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National Payment Card - Maal

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What is it?

It is a national payment card (local bank card) in the Sultanate of Oman, supervised by the Central Bank of Oman and issued by banks and payment service providers licensed to operate in the Sultanate of Oman.

It provides its holders with secure and seamless transactions through an integrated national system for issuing, processing and settling card payment transactions.

The card was developed as part of the strategic objectives and efforts to enhance the national payments infrastructure and develop digital payment systems to support the innovation and digital transformation process in the Sultanate of Oman.

The purpose of the card

Promote the
digital economy

support the digital
environment and enable
local innovation

Reduce
operating costs

for banks, stores
and consumers

Provide technical
empowerment

by building an independent
and secure national
payment network

Promote
financial inclusion

and provide payment methods for
everyone within the Sultanate, including
those previously excluded

The target customers

  • Citizens

  • Residents

  • Visitors

  • Businesses

  • Institutions

Types of cards

  • Debit

    cards

  • Prepaid

    cards

  • Credit

    cards

Who is the
issuing agency
and where are
the cards
accepted

Issuing
agencies and
acceptance
locations:

Banks licensed for
retail banking.

Certain payment
service providers
(PSPs).

Can be used in the
Sultanate of Oman at:

  • All point-of-sale (POS) terminals.
  • ATMs of all local banks.
  • Government services that support electronic payments.
  • Omani online stores and local applications.
  • The card will be accepted across GCC States via GCCNet.

Card Features

Card-enabled financial transactions and services:

  • Contact and contactless payments via points of sale (POS).

  • ATM operations.

  • Online payments for e-commerce transactions.

  • Card encoding to enable payments via digital wallets and smart payment methods.

Please note that the issuance of cards, their associated financial services and acceptance locations will be announced in several phases. The Central Bank of Oman will announce these phases along with the rest of the banks across the sector.

How can you protect your data?

  • Do not share your PIN
    or card information
    with anyone.

  • Ensure the notification
    feature is enabled in
    the bank's app.

  • Ensure using your card only
    on trusted devices and
    secure and reliable websites.

  • Report a lost or stolen
    card immediately.

  • Check your account
    statement regularly.

Frequently Asked Questions (FAQs)

Interested to buy commemorative coins, banknotes, a Banking Law book, and/or many other things that are on sale by CBO? Please follow the ‘Available for Purchase’ link to know what is up for sale.

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