Precautionary measures we’re taking against Novel Coronavirus COVID-19

The health and wellbeing of our employees and customers remains our highest priority and we are closely monitoring the latest reports and updates from the Ministry of Health (MOH) and have taken a number of precautionary measures for the health and safety of our customers and employees. We are continuously working with all our departments to align and update ourselves on appropriate responses for any situation amid this outbreak. We assure you of our continuous services during this time to highest level of satisfaction, while we continue to be guided by the relevant authorities.
COVID-19 Loan Deferment 
At NBO we care for you, due to the current pandemic (Covid-19), NBO is committed to stand with our customers by offering immediate relief measures for those who have been directly and indirectly affected. Our efforts through these relief measures are directed towards helping you focus on the well-being of yourself and your family during these challenging times and is catered for all affected resident customers that need it the most during these challenging times.
If you are an Omani who is directly affected and had his/her salary reducted, click here to apply. If you're an indirectly affected customer, click here to see how you can apply.  
Frequently Asked Questions (FAQs)
1. Q: What is meant by loan deferment?     
A: It is a temporary suspension of loan instalment (including principal & interest) payment obligation for a limited period of time for the resident borrowers / customers of the bank. During this period, the affected customers with loan do not need to make any payment, and no late payment charges will be imposed on them. Affected customers will need to honor the deferred payments in the future as per agreed / revised terms of payments.

2. Q: Which loans are eligible for deferment?     
A: All active non delinquent Personal Loan (Salary Related Loan) and Housing Loans and Overdrafts are eligible for deferral.

3 Q: Are credit card outstanding amounts included under the deferment?     
A: No
4 Q: In case multiple loan facilities are availed by the customer, is the deferral applicable for all facilities?     
A: Yes, deferral is applicable to all eligible loans. The customer can select the loan(s) for which he wants to avail the deferral in the mobile banking application.  

5 Q: Can this deferred payment be availed by non-resident customers also?
A: No, only it is for Omanis & resident borrowers are eligible to avail this deferred payment.    
6 Q: What about the interest on the loan during deferment? 
No interest-on-interest on the defer loan / instalments should be charged for all affected borrowers. However, interest will continue to be added (accrued) on the loan (principal of instalments only) that are deferred, and customers will need to honor the payment in the future. Treatment of the interest payments will be as per terms and conditions applicable to the loan facility.
For customers who are directly financially affected due to salary reduction based on which they had taken the loan, shall be offered the deferral without any interest.

7 Q: Will there be charges associated with processing customer deferments? 
A: No charges are to be levied.

8. Q: Is availing the deferment mandatory or optional? 
A: It is optional to avail the deferment. The customer can choose whether to avail the deferment or continue to pay the monthly installment.
For customers who do not wish to avail of deferment, no further action is required, the EMIs will be deducted as normal.

9. Q: What are the reasons for applying for a COVID-19 deferment?
A: Customers are required to specify the reasons for applying which may include:
Directly Affected:
Reduction in salary based on which loan was availed
Indirectly Affected:
Additional income stopped / reduced
Leave without pay
Increased expenses
Other financial impacts

10. Q: Where can customers apply for the deferment? 
A: Customers can apply for the deferment via NBO’s mobile banking application. If customer is facing difficulties, customer can contact the call center
- Directly affected customers (with reduced salaries) are requested to email the required documents to
- Indirectly affected customers need to apply via NBO mobile application

11. Q: For what period is the deferment offered? 
A: Customers can apply for the deferment for any or all of the months of May, June & July. 
12. Q: What is the cut-off time whilst applying for the COVID 19 deferment? 
A: Customers must apply for the deferment, 5 days prior to salary credit    

13. Q: What if the customer applies for the COVID 19 deferment later than the specified 5 day prior to salary period? 
A: Customers must submit their requests at least 5 days prior to salary credit. If the customer submits the request within less than 5 days from monthly installment due day or after the monthly installment due date and the monthly instalment is debited, then the deferment will begin next month, if he / she has applied for next month deferment.    

14. Q: How will the deferment affect my loan monthly installment? 
A: The deferment will be applied on the loan installment. The accrued interest will be added to loan outstanding at the end of deferment. This will result in increase in remaining tenure of the loan.   

15. Q: How many deferments is a customer eligible for during 2020?
A: Customers are eligible for 3 months deferments May to July 2020    

16. Q: Which customers are eligible for the COVID-19 deferment? 
A: The deferment of loan financing instalments as well as related interest is applicable to Affected Omani resident borrowers as below.

Directly affected Omanis borrowers working in private sector with reduced salary: customers who have a reduction in salary will not pay interest payments and additional fees (Applicable to Omani nationals only approved by the Ministry of Manpower)

Indirectly affected borrowers: customers who are financially impacted by COVID will receive an installment deferment without charges, with interest being accumulated

17. Q: If a customer has already taken a deferment prior to the COVID 19 deferment will he / she still be able to avail an additional deferment? 
A: Yes, customers can avail COVID related deferments in addition to previous deferments, provided he/she is not exceeding 3-month deferment

18. Q: Will the insurance premium be charged when availing the deferment? 
A: Yes, the insurance premium on the loan will be debited as usual    

19 Q: If the customer is impacted for a shorter period (eg. 2 months of temporary hardship), would the bank offer him 2 months deferment only in lieu of full 3 months? 
A: Yes, if the bank shall follow an approval process for all deferral requests and if it is established that the period of actual financial hardship is lesser, then bank may restrict the deferment to actual period of financial hardships only. The customers shall be informed of the approvals via bank channels.     

20 Q: If a customer has opted to avail this Covid-19 deferment option, would the customers still be eligible for new loans?
A: Yes, customers’ eligibility for obtaining new loans will not be impacted by availing the deferment facility. However, the bank will evaluate new loan applications as per internal credit policies and risk assessment procedures.    

21: What documentation is required when applying for the Covid 19 deferment? 
A: Documents required:
Directly affected customers:
Request Form from website
Proof of salary reduction from employer
Ministry of Manpower confirmation

Indirectly affected customers:
No documentation required (request done via NBO mobile application)

Any other documents the bank may require

How is NBO managing its readiness and response?
NBO has operationalized its Crisis Management Team (CMT) to ensure an effective bank-wide readiness and response to this outbreak. CMT is continuously getting updates from authorities and collaborating internally to regularly communicate updates to our customers and employees.

How is NBO’s Business Continuity Plan implemented?
NBO has a Business Continuity Management Framework that’s aligned to its operating model and is in compliance with regulatory requirements. The Business Continuity Plans were tested to ensure organizational resilience and continuity of business services in the event of an emergency or crisis.

The following is a list of consumer branch services that can be done on our mobile banking app or online internet banking:

  • Fund transfer within your own accounts
  • Fund transfer locally to any NBO account
  • Fund transfer locally to any bank in Oman
  • International fund transfer to any bank globally
  • Instant (near real time) transfers to India
  • Order or top-up Badeel Prepaid Card
  • Manage your cards(s) - activate, block, block usage in certain countries, increase/decrease card usage limit
  • Request a cheque book
  • Stop cheque processing in event of losing cheques
  • View account, card or loan statement
  • Open additional savings account
  • Pay your credit card
  • Subscribe for e-Statement
  • Protect cheque (only on internet banking)
  • Download your account statement (only on internet banking)

In addition to the above, we would like to remind you of the following exclusive mobile banking app services & features:

  • Scan & pay at merchant outlets supporting QR payments
  • Recharge or pay mobile phone bills
  • Pay electricity, water or school fees
  • Pay a credit card transaction in installments using Easy Payment Plans (EPP)
  • Explore NBO's special offers, deals and discounts

The following is a list of corporate branch services that can be done on our Corporate Internet Banking:

  • Salary payments
  • Local and international funds transfers
  • Utility payments
  • Download statements
  • Bulk payments
  • POS analytics
  • Access to trade portal

Say goodbye to brokers and phone calls – NBO brings the stock market to you with MarketZone. Trade, monitor and grow your portfolio through a mobile app for the first time.

Download the Market Zone app to benefit from:

  • A portfolio snapshot including balance and historical trades.
  • Buying and selling stocks across the Muscat Securities Market (MSM).
  • Instant email and SMS notifications of your trade(s).
  • Instant alerts for current stock price levels. 
  • Bilingual capabilities across English and Arabic. 
  • Direct debit & credit to your linked account.

In-line with the measures we're taking in response to the COVID-19 coronavirus, our network of branches* will be limited to providing the following services:

  • Cash withdrawal and deposit beyond ATM/CDM limit
  • Cheque deposit/encashment
  • New account opening
  • New and additional personal loan
  • Request new credit card
  • Purchase insurance products
  • Purchase Investment products
  • Card/Cheque book collection

*Except for our closed Airport branch

Should you require any services that not available through these means or have any questions, please contact our call center on 800 77077.

Notice for Corporate Banking Client
Corporates should be informed that Central Bank of Oman (CBO) has extended their audited financials and net worth statements submission date to 30 June 2020.

Remittance to India

A multilingual support team has been established on money transfers to India that can be reached daily on 9807 7077, 9548 6650, 9548 63 66 from 9AM to 9 PM.

Bulk Account Opening for Laborers
Requests for bulk account opening can be sent


Branch Timings:

Due to the prevailing situation, we have made some changes in the ways you can bank with us. From 05 April 2020, all our branches will operate from 8AM – 12PM until further notice.

Our Digital Banking Platforms (Mobile Banking and Online Banking) are always available, making banking from home easy and convenient.

Instant Debit Card Issuance Branches     

Please see the list below for 24 branches you can visit to update your expired Debit cards instantly or to update your Civil ID cards

SN Governante Branch Name  Timing
1Sharqiya RegionSur8:00 AM - 12:00 PM
2Sharqiya RegionIbra 8:00 AM - 12:00 PM
3 Dakhliyah & Dhahira Nizwa8:00 AM - 12:00 PM
4 Dakhliyah & Dhahira Buraimi8:00 AM - 12:00 PM
5 Dakhliyah & Dhahira Ibri8:00 AM - 12:00 PM
6 Dakhliyah & Dhahira Bahla8:00 AM - 12:00 PM
7 Dakhliyah & Dhahira Sumail8:00 AM - 12:00 PM
8 Dakhliyah & Dhahira Firq8:00 AM - 12:00 PM
9 Muscat south  Mina Al Fahal8:00 AM - 12:00 PM
10 Muscat south  Shatti Al Qurum8:00 AM - 12:00 PM
​11​Muscat south ​Amirat​8:00 AM - 12:00 PM
​12​Muscat south ​Qurriyat​8:00 AM - 12:00 PM
13 Al Batinah Hamber Sohar8:00 AM - 12:00 PM
14 Al Batinah Sohar Industrial Area8:00 AM - 12:00 PM
15 Al Batinah Sohar8:00 AM - 12:00 PM
16 Al Batinah Rustaq8:00 AM - 12:00 PM
17 Al Batinah Barka8:00 AM - 12:00 PM
18 Al Batinah Musna8:00 AM - 12:00 PM
19 Muscat North Al Khuwair8:00 AM - 12:00 PM
20 Muscat North Mabella8:00 AM - 12:00 PM
21 Muscat North Azaiba8:00 AM - 12:00 PM
23 Muscat North Seeb Town8:00 AM - 12:00 PM
24 Muscat North Al Khoud8:00 AM - 12:00 PM
25 Muscat North M.O.H8:00 AM - 12:00 PM
26 Muscat North New Head Office – Azaiba8:00 AM - 12:00 PM
27 Dhofar  Salalah8:00 AM - 12:00 PM



List of open branches
# Governate Branch Name Timing
1SharqiyaSur8:00 AM - 12:00 PM
2SharqiyaMasirah8:00 AM - 12:00 PM
3SharqiyaJalaan8:00 AM - 12:00 PM
4SharqiyaBBB Ali8:00 AM - 12:00 PM
5SharqiyaIbra 8:00 AM - 12:00 PM
6SharqiyaAl Kamil8:00 AM - 12:00 PM
7SharqiyaAl Mudaibi8:00 AM - 12:00 PM
8SharqiyaSinaw8:00 AM - 12:00 PM
9SharqiyaDuqum8:00 AM - 12:00 PM
10Dakhliyah & Dhahira Nizwa8:00 AM - 12:00 PM
11Dakhliyah & Dhahira Buraimi8:00 AM - 12:00 PM
12Dakhliyah & Dhahira Ibri8:00 AM - 12:00 PM
13Dakhliyah & Dhahira Bahla8:00 AM - 12:00 PM
14Dakhliyah & Dhahira Sumail8:00 AM - 12:00 PM
15Dakhliyah & Dhahira Fanja8:00 AM - 12:00 PM
16Dakhliyah & Dhahira Al Hamra8:00 AM - 12:00 PM
17Dakhliyah & Dhahira Dhank 8:00 AM - 12:00 PM
18Dakhliyah & Dhahira Firq8:00 AM - 12:00 PM
19Dakhliyah & Dhahira Al Araqi Ibri8:00 AM - 12:00 PM
20Muscat South  Mina Al Fahal8:00 AM - 12:00 PM
21Muscat SouthQurrum8:00 AM - 12:00 PM
22Muscat SouthAmirat8:00 AM - 12:00 PM
23Muscat SouthQurriyat8:00 AM - 12:00 PM
24Al Batinah Hamber Sohar8:00 AM - 12:00 PM
25Al Batinah Shinas8:00 AM - 12:00 PM
26Al Batinah Saham 8:00 AM - 12:00 PM
27Al Batinah Sohar Industrial Area8:00 AM - 12:00 PM
28Al Batinah Sohar8:00 AM - 12:00 PM
29Al Batinah Liwa 8:00 AM - 12:00 PM
30Al Batinah Afi8:00 AM - 12:00 PM
31Al Batinah Rustaq8:00 AM - 12:00 PM
32Al Batinah Barka8:00 AM - 12:00 PM
33Al Batinah Khaboura8:00 AM - 12:00 PM
34Al Batinah Bidaya8:00 AM - 12:00 PM
35Al Batinah Al Suwiq8:00 AM - 12:00 PM
36Muscat North Al Khuwair8:00 AM - 12:00 PM
37Muscat North Ministry of Education8:00 AM - 12:00 PM
38Muscat North Ma'abella8:00 AM - 12:00 PM
Muscat North Azaiba8:00 AM - 12:00 PM
40Muscat North Seeb Town8:00 AM - 12:00 PM
41Muscat North Al Khod8:00 AM - 12:00 PM
42Muscat North Ministry of Health8:00 AM - 12:00 PM
43Muscat North Bousher 8:00 AM - 12:00 PM
44Muscat North SQU8:00 AM - 12:00 PM
45Muscat North Khasab8:00 AM - 12:00 PM
46Muscat North Bhuka 8:00 AM - 12:00 PM
47Muscat North Wattayah8:00 AM - 12:00 PM
​48​Muscat North ​Shatti Qurum​8:00 AM - 12:00 PM
​49​Muscat North Muwaleh ​8:00 AM - 12:00 PM
50Muscat NorthMain Branch8:00 AM - 12:00 PM
51Dhofar  Salalah8:00 AM - 12:00 PM
52Dhofar  Sultan Qaboos Hospital Salalah8:00 AM - 12:00 PM
53Dhofar  Mirbat8:00 AM - 12:00 PM
54Dhofar  Saada8:00 AM - 12:00 PM
55Dhofar  New Salalah8:00 AM - 12:00 PM



List of closed branches


#GovernateBranch Name Timing
1Muscat south  HamriyaClosed
2Muscat south  CornicheClosed
3Muscat south  CBDClosed
4Muscat North Muscat AirportClosed
5​Al Batinah​MusnaClosed


Badeel Prepaid Card

Badeel Prepaid Card

Enjoy effortless control of your family finances with the Badeel Prepaid Card. It reassures you and your family that there is an alternative to cash, where and when you need it most. It’s the perfect way to keep control of the family budget and monitor transactions.

Easy Payment Plan

Easy Payment Plan

National Bank of Oman credit cards can now be used at all your favorite stores to get 6 or 12 months equal installments with 0% interest on the payments. You can also convert any Credit Card purchase at your convenience to an Easy Payment Plan using our Mobile Banking App.