NBO vs ONEIC Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NBO
Manage your finances securely and conveniently on the go. Access account information, transfer funds, pay bills, and request services. Find nearby ATMs and branches, and utilize helpful financial calculators.
- Account inquiry and balance check
- Money transfers (local & international)
- Bill payments and scheduling
- Service requests (credit card, cheque book)
- ATM/branch locator
- Financial calculators
- Bilingual support (English/Arabic)
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National Bank of Oman’s new mobile application allows you an easy and secure way to stay in touch with us, whether you need information on products, find the closest NBO ATM/branch, or perform financial transaction using your account. NBO keeps you on top of your finances anytime and anywhere! S Features: - Bilingual (English and Arabic) - Account Inquiry o One touch balance – View balance of all your accounts o Online credit card inquiry o Online inquiry for your utility bills - Money Transfers o Between own accounts o To any other account in NBO o EZ Pay (Fund transfer using mobile number) o To any other banking accounts in Oman o International Telex Transfers o Repeat & Schedule Fund Transfers - Bill Payments o Online Credit Card Payment o Online Payment to OIFC (Electricity & Water) o Online Payment to Omantel (GSM/Landline/Internet/Etc) o Online Payment to Ooredoo (GSM/Landline/Internet/Etc) o Utility payment to ONEIC (Electricity & Water) o Repeat & Schedule Payments - Service Request o Activation of Credit Card o Block Credit Card o Request for Cheque Book - Other Services o ATM/branch locator with interactive maps o Contact NBO for support or feedback o Foreign Exchange Calculator o Loan Calculator o Apply for products & services o Offers & Promotions o Deposit Rates o Prayer Timings
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
Screenshots
Verdict
The clearest difference is rating: ONEIC Pay at 4.0 against NBO's 3.6. ONEIC Pay also leads on review sentiment (59% vs 45%) and iOS requirement (12.4 vs 15.6). NBO's advantage is update cadence (monthly vs every 3 months). On price, ratings volume, 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 3.6. Both are backed by a comparable volume of ratings — 87 and 120 respectively. Written reviews point the same way: 45% of NBO's written reviews are positive against 59% of ONEIC Pay's.
NBO ships an update monthly, ONEIC Pay every 3 months. The most recent releases landed on September 20, 2026 and July 29, 2026 respectively.
| Parameter | NBO | ONEIC Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (87 ratings) | 4.0 (120 ratings) — better |
| Positive reviews | 45.0% of reviews | 59.0% of reviews — better |
| Number of ratings | 87 | 120 — better |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 12.4 — better |
| Further details — not scored | ||
| Size | 238 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | National Bank of Oman SAOG | Oman National Engineering and Investment(SAOG) |
Customer experience
NBO
ONEIC Pay
In-app purchases
NBO
No in-app purchases
ONEIC Pay
No in-app purchases
