Oman IBAN Format (OM) — Structure, Length & Example

The Oman IBAN is 23 characters long and follows the ISO 13616 standard mandated by the Central Bank of Oman (CBO). Oman was among the early Gulf states to implement IBANs across its banking system, making them mandatory for all domestic and international credit transfers. Oman is not a SEPA country — all international transfers use the SWIFT network, and the BIC code of the Omani bank is required alongside the IBAN.

Oman IBAN at a Glance

• Country code: OM
• Total length: 23 characters (always)
• Format: OMkk bbb cccccccccccccccc
• BBAN length: 19 characters
• Character types: 3-digit bank code + 16-digit account number (all numeric)

Oman IBAN Structure Explained

1. Country Code — OM (2 characters)

The ISO 3166-1 alpha-2 code for Oman. Every Omani IBAN begins with OM.

2. Check Digits — kk (2 digits)

Two decimal digits calculated using the MOD-97 algorithm defined in ISO 7064. They identify transposition and transcription errors before the payment is processed.

3. Bank Code — bbb (3 digits)

A 3-digit numeric code identifying the Omani bank, assigned by the Central Bank of Oman. Common bank codes include:

• 020 — Bank Muscat (largest bank in Oman)
• 002 — National Bank of Oman (NBO)
• 061 — Bank Dhofar
• 072 — Sohar International (formerly Bank Sohar)
• 003 — Oman Arab Bank

4. Account Number — cccccccccccccccc (16 digits)

A 16-digit numeric account number. This is a long account field — Oman's banking system encodes the customer account with no separate branch code in the IBAN. Shorter accounts are left-padded with zeros.

Oman IBAN Example Explained

OM81 0180 0000 0001 2991 234

• Country: OM
• Check digits: 81
• Bank code: 018
• Account number: 0000000012991234

This is an illustrative example. Validate a real Omani IBAN using the ibanchecker.cash validator before initiating a payment.

How Omani IBAN Validation Works

1. Country code check: First two characters must be exactly OM.
2. Length check: Total character count (spaces removed) must be exactly 23.
3. Character type check: All 19 BBAN characters must be decimal digits — no letters appear after the country code in a valid Omani IBAN.
4. MOD-97 check: Move the first four characters to the end, replace each letter with its numeric equivalent (O=24, M=22), compute the remainder modulo 97. A valid IBAN produces a remainder of 1.

The ibanchecker.cash IBAN validator validates Omani IBANs and returns the associated bank name and SWIFT code.

Major Omani Banks

Oman's banking sector is regulated by the Central Bank of Oman and includes both conventional and Islamic (interest-free) institutions:

• Bank Muscat — Oman's largest bank by assets; BIC: BMUSOMRX. Offers full retail, corporate, and Islamic banking services.
• National Bank of Oman (NBO) — The oldest bank in Oman, founded in 1973 as a joint venture with the National Bank of Abu Dhabi.
• Bank Dhofar — Headquartered in Muscat; strong presence in Dhofar Governorate in southern Oman.
• Sohar International — Rebranded from Bank Sohar in 2019; focuses on SME and corporate banking.
• Bank Nizwa — Oman's first dedicated Islamic bank, licensed in 2012.

Oman Is Not a SEPA Country

Oman is not a member of SEPA. All international payments to Omani accounts travel via the SWIFT network. Practical consequences include:

• Processing times of 1–4 business days
• Correspondent bank fees typically charged to the sender or split (SHA)
• Both the IBAN and the bank's BIC/SWIFT code are required
• Currency is the Omani rial (OMR), one of the world's highest-valued currencies; denominated payments in USD are also common for trade transactions

Look up any Omani bank's BIC for SWIFT payments using the ibanchecker.cash SWIFT directory.

Common Omani IBAN Mistakes

Confusing Oman with UAE or Saudi IBANs

Oman (23 characters), UAE (23 characters), and Saudi Arabia (24 characters) all share similar Gulf regional formats. The country code is the critical differentiator — a payment sent to an OM IBAN will not reach a UAE or SA account.

Truncating the 16-Digit Account

Oman's 16-digit account field is longer than most other Gulf IBANs. Systems that truncate the BBAN or assume a shorter account length will generate an invalid 22-character IBAN instead of the correct 23 characters.

Spaces in Electronic Transmission

Remove all spaces when submitting electronically: OM810180000000012991234.

Validating Omani IBANs in Bulk

Finance teams processing Gulf region supplier payments can validate Omani IBANs alongside UAE, Saudi, Qatari, and Kuwaiti ones using the ibanchecker.cash bulk checker. Upload a CSV with up to 100 IBANs and receive per-row validation with bank identification and error descriptions.

Last updated: June 2026