Oman's payment infrastructure combines conventional RTGS/ACH rails with modern mobile and domestic-card infrastructure.
Currency
Currency: Omani rial
Code: OMR
Central bank: Central Bank of Oman
Peg: OMR 1 = US$2.6008
RTGS
Oman's RTGS is the settlement backbone for high-value and priority interbank transactions.
CBO upgraded the RTGS in 2023 with modern technology and multi-currency capabilities.
ACH
The Automated Clearing House supports recurring and single low-value transactions, including direct credit/direct debit.
OmanNet
OmanNet is the national switching infrastructure for:
ATM;
POS;
payment-gateway transactions.
MPCSS / mobile payments
Oman has developed mobile clearing/payment infrastructure supporting 24/7 digital transactions and QR capabilities.
Maal
Maal is Oman's national payment card, supervised by CBO and issued through eligible banks/PSPs.
CBO states that Maal is intended for local use and regional GCC acceptance through GCCNet.
AFAQ
Omani banks are progressively onboarding to AFAQ. GPC announced additional Omani bank onboarding during 2025–2026.
Virtual assets
Oman requires VASPs to register and comply with AML/CFT requirements.
This gives Oman a supervised virtual-asset perimeter, but it does not mean a private stablecoin is automatically equivalent to OMR for ordinary payment purposes.
Related pages
Authoritative sources and update date
Research updated: September 16, 2026.
This content is designed as an explainer. Payment availability, participant-bank coverage, cut-off times, fees, FX spreads, stablecoin treatment, and licensing requirements can change. For an actual transaction, confirm the current position with the relevant central bank, payment-system operator, sending institution and receiving institution.