FAQ

Banking at your finger Tips

​​​What is NBO mobile banking? Why should I apply for it?

  • NBO mobile banking is a mobile application that allows you to access your National Bank of Oman account(s) using a mobile phone; you can view your account-related information, transfer funds etc. You can use retail internet banking username and password to login or you can register with a new ID.

Who can use NBO mobile banking?

  • Any NBO customer can use NBO’s mobile banking and other bank customers can also use it to receive funds using EZ Pay. However, to avail the mobile banking facilities, please ensure you have a GPRS supported handset with an active GPRS connection.

What facilities are available on NBO mobile banking?

  • NBO mobile banking users will be able to use the following banking services: Mini statement, balance enquiry, issue cheque book and stop cheques, EZ Pay transfers, funds transfer to other NBO customers or other banks’ customers or make foreign remittances, pay utility bills and Credit Card bills, Activate or Block Cards, schedule payments… etc. Additional functionalities like ATM/Branch locater, offers on various products, social media posting, personalization features and so on are also available.

Which versions of handsets are supported by NBO mobile banking?

  • iPhone- GA-4.1.20, GA-5.0.3, 4.3, 5 onwards, 6 onwards, 7 onwards
  • Android- 2.3 onwards

How do I download the NBO mobile banking application?

  • NBO’s mobile banking application can be downloaded from ->Google play store for Android devices, -> iTunes for Apple devices

What if I cannot connect to the URL?

  • Please check your GPRS connection or contact your telecom service provider for the same. In case you are still facing difficulties connecting to the URL then please contact the NBO call center on the toll free number 80077077.

How long does it take to download the NBO mobile banking application?

  • The actual download time depends on the speed of the GPRS connectivity offered by your mobile operator.

While downloading the application, I get the following message: “Untrusted Application”. What should I do?

  • Please select ‘Yes’ for this message. This message is specific to the mobile device and will not affect the application or the mobile device.

Are there any charges for downloading/activating the NBO mobile banking application?

  • You can download and use this application on Android/iPhone as and when needed without any charges by the bank. Your mobile operator may levy charges for GPRS/SMS used. Please contact your telecom operator for details.

Can anyone else use my NBO mobile banking application?

  • No, the NBO mobile banking application is user specific. The IMIE number and device is tagged at the NBO server.

How can I login to the NBO mobile banking application?

  • You can login to the NBO mobile banking application by using your internet banking credentials. If you are not registered for internet banking you can sign up directly on the NBO mobile banking application and the same username and password can be used to login to internet banking .

What if I delete/uninstall the NBO mobile banking application from my mobile phone by mistake?

  • You will need to re-download the application on your handset. Please follow the download process based on the operating system of your phone. Please refer to the FAQ response for, ‘how do I download NBO mobile banking application?’

Does the NBO mobile banking application look the same on all phones?

  • The appearance of the NBO mobile banking application may differ on different phones; however its functions and operations will remain the same irrespective of the mobile handset being used.

How do I register for the application?

  • Tap on Register, a NEW USER REGISTRATION enrolment form opens up. Enter your Oman national ID/ Residence card number and an Authorization Code is sent to your registered mobile number. Create your username and password. Once the username and password has been created, use these credentials to login to NBO mobile banking.

What if my National ID/Residence card number or my mobile number is not updated in National Bank’s records?

  • Please call our toll free number on 80077077 or visit your nearest NBO branch and update your details.

What if I am an internet banking user already? Can I just log in using these details?

  • Yes, please download the latest NBO Mobile Banking app to your smartphone from the respective stores and use your existing internet banking credentials to login.

What do I do after I click on the login button on the home screen?

  • You have to enter user name and password to login in the system.

I don’t have an active internet banking login ID. Can I still use NBO mobile banking?

  • Yes, you need to complete the registration process and you can start using the mobile banking application.

Can I access mobile banking if I have not registered for internet banking or mobile banking?

  • No, you need to register first to be able to use mobile banking.

Can I use the service anytime and anywhere?

  • National Bank of Oman’s Mobile Banking application has been designed to give you secure access to your banking and financial information instantly from anywhere in the world, provided your phone is compatible and has access to the internet.

Where would I be able to see the complete Terms and Conditions for the NBO mobile banking application?

  • If you’re a first time user, you will be prompted to read and accept the Terms & Conditions before using the banking application. You can also refer to these under

What if I disagree with the terms and conditions for the application and tap on the ‘Disagree’ button?

  • You will not be able to use the application.

What if I get disconnected or my mobile phone switches off while performing a transaction?

  • You can simply reconnect to the NBO mobile application and check your transaction history to verify if the transaction has been executed, you could also check your account statement.

What if I get an SMS or a call while using the NBO mobile banking application?

  • On most handsets, you can answer the call or read the SMS while the NBO mobile banking application continues to run in the background. After you have finished your call, you can resume banking on NBO mobile. For certain handsets however, you may need to re-open the application and login again. In case the call is extended for a longer period of time then you will be logged out of NBO mobile automatically or your session for the application will expire.

Can I access NBO mobile banking application when I am on roaming?

  • Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access NBO mobile anywhere. Please keep in mind that you might be charged roaming rates for using GPRS as applicable by your service provider. Moreover, authorization code is required for performing fund transfers or bill payments which is sent using SMS. Thus, you should also have the facility to receive SMS while roaming.  

What if I change my mobile handset or my mobile number?

  • You can still access your account using NBO mobile on your phone. However, if you have new handset you need to download and install the NBO mobile banking application and the activation code will be sent to the registered mobile number. In case you change your mobile number, please call the NBO call center on 80077077 or visit your nearest NBO branch to update your contact details.

In case I have lost my mobile handset what should I do in this case? Will I be able to use NBO mobile banking application on other mobile phone?  

  • If you loose your mobile phone then please call the NBO call center immediately n 80077077 and report it or visit your nearest NBO branch to remove tagging. You will be able to use the NBO mobile banking application on other mobile phones, just download the NBO mobile banking application and install it.

I have formatted my phone, what should I do to activate the NBO mobile application again on the same phone?

  • You just need to download the application and install it again.

Is the NBO mobile banking secure? Are my financial transactions secured?

  • The NBO mobile banking application is very secure as no information is stored on your mobile phone or SIM card. Therefore, even if your phone is lost or stolen, your account is absolutely safe and cannot be compromised. NBO Mobile offers you the same unparalleled level of security as NBO internet banking. Only you can log into your account with your User ID and your confidential Password. All account information is 128-bit SSL protected. All card and account numbers or other sensitive information is masked when displayed on NBO mobile banking.

Do I need an internet connection to access the NBO mobile banking application?

  • Yes, you must have internet connection to use the NBO mobile banking application.

What are the main benefits of mobile banking?

  • Mobile banking offers you convenient, fast and easy access to your banking and financial services. It means you no longer need to visit a branch for your day to day banking and can simply complete this at a time and place that suits you. It gives you immediate access to your finances offering a safe and convenient personalized banking. It will work with any telecom provider both locally and internationally.

What can I do through National Bank of Oman’s mobile banking?

You can:

  • Transfer funds: Within your NBO accounts, other accounts, add beneficiaries, International transfers etc.
  • Check all your bank accounts & view all transactions in detail
  • Pay your credit card bills
  • Pay your utility bills: Electricity, Water, Omantel, Ooredo​​​…etc.
  • Create new beneficiaries to transfer to and perform both local and international transfers
  • Stay up-to-date on NBO’s latest offers and products and apply for them
  • Find an ATM or Branch
  • View prayer timings and set reminders for them
  • Schedule payments or transfers
  • View your balance
  • EZ Pay transfers and receive funds
  • Order your cheque book, stop a cheque, track your cheque book…etc.

Who is eligible for this service?

  • All National bank of Oman account holders with a valid mobile number are eligible for mobile banking.

What is EZ Pay?

  • EZ Pay is Person To Person funds transfer within Oman. You have to select a contact from the list of contacts on your mobile phone and transfer the funds to friends and relatives. Subsequently, two tokens will be generated, one will be sent to you and other to the receiver of the fund via SMS. The receiver or the beneficiary has to enter both tokens to receive funds. Therefore, you will have to share your token with beneficiary in order for the transfer to be successful.

How can I register for EZ Pay option in my account?

  • You must download the NBO mobile application and enter the details as guided by the system and tap on Receive Funds under EZ Pay​. Insert the required information in this tab to receive funds.

What is PFM?

  • PFM is Personal finance Module – where you will be able to monitor your expenses and tag your expenses.

How do I change the language on NBO Mobile?

  • You can change the NBO mobile language by using the settings option. Tap on icon_menu_list.png provided on the top left corner and tap on icon_settings.png; from the SETTINGS screen select Language and choose the preferred language.

How can I apply for any product?

  • You can apply for a product using the option FIND YOUR PRODUCT. Tap on icon_menu_list.png provided on the top left corner and tap on the option FIND YOUR PRODUCT.

How can I avail any offer from NBO?

  • You can avail any offer using the option OFFERS. Tap on icon_menu_list.png provided on the top left corner and tap on the option OFFERS.

How can I locate an NBO branch/ATM Centre?

  • You can locate an NBO branch/ ATM centre from the option ATM/BRANCH LOCATOR. Tap on on the top right corner and tap on  the option ATM/BRANCH LOCATOR.

How can I call/chat to customer care?

  • Tap on Call/Chat  button to call the customer care service or you can navigate to LIVE CHAT under Contact Us to chat to our representatives.

How can I find exchange rates?

  • You can find the exchange rate under CURRENCY CONVERTER. Tap on  provided on the top right corner and tap on the option CURRENCY CONVERTER.

How do I change my password?

  • You can change your password using settings option. Tap on  provided on the top left corner and tap on  ; from the SETTINGS screen select Change Password.

In case I have forgotten my password how should I retrieve it?

  • Tap on Forgot Password on the login page and follow the process and you will receive a code on your registered mobile number, use the code to access your account.

How can I check my account balance?

  • To check your account balance, tap on VIEW BALANCE on your home screen or tap on  provided on the top left corner and tap on

How can I set a prayer alert?

  • You can set alerts for prayer timings from the Settings

Where can I see deposit rates?

  • You can view deposit rates under DEPOSIT RATES, Tap on provided on the top right corner and tap on the option DEPOSIT RATES.

How can I transfer funds to a beneficiary account from my account?

  • Tap on  provided on the top left corner and tap on FUND TRANSFERS, using this option you can transfer funds between your accounts or to other accounts.

Where can I see my transactions?

  • Tap on  provided on the top left corner and tap on FUND TRANSFERS, use the option Transfer History to view all the transactions you have made.

How do I add beneficiaries?

  • Tap on  provided on the top left corner and tap on FUND TRANSFERS, tap on Manage Beneficiaries. Using this option you can add as well as edit beneficiaries.

How do I know that my transactions are processed successfully?

  • For every successful transaction you will get a pop up message confirming that your transaction was successful. Moreover, you can view all your transactions under Transaction History.

If I’ve added beneficiaries using my previous phone, will I be able to see these if I use a new phone as well?

  • You can view all the beneficiaries you’ve added regardless.

How can I pay my electricity, water, omantel or nawras bills?

  • To pay your bills tap on  provided on the top left corner and tap on BILL PAYMENTS, using this option you can pay your bills. Moreover, you can manage payees and view all the payments made by you under ‘payment history.

Can I recharge my mobile, internet, etc.?

  • To recharge your mobile, internet, etc. tap on   provided on the top left corner and tap on BILL PAYMENTS, tap on Recharge Complete the required fields and enter the authorization code sent to your registered mobile number.

How can I request for a cheque book?

  • To request for a cheque book, tap on  provided on the top left corner and tap on SERVICE REQUESTS, tap on the Account Related Services option to expand and tap on Request Cheque Book.

How can I apply for a new account?

  • To request for a new account, tap on provided on the top left corner and tap on SERVICE REQUESTS, tap on the Account Related Services option to expand and tap on Apply New Account.

​How can I stop my cheque book?

  • To stop your cheque book, tap on  provided on the top left corner and tap on SERVICE REQUESTS, tap on Account Related Services option to expand and tap on Stop Cheque Book.

How can I apply for a new credit card?

  • To apply for a new credit card, tap on   provided on the top left corner and tap on SERVICE REQUESTS, tap on the Credit Card Related Services option to expand and tap on Apply New Card.

How can I apply for a supplementary card?

  • To apply for a supplementary credit card, tap on  provided on the top left corner and tap on SERVICE REQUESTS, tap on the Credit Card Related Services option to expand and tap on Apply Supplementary Card.

How can I request to increase my card limit?

  • To increase your credit card limit, tap on  provided on the top left corner and tap on SERVICE REQUESTS, tap on the Credit Card Related Services option to expand and tap on Increase Card Limit.

How can I request to block my credit card?

  • To have your credit card blocked, tap on  provided on the top left corner and tap on SERVICE REQUESTS, tap on the BLOCK CARD icon provided over there.

How can I activate my credit card?

  • To activate your credit card, tap on   provided on the top left corner and tap on SERVICE REQUESTS, tap on the ACTIVATE CARD

How can I locate an NBO ATM/Branch near to me?

  • You can tap on ATM & Branch Locator provided on the log in screen or tap on  provided on the top right corner and tap on the option ATM/BRANCH LOCATOR.

How can I apply for Loans and find out if I am eligible?

  • You can use tap on FIND A PRODUCT provided on the Log in screen or tap on  provided on the top left corner and tap on FIND YOUR PRODUCT and tap on the option Loans. Under the FEATURES tab you can see various types of loans. You can also tap on the ELIGIBILITY & DOCUMENTS tab to view your loan eligibility. You can apply for this loan by tapping on the I AM INTERESTED option and complete the required fields.

How can I apply for Accounts & Deposits and find out if I am eligible?

  • You can tap on FIND A PRODUCT provided on the log in screen or tap on  provided on the top left corner and tap on FIND YOUR PRODUCT and tap on the option Accounts & Deposits. Under the FEATURES tab you can see the various types of accounts offered by NBO. You can also tap on the ELIGIBILITY & DOCUMENTS tab to view account opening eligibility. You can apply for the account by tapping on the I AM INTERESTED option and complete the required fields.

How can I find out my credit card/pre-paid card eligibility and apply for it?

  • You can tap on FIND A PRODUCT provided on the log in screen or tap on provided on the top left corner and tap on  the FIND YOUR PRODUCT and tap on the option Cards. Under the FEATURES tab you can see various types of credit cards/pre-paid cards. You can also tap on the ELIGIBILITY & DOCUMENTS tab to view credit card/pre-paid card eligibility. You can apply for this credit card/pre-paid card by tapping on the I AM INTERESTED option and complete the required fields.

How can I apply for Mazaya Banking and find out if I am eligible?

  • You can tap on FIND A PRODUCT provided on the log in screen or tap on  provided on the top left corner and tap on FIND YOUR PRODUCT and tap on the option Mazaya Banking. Under the FEATURES tab you can see various features of Mazaya banking. You can also tap on the ELIGIBILITY & DOCUMENTS tab to view Mazaya banking eligibility. You can apply for Mazaya banking by tapping on the I AM INTERESTED option and complete the required fields.

How can I apply for Insurance and find out if I am eligible?

  • You can tap on FIND A PRODUCT provided on the log in screen or tap on  provided on the top left corner and tap on FIND YOUR PRODUCT and tap on the option Insurance. Under the FEATURES tab you can see various types of insurance offered by NBO. You can also tap on the ELIGIBILITY & DOCUMENTS tab to view insurance eligibility. You can apply for insurance by tapping on the I AM INTERESTED option and fill out the required information.

What if I don’t receive the authorization code on my registered mobile number?

  • If you don’t receive an authorization code within a reasonable time frame then tap on Resend Authorization Code or try again after some time. If you face any difficulties, please call the NBO call center on the following toll free number 80077077.
Mobile Banking App Schedule of Charges
FeatureFee charged in OMR per segment
Within NBO0
Credit Card Payment0
Electricity, Water, Omantel & Ooredoo payments0
International Transfer2.5
ACH Transfer1
RTGS Transfer*2
Cheque Book Ordering**1

* Sadara customers pay 1 OMR for RTGS Transfers
** Sadara customers order cheque books for free

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