ONEIC Pay vs Mala’ati
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- E-Wallet services
- Pay utility bills
- Telecom recharges
- Traffic fine payments
- Money transfers
- QR code payments
- Earn and redeem rewards
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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
Mala’ati
Access your credit report conveniently from your iPhone or iPod. This self-inquiry platform empowers individuals to check their financial standing anytime, anywhere. It provides a straightforward way to review your credit information.
- Access credit reports
- Self-inquiry platform
- Financial information access
- Mobile convenience
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Mala'ati is self-inquiry platform for individuals. The platform will help you access to your credit report anytime and anywhere.
Screenshots
Verdict
The clearest difference is rating: ONEIC Pay at 4.0 against Mala’ati's 2.7. ONEIC Pay also leads on ratings volume (120 vs 3) and review sentiment (59% vs 50%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ONEIC Pay holds the better App Store score, 4.0 against 2.7. That said, the two scores are not equally well evidenced: ONEIC Pay has 120 ratings behind it against 3, 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 Mala’ati's.
ONEIC Pay ships an update every 3 months, Mala’ati every 4 months. The most recent releases landed on October 16, 2026 and October 4, 2026 respectively.
| Parameter | ONEIC Pay | Mala’ati |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (120 ratings) — better | 2.7 (3 ratings) |
| Positive reviews | 59.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 120 — better | 3 |
| Update frequency | Every 3 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.4 — better | 15.1 |
| Further details — not scored | ||
| Size | 126 MB | 41 MB |
| Age rating | 4+ | 17+ |
| Developer | Oman National Engineering and Investment(SAOG) | Oman Credit & Financial Information Centre (Mala'a) |
Customer experience
ONEIC Pay
Mala’ati
In-app purchases
ONEIC Pay
No in-app purchases
Mala’ati
No in-app purchases
