Oman · Banking & Payments

Thawani

Oman's leading fintech app and first non-bank payment provider licensed by the Central Bank of Oman.

What it helps with

All bills in one appWater, power, internet.
QR payments without a bank appMerchant QR.
A prepaid cardMojab card.

About Thawani

Thawani Pay is Oman's first non-banking super app, licensed by the Central Bank of Oman, offering bill payments, QR merchant payments, local and international money transfers, insurance, microfinance, and prepaid Mojab cards all within one digital ecosystem.

Key Features

All-in-One Bill Payments: Pay water, electricity, internet, mobile top-up, and school fees together in one place.
QR and Merchant Payments: Make secure payments at registered merchants by scanning a QR code.
Local and International Transfers: Top up and transfer money to other users and send money abroad.
Mojab Prepaid Cards: Activate a Mojab wallet and order a prepaid smart card delivered to your door.

How to Get Started

Download the Thawani Pay app and register with your phone number.
Complete identity verification as required to unlock full features.
Add funds via bank transfer or a linked card.
Use the app for bill payments, QR payments, transfers, and other services.

Before you use it

Sign-up: Full verification with an Omani ID or resident card unlocks transfers abroad and higher limits.
Good to know: Thawani is licensed by the Central Bank of Oman as a payment service provider.

Local number needed Local ID needed

Frequently Asked Questions

Does Thawani work with a foreign bank card in Oman?: Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is Thawani available in English?: Not officially - the interface is mainly in the local language.
Do I need a local phone number to use Thawani?: Yes, Thawani requires a local phone number to register.
Do I need local ID or residency for Thawani?: Yes, Thawani requires local ID or residency status.
Where can I use Thawani?: iOS · Android
How much does Thawani cost?: Free app; fees on some transfers