be done in advance before the scheduled date for the system to process the bulk transfer instruction.

• Login to Bank Muscat Internet Banking and go to File Upload Option.
• Download the excel file "Within bank sample file" if you want to process within bank payment types.

Or

• Download the excel file "WPS Salary Payment" if you want to process WPS salaries.

Or

• Download the excel file "Other bank sample file" if you want to process other bank payment types.
• File can be uploaded in .XLS, .XLSX & .CSV formats.

• Login to Bank Muscat Internet Banking and go to File Upload Option.
• Select your relevant Product type.
• Select the debit account (Same Account available in the file), enter the total transfer amount, total credit records and remarks (optional).
• Browse and attach file and click on continue button
• Enter the OTP generated on your Secure Token and Click on 'Submit'.
• You will receive a confirmation message and the request will be sent to the approver.

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.

• Login to Bank Muscat Internet Banking.
• Go to File Upload > Approve/Rejected Uploaded files.
• Select the record which you want to approve and click on " Approve" button and continue till successful submission of your request.

File processing cut-off time(where value date is the current date)

WPS Files

• All salary credits which are within Bank Muscat will be processed the same day.
• All outside Bank Muscat salary requests - Requests received on working days before 02:00 PM will be processed the same day. Requests received on working day after 02:00 PM or on public holidays and weekends, will be processed on the next working day.

Non-WPS files

• 'Within Bank Muscat' files uploaded before 07:00 PM - file will be processed the same day.
• 'Within Bank Muscat' files uploaded after 07:00 PM - file will be processed on next working day.
• All outside Bank Muscat files should be uploaded and approved at least a day in advance of the Processing date.
• All outside Bank Muscat salary requests - Requests received on working days before 02:00 PM will be processed the same day. Requests received on working day after 02:00 PM or on public holidays and weekends, will be processed on the next working day.

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 customerservice@bankmuscat.com orcorporateservicedesk@bankmuscat.com

• If your file has been processed successfully but with rejected transactions, the reversal amount will be automatically credited back to your account

• Go to "File Upload > View File Upload details"
• Click on File Number hyperlink and then click on "View Failed Transactions"
• You may see the reason for rejection.
• You can then re-initiate the same transaction or enter a fresh payment, as long as the reason for rejection has been addressed.

• Yes, you can now create a group with a maximum selection of 10 billers in a group this is only applicable for billers that are registered in your Bank Muscat Internet banking.

• 1. Go to bill payments
• 2. Select group bill payments
• 3. Select add new group
• 4. Enter group name
• 5. Select minimum 2 registered billers and maximum 10 in each group.
• 6. Review details & submit
• 7. A success message will be displayed of biller group creation.

• 1. Go to bill payments
• 2. Select group bill payments
• 3. List of group billers will be displayed, choose make payment from action.
• 4. Select debit account
• 5. Outstanding will be displayed, you can enter different payment amount & continue
• 6. Review details , enter OTP & submit
• 7. A success message of group transfer will be displayed next to each biller.

• 1. Go to transfers
• 2. Select group bill payments
• 3. List of group billers will be displayed, choose modify or delete from action
• 4. Modify required details & continue
• 5. Review & confirm details
• 6. A success message of update or delete group will be displayed.

• Yes, you can create a Transfer Group with a maximum of 10 beneficiaries in a group (from Bank Muscat Accounts) this is only applicable for beneficiaries that are registered in your Bank Muscat Internet Banking.

• 1. Go to "Transfers"
• 2. Select "Beneficiaries"
• 3. Select "Add New Beneficiaries"
• 4. Select "Group Transfer"
• 5. Select "Add New Group"
• 6. Enter the group's name
• 7. Select a minimum of (2) registered beneficiaries and a maximum of (10) in each group
• 8. Review the details & "Submit"
• 9. A success message will be displayed of your biller group creation

• 1. Go to "Transfers"
• 2. Select "Group Transfer"
• 3. Select the group from the list
• 4. Choose "Transfer Details" (same amount or different amount)
• 5. If you select "Same Amount", enter the transaction amount in OMR & click "Next"
• 6. If you select "Different Amount", please continue to the next page & enter the transaction amount
• 7. Select "Debit Account"
• 8. Review the details, click "Submit" and enter the one-time password (OTP)
• 9. A success message of your group transfer will be displayed

• 1. Go to "Transfers"
• 2. Select "Group Transfers" from the above tabs
• 3. A list of groups will be displayed
• 4. Select "Modify" or "Delete Group" from actions
• 5. Continue & Confirm
• 6. A success message of your update or deleted group will be displayed

• The transaction limit allowed per day is OMR 15,000.

• The number of transactions allowed per day is 50.

Yes, you can only stop unused cheques by simply following the below steps;

Customer Service> Service Request> Accounts> Stop cheque request

• - Select your account
• - Enter Cheque Number
• - Select the reason for stopping the cheque
• - Read and Accept the Terms & Conditions
• - Read the disclaimer
• - Verify the Stop cheque request summary
• - Enter OTP
• - Cheque will be stopped successfully and successful confirmation will be displayed.

For Multiple Cheques;

• - Select your account
• - Enter “From” Cheque Number
• - Enter “To” Cheque Number
• - Select the reason for stopping the cheque
• - Read and Accept the Terms & Conditions
• - Read the disclaimer
• - Verify the Stop cheque request summary
• - Enter OTP
• - Cheques will be stopped successfully and successful confirmation will be displayed.

No, any cheque number(s) entered that are stopped or cleared or presented cheques cannot be revoked.

A charge of OMR 5.250 (inclusive of 5% VAT) will be automatically deducted from your account for the first stop cheque request (single or multiple) made per day.

Older versions of the below mentioned browsers may experience problems in rendering the new Online banking and this may affect usability and certain functions.

• The following specifications are the minimum essential requirements for getting started with Internet Banking:

• Auto Release “Yes”: Your payments will be automatically debited from the payer’s account without any payment initiation required from Payee.
• Auto Release “No”: Your payments need to be initiated manually from the payee. Accordingly, the amount will be debited from the payer’s account on the specified date.

• E-Mandates can be submitted by the payee (maker) who are Bank Muscat Najahi Business Banking Customers or Corporate Customers.

The Maker (Payee) has to login to Bank Muscat's Corporate Internet Banking & follow the below steps:

• a. Select "E-Mandate" from the Homepage.
• b. Select "Create Mandate".
• c. Select the crediting Account Number in the Beneficiary's (Creditor's) information page.
• d. Enter all the correct Payer information including the ID Type, ID Number, Bank Name, Bank Account Number.
• e. Select the Mandate information such as Mandate Purpose, Amount Type, Auto Release, Frequency, Start & End Date of the Mandate and the Amount.
• f. Select "Continue".
• g. Review all the details.
• h. Authenticate with the Secure Token one-time password (OTP).
• i. The Mandate will be submitted successfully to the Checker for approval.

• Yes, the "Payee" can submit an E-Mandate to the "Payer" of any other bank within Oman by selecting the correct payer information including the Bank Name & Bank Account Number.

• Yes, the "Payee" can submit an E-Mandate to the "Payer" within any bank in Oman by selecting the correct payer information including the Bank Name & Bank Account Number.

• If incorrect details are entered, the E-Mandate will be rejected. The status and reason can be viewed on the E-Mandate page by selecting: E-Mandate -> Mandate List.

• Depending on the workflow, one or more checkers can approve the submitted E-Mandate by selecting View Approval Queue -> E-Mandate.

• Depending on the workflow, the E-Mandate will be successfully created after successful approval from the final checker.

• It will take up to 5 minutes for the mandate to appear in the payer’s approval queue.

• You can view the status with the remarks of your submitted E-Mandate by selecting: E-Mandate -> Mandate List.

• No, you cannot initiate a rejected E-Mandate. You must resubmit another request.

• You can view the payment details under Collections -> Mandate List -> Select your E-Mandate -> select the Payment Details.

• The Payee should initiate the payment for a Fixed E-Mandate where the Auto Release is ‘No’. In case the Auto Release is ‘Yes’, then there is no need to initiate the payments as it will be auto debited on the set date as per the frequency.

• The Payee should initiate the payment for a Variable E-Mandate where Auto Release is ‘No’.

• Fixed E-Mandate: The Payee should initiate the payment for an E-Mandate by selecting Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Initiate Payment.
• Variable E-Mandate: The Payee should initiate the payment for an E-Mandate by selecting Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Initiate Payment -> Enter the amount (less than the variable amount inputted).

• The Payee can initiate the payment for an E-Mandate by selecting File Upload -> Upload a file menu with the prepared file containing the correct details of the Variable E-Mandate/Fixed E-Mandate where Auto Release is marked as ‘No’.

• You can find the sample payment processing files for an E-Mandate in the sample file section by navigating to File Upload.

• Initiated payments will take up to 5 minutes for processing from the time of initiation. The status will be visible in the payment details screen.

• You can view the payment status of an accepted E-Mandate via Collections -> Mandate List -> Select the E-Mandate -> Payment Details.

• The payment will get rejected & the status will be updated. An ROP Memo can be downloaded for the failed payment(s) from Collections -> Mandate List -> Select the E-Mandate -> Payment Details -> Select the Payment Sequence -> Download the ROP Memo.

• An E-Mandate is an agreement between the payee & the payer to pay the amount on an agreed frequency. If the payer fails make the payment, the payee has the option to download the ROP Memo to lodge an official complaint against the payer.

• Yes, you can view the details of an E-Mandate that has expired via E-Mandate -> Mandate List & payment details under Collections -> Mandate List -> Select the E-Mandate -> Payment Details.

• You can contact our Customer Care hotline on 2479 0000 or email najahi@bankmuscat.com for further assistance.