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 To logon to BankMuscat Online, you require your login name and your Login Password. For making any transactions you need a Posting Password.

The login name is issued to you when you apply for the Internet banking service. These are personal to you and allow the Bank to uniquely identify you as our customer.  

The login name is used in conjunction with the Login Password to register for BankMuscat Online. During the registration process, you have to choose your own Username. Registration is a one-time activity. To log-on to the service after you have registered, you will require the user name and login Password provided to you by the Bank.

In case you do not have your login name, Login Password and your Posting Password even after applying for the service, call our 24795555 or contact your branch. To apply for the service use the online application form or visit your branch.
 

 Yes, of course. You can access your accounts from anywhere as long as you have an Internet connection.
 

 The service is available free of charge to customers of BankMuscat. However, specific services like Cheque Book and Demand Drafts will be charged as per the normal charges applicable for these services. 
 

 BankMuscat Online is a secure means of carrying out your banking transactions as all communication during your banking session is encrypted

BankMuscat maintains strict security standards and procedures to prevent unauthorized access to your account information. The bank uses leading technologies such as data encryption, firewalls and server authentication to protect the security of your data. All communication during your Internet Banking session is encrypted using 'strong grade' encryption, i.e. SSL 128 bit. Encryption is a process that transforms sensitive information into a string of unrecognizable characters before they are sent over the Internet. This keeps information private between the Bank's computer system and your Internet browser 

You will need to input a unique login Password and a Posting Password whenever you access this service. Your login password and your Posting Password are both personal to you and help safeguard against your bank details being accessed by anybody else.

The Internet Banking service has timed logouts, which means that Internet Banking sessions will end after some time of inactivity. This protects you in case you forget to log-out. 

Bank Muscat follows a strict policy of Backup, Storage and Retrieval for all its systems, which includes Bank Muscat Online
 

 Keep your login Password and Posting password secure

Create a password with a combination of letters and numbers, use upper and lower case.
Select a password that cannot be easily guessed by someone else
Do not associate your password with anything personal such as names, birth dates, phone numbers
Never record your password on any software, which displays it automatically (eg. Some versions of Microsoft Windows prompt you to store a password so that you do not have to enter it next time you log on. Do not select this option).
Memorize your password and never write it down or reveal it to anyone.

Change your password on a regular basis - at least every 30 days. The option to change your password is provided to you within the Internet Banking service.

Never leave your PC unattended after you have accessed Online Banking. Always log off when you finish using the service.
Know everyone who uses your computer and limit unauthorized access. Be aware of any public computer environment you use to access the service and ensure that the environment does not provide an opportunity for anyone to gain access to your Personal Banking Number (PBN) and Password.
If you suspect any unusual account activity, call your personal banker or send him a mail. Details of your personal banker are given on the site once you log in. You may also call our 24 hours Call Center on 24795555
 

 Services offered

• Check your Balance
• View your detailed statement
• Cheque Book request
• Pay your Utility Bills
• Pay your credit card
• Request for a Demand Draft
• Report Lost ATM Card
• Transfer funds between your accounts
• Request for a new Term Deposit/roll over deposit
• View accounts in the currency of your choice
• Personalized accounts by naming them as per your choice
• Education fee Payments
• Funds Transfer to India
• Air Arabia Ticket payments
• Education fee Payment
• Funds transfer to India - Speed Transfer
• Air Ticket Purchase - Air Arabia
• Mobile Top Up
   

 The transactions are "Real-Time online". This means that the BankMuscat Online Banking service is designed in such a way that it takes your requests and acts on them immediately. The transactions that will affect are done automatically by the System as soon as you authorize the transaction.
 

 Services like funds transfer utility bill payment are immediately noticeable in your account.. For others services like Demand Draft request, Cheque book request etc. while the system processes the transaction immediately, there would be a processing time required to prepare the draft, order cheque book etc. 

Credit card payments are also transacted immediately and debited in the source account from which the payment is made but updated in the credit card account on the following day. 

All the balances that are displayed to you are as of that instant and would cover transactions done by you over any of our channels.
 

 For funds transfer and payments, the system indicates the status of each the transactions. In case of a cancelled or pending transaction, the same is also displayed. 

For requests such as demand drafts, cheque book order etc., the system does one of the following: 

Displays the information requested 

• Accepts your instruction and displays an appropriate message to the effect.
• Displays an appropriate message on why it cannot complete your transaction or asks you to try again

 

 The password is a Alpha randomly generated by the system, and the only person having access to it is you. We would therefore request you to apply for regeneration of the password.
 

 There could be various reasons for the password not functioning:

1) The password is case-sensitive and may not have been entered in the same upper case as mentioned in the password envelope sent to you.
 

 You need a new password to login in case you have forgotten your Password. You need to send your written instructions asking the bank to cancel your existing password and reissue a new one
 

 To change your password, please follow the instructions given below

Log onto the bank site http://www.bankmuscat.com/ or http://www.bankmuscatonline.net/. Go to the BankMuscat Internet Banking Log-in area and key in your Login name and Login Password. The password is case-sensitive. Please key in the same upper case as mentioned in the password envelope.

After you have logged in, you can change your password using the change password option. The password should be alpha-numeric and more than or equal to 8 characters.
 

 Reasons you could be locked out for:

• You have entered the wrong password five times and your account has been locked for security reasons. In such a case you have to send the bank a written request to unblock your Account if you still remember the password if not then request for regeneration of a new password.

 

 You have to contact the bank with a written request to cancel your existing password and regenerate a new password.
 

 We require a written instruction from you to block your password and delete you as a user.