Comparison

NBO vs Thawani Pay

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

Thawani Pay

This app offers a secure and convenient way to make and receive payments using your mobile phone. Merchants can easily accept payments via QR codes or mobile invoices, and integration options are available for existing billing systems.

Highlights
  • Mobile payment solutions
  • QR code payments
  • Mobile invoice generation
  • Integration with billing/ERP systems
  • Secure payment environment
  • Compliance with PCI-DSS and PA-DSS
Read full description

Thawani Pay is Oman’s leading fintech and the first non-bank payment service provider licensed by the Central Bank of Oman. We are also the first fintech in Oman to secure a Visa license to issue credit cards a national milestone. With Thawani Pay, you can manage your daily financial needs through a secure, intuitive, and fully digital experience: • Bill Payments – Pay utilities and services quickly and securely. • QR Pay / Merchant Payments – Make instant payments at partner merchants. • Send Money (Local Transfers) – Transfer funds seamlessly within Oman. • International Remittance – Send money abroad with ease. • Insurance – Access digital insurance services. • Microfinance – Manage microfinance solutions directly in-app. • Mojab Cards – Activate and use Mojab prepaid cards. • Thawani Store – Explore curated digital products. Enjoy a trusted, compliant, and user-friendly platform designed to simplify your financial journey.

Screenshots

NBO4 screens
Thawani Pay4 screens

Verdict

The call

NBO and Thawani Pay are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

On the App Store both sit at effectively the same score — 3.6 for NBO against 3.5 for Thawani Pay. Both are backed by a comparable volume of ratings — 88 and 46 respectively. Written reviews split almost evenly too, at 45% and 44% positive.

UpkeepUpdate frequency

NBO ships an update monthly, Thawani Pay every 3 weeks. Both last shipped on October 29, 2026.

ScorecardNo meaningful differences
NBO versus Thawani Pay: the parameters behind the verdict, then further details
ParameterNBOThawani Pay
PriceFreeFree
Rating3.6 (88 ratings) — better3.5 (46 ratings)
Positive reviews45.0% of reviews — better44.4% of reviews
Number of ratings88 — better46
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.6
Further details — not scored
Size239 MB149 MB
Age rating4+17+
DeveloperNational Bank of Oman SAOGThawani Technologies LLC

Customer experience

NBO

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

Thawani Pay

All ratings46 ratings
Positive60.9%
Neutral4.3%
Negative34.8%
Written reviews9 reviews
Positive44.4%
Neutral0.0%
Negative55.6%

In-app purchases

None

NBO

No in-app purchases

None

Thawani Pay

No in-app purchases

Questions

Is NBO free?
NBO is free to download, with no in-app purchases.
Is Thawani Pay free?
Thawani Pay is free to download, with no in-app purchases.
Which has better reviews, NBO or Thawani Pay?
NBO is rated higher. NBO averages 3.6 out of 5 from 88 ratings, while Thawani Pay averages 3.5 from 46 ratings.
Do NBO or Thawani Pay have ads?
Neither NBO nor Thawani Pay shows ads.
Which is updated more often, NBO or Thawani Pay?
NBO ships an update monthly, and Thawani Pay every 3 weeks. Most recently, NBO was updated on October 29, 2026 and Thawani Pay on October 29, 2026.

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