Comparison

NBO vs bm merchant

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

Head to head
About

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.

Highlights
  • 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)
Features
Read full description

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

About

bm merchant

This digital wallet allows merchants to easily receive and request payments from consumers using mobile numbers, aliases, or QR codes. It simplifies transactions by enabling quick payment generation and initiation, with options for consumers to accept or reject requests.

Highlights
  • Receive payments via QR code
  • Request payments using mobile number or alias
  • Accept or reject payment requests
  • Share QR code for easy payments
  • Digital wallet functionality
Features
Read full description

BM merchant is a digital wallet that allows you to receive or request payments from consumers who are registered to any banks mobile payments services. An option of either using the consumer’s mobile number, alias, scanning yours or the consumers QR code is provided to make payments easier. Our features: Collect Payments-Allows you to receive payments from consumer by generating a QR code that will be scanned by the consumer with the bill amount already set. Initiate Payments-An option is also provided for you to request a payment from the consumer using their mobile number, alias, and scanning their QR, wherein the consumer has an option to accept or reject the payment. The merchant has an option to share their QR code to the consumer, which enables them to scan and make the payments through the application, anywhere.

Screenshots

NBO4 screens
bm merchant4 screens

Verdict

The call

The clearest difference is review sentiment: NBO at 45% against bm merchant's 0%. NBO also leads on update cadence (monthly vs every 4 months). bm merchant's advantage is iOS requirement (12.0 vs 14.0). 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.

UpkeepUpdate frequency

NBO ships an update monthly, bm merchant every 4 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
NBO versus bm merchant: the parameters behind the verdict, then further details
ParameterNBObm merchant
PriceFreeFree
Rating3.6 (88 ratings) — better—
Positive reviews45.0% of reviews — better0.0% of reviews
Number of ratings88 — better—
Update frequencyMonthly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.012.0 — better
Further details — not scored
Size239 MB7 MB
Age rating4+4+
DeveloperNational Bank of Oman SAOGBankMuscat

Customer experience

NBO

All ratings88 ratings
Positive63.6%
Neutral5.7%
Negative30.7%
Written reviews40 reviews
Positive45.0%
Neutral7.5%
Negative47.5%

bm merchant

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

NBO

No in-app purchases

None

bm merchant

No in-app purchases

Questions

Is NBO free?
NBO is free to download, with no in-app purchases.
Is bm merchant free?
bm merchant is free to download, with no in-app purchases.
Do NBO or bm merchant have ads?
Neither NBO nor bm merchant shows ads.
Which is updated more often, NBO or bm merchant?
NBO ships an update monthly, and bm merchant every 4 months. Most recently, NBO was updated on October 29, 2026 and bm merchant on October 24, 2026.

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