Comparison

ONEIC Pay vs DHOFAR ISLAMIC

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ONEIC Pay

Manage all your essential payments in one secure app. Instantly pay utility bills, telecom recharges, traffic fines, and more using your e-wallet or bank cards. Track payment history and enjoy rewards for your transactions.

Highlights
  • E-Wallet services
  • Pay utility bills
  • Telecom recharges
  • Traffic fine payments
  • Money transfers
  • QR code payments
  • Earn and redeem rewards
Features
Read full description

ONEIC Pay offers a secure and simple way to manage all your essential payments in one place. Instantly pay your electricity, water, and telecom bills, recharge prepaid accounts, and conveniently settle traffic fines, Judiciary fees, and Social Protection Fund contributions — all via E-Wallet or bank cards, anytime and anywhere. View your electricity, water latest bills (PDF), track payment history, and enjoy complete control over your transactions with ease Digital Wallet Services: • Top up the digital wallet • Pay various bills and fees • Send, receive, and request and transfers money through local E-Wallets • Send money internationally anytime, anywhere • Shop and pay by scanning QR codes Clients Listed for Bill Payments and Balance Refill: • Nama Supply • Nama Water Services • Nama Dhofar Services • Nakhal Water Services • Marafiq • Omantel • Ooredoo • Vodafone • Awasr • Ranna • Red Bull Mobile • Friendi Government Services: • Royal Oman Police (ROP) - Traffic Fines, Vehicle Registration Renewal • Supreme Judicial Council (CAAJ) • Social Protection Fund (SPF) Insurance Services: • Vehicle Insurance • Social Protection Fund Educational Institutions for Fee Payment: • Arab Open University • A’Sharqiyah University • Azzan Bin Qais International School • German University of Technology, Oman • Indian School Muscat • Middle East College • Muscat University • Seeb International School • Sohar International School • Al Imtiaz Private School Entertainment: • Purchase various entertainment packages Pay and Earn Rewards • Now, pay your bills and enjoy rewards! • Redeem your rewards once you reach the eligible amount for redemption

About

DHOFAR ISLAMIC

Manage your finances and access banking services conveniently and securely. Perform transactions, locate branches, and pay bills on the go. Offers a user-friendly experience in English and Arabic.

Highlights
  • Self-registration
  • Account services
  • Funds transfers
  • Mobile wallet
  • Cardless cash withdrawal
  • Utility payments
  • Branch & ATM locator
Features
Read full description

Dhofar Islamic Mobile Banking App allows customers and non-customer to enjoy the features available offers convenience and Security to its users by either availing the mobile banking Services or/and Wallet services. The App offers axiomatic user experience along with many new features in English & Arabic making it the best of its kind. The App allow customers for self-registration by using the ATM card Details to access their accounts from cell phones or tablet devices free of charge, allowing them to check their account balances, locate ATM’s, CDM’s, and branches, pay bills and transfer funds 24 hours a day, 7 days a week. Features: Self-Registration: Quick and easy way of registration. Login by Password only: simplified login concept. Account Services: Comprehensive information on customer accounts. Funds Transfers: Ability to transfer amounts to own accounts, third parties within Dhofar Islamic or to any Bank in Oman. Instant transfer: Enjoy transferring funds immediately to any bank in Oman in any day at any time. Mobile Wallet: Transfer money instantly by using a mobile Number. Card less cash: Withdraw cash from the nearest Dhofar Islamic ATM using your App alone. Mobile Top-up: Users can reload their prepaid mobile number on the go to continually stay connected with (Oman Mobile, Ooredoo, FRiENDi, Renna). Utility Payments: Pay your Mobile, Landline, Internet, water and Electricity bills with local utility providers Branch, ATM, CDM Locator: find and get directions to the nearest service point of Dhofar Islamic Islamic services in very interactive and easy way. Service Request: Immediate Cheque book request without visiting the branch. Athan Timings: Stay updated with the Athan timings of major cities in Oman. Qiblah Direction: find Qiblah direction wherever you go. Others Features: Product Information, Exchange Rates, Deposit Rates, Mudarabah Weightages, Offers, Contact Us مرحباً بكم في تجربة جديدة! يوفر تطبيق ظفار الإسلامي للخدمات المصرفية عبر الهاتف النقال الراحة والأمن لمستخدميه من الزبائن المسجلين و غير المسجلين . كما يوفر التطبيق للمستخدم تجربة لا تُضاهى إضافةً إلى العديد من الميزات الجديدة باللغتين الإنجليزية والعربية إما من خلال الإستفادة من الخدمات المصرفية عبر الهاتف النقال أو من خدمات المحفظة الإلكترونيه مما يجعله الأفضل من نوعه. يسمح التطبيق للزبائن بالتسجيل الذاتي بإستخدام بيانات بطاقة الصراف الآلي للوصول إلى حساباتهم من الهواتف النقالة أو أجهزة الكمبيوتر الذكية مجانا، وامكانية التحقق من أرصدة حساباتهم، وتحديد مواقع أجهزة الصراف الآلي، وأجهزة الإيداع النقدي، ومواقع الفروع، ودفع الفواتير، وتحويل الأموال على مدار الساعة، وطوال أيام الأسبوع. المميزات: التسجيل الذاتي: طريقة سريعة وسهلة للتسجيل. تسجيل الدخول عن طريق كلمة المرور فقط: طريقة مبسطة لتسجيل الدخول. خدمات الحساب: معلومات شاملة عن حسابات الزبائن. تحويل الأموال: القدرة على تحويل المبالغ بين حسابات الزبون أو أي طرف ثالث ضمن زبائن ظفار الإسلامي أو إلى أي بنك آخر داخل سلطنة عُمان. التحويل الفوري: استمتع بالتحويل الفوري للأموال إلى أي بنك داخل سلطنة عُمان في أي يوم وأي وقت. المحفظة الإلكترونية: تحويل الأموال فورياً بإستخدام رقم الهاتف النقال. الحصول على النقد بدون الحاجة لاستعمال بطاقة صراف آلي: تمتع بميزة سحب النقود من أقرب صراف الآلي تابع لظفار الإسلامي فقط بإستخدام التطبيق. تعبئة رصيد الهاتف النقال: يمكن للمستخدمين إعادة تعبئة رصيد الهاتف النقال للبقاء على تواصل مستمر لكل من شبكات عُمان موبايل، وأوريدو، وفرندي، ورنه. سداد الفواتير: امكانية دفع فواتير الهاتف النقال، والهاتف الثابت، والإنترنت، والمياه والكهرباء محلياً. تحديد أقرب فرع، وجهاز صراف آلي، وجهاز إيداع نقدي: العثور على أقرب فرع أو جهاز صراف آلي مع امكانية الحصول على الاتجاهات إلى أقرب مركز خدمة لظفار الإسلامي للخدمات الإسلامية بطريقة تفاعلية وسهلة للغاية. طلب الخدمة: طلب دفتر شيكات فوري دون زيارة الفرع. أوقات الاذان: عرض مواقيت الاذان للمدن الرئيسية بالسلطنة. اتجاه القبلة: إيجاد اتجاه القبلة أينما ذهبت. ميزات أخرى: عرض معلومات حول المنتجات، وأسعار الصرف، ومعدلات الأرباح على الودائع، ونسب أرباح المضاربة، والعروض، أو التواصل معنا.

Screenshots

ONEIC Pay4 screens
DHOFAR ISLAMIC3 screens

Verdict

The call

The clearest difference is rating: ONEIC Pay at 4.0 against DHOFAR ISLAMIC's 3.2. ONEIC Pay also leads on ratings volume (120 vs 5) and review sentiment (59% vs 50%). DHOFAR ISLAMIC's advantage is update cadence (monthly vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ONEIC Pay holds the better App Store score, 4.0 against 3.2. That said, the two scores are not equally well evidenced: ONEIC Pay has 120 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 59% of ONEIC Pay's written reviews are positive against 50% of DHOFAR ISLAMIC's.

UpkeepUpdate frequency

ONEIC Pay ships an update every 3 months, DHOFAR ISLAMIC monthly. The most recent releases landed on July 29, 2026 and September 14, 2026 respectively.

Scorecard5 real differences · 5 level
ONEIC Pay versus DHOFAR ISLAMIC: the parameters behind the verdict, then further details
ParameterONEIC PayDHOFAR ISLAMIC
PriceFreeFree
Rating4.0 (120 ratings) — better3.2 (5 ratings)
Positive reviews59.0% of reviews — better50.0% of reviews
Number of ratings120 — better5
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS12.4 — better16.6
Further details — not scored
Size126 MB212 MB
Age rating4+4+
DeveloperOman National Engineering and Investment(SAOG)BANK DHOFAR SAOG

Customer experience

ONEIC Pay

All ratings120 ratings
Positive71.7%
Neutral5.8%
Negative22.5%
Written reviews39 reviews
Positive59.0%
Neutral10.3%
Negative30.8%

DHOFAR ISLAMIC

All ratings5 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

ONEIC Pay

No in-app purchases

None

DHOFAR ISLAMIC

No in-app purchases

Questions

Is ONEIC Pay free?
ONEIC Pay is free to download, with no in-app purchases.
Is DHOFAR ISLAMIC free?
DHOFAR ISLAMIC is free to download, with no in-app purchases.
Which has better reviews, ONEIC Pay or DHOFAR ISLAMIC?
ONEIC Pay is rated higher. ONEIC Pay averages 4.0 out of 5 from 120 ratings, while DHOFAR ISLAMIC averages 3.2 from 5 ratings.
Do ONEIC Pay or DHOFAR ISLAMIC have ads?
Neither ONEIC Pay nor DHOFAR ISLAMIC shows ads.
Which is updated more often, ONEIC Pay or DHOFAR ISLAMIC?
ONEIC Pay ships an update every 3 months, and DHOFAR ISLAMIC monthly. Most recently, ONEIC Pay was updated on July 29, 2026 and DHOFAR ISLAMIC on September 14, 2026.

Other comparisons