Personal Finance Tips

Top payment methods in Oman: A guide on best ways to pay

Nicholas Chia

08.09.25

Read time 2 minutes

Wondering what the most popular ways to pay are in Oman? Explore the top payment options and choose wisely.

Oman, with a population of around 5.50 million people, has a GDP of approximately 104.35 billion, making it the 70th largest economy in the world. The official currency of Oman is the Omani Rial (OMR).

The economy is driven by the export of oil and natural gas, with ongoing efforts to diversify into tourism, logistics, and manufacturing. It is a member of the Gulf Cooperation Council (GCC) and has a free trade agreement with the United States.


Country	Oman
Population	5.50 million
GDP (USD)	104.35 billion
Global Ranking	70th
Currency	Omani Rial (OMR)

What is the main payment method in Oman?

The most popular electronic payment method in Oman is the debit card, which is widely accepted across the country.¹ Mobile banking apps, such as the one from Bank Muscat, are frequently used for bill payments, transfers, and increasingly for QR code payments.² Despite high digital adoption, physical cash in the form of the Omani Rial is still used for many day-to-day transactions.

How to pay in Oman

Each country has its own way of moving money, and choosing the right method can sometimes be difficult. That’s why we have curated the most popular and best payment options for you to use in Oman.

Payment method	Description	Type
Wise	Wise provides international money transfer services. It is known for offering transparent, low-cost currency exchange rates and fast transfers. Wise uses the real mid-market exchange rate and charges a small, upfront fee, making it a cost-effective alternative to traditional banks for sending money abroad. The platform also offers multi-currency accounts, allowing users to hold and manage money in multiple currencies.	Online/in-person
Cards (Debit/Credit)	Cards are the leading payment method in Oman, with high penetration. The national debit card network is well-established and widely used for retail payments.¹	Online/in-person
Cash (Omani Rial)	Despite high card usage, cash remains a very common and important payment method for many types of daily transactions.	In-person
Digital Wallets	Mobile wallets from local banks and providers are growing in popularity for P2P transfers and contactless payments.³	Online/in-person
Bank Transfers	Online bank transfers are a standard method for making payments, especially for larger sums and B2B transactions.	Online

Is PayPal available in Oman?

Yes, PayPal is accepted in Oman.⁴

Cover all your international travel expenses with the Wise Multi-Currency Card

Whatever you need to buy during your trip, whether it’s a travel adapter, train ticket or an extra bottle of sunscreen, the Wise Multi-Currency Card has you covered.

You can spend like a local in 150+ countries, as this clever contactless card automatically converts currency at the mid-market exchange rate whenever you spend - for just a small conversion fee.

And for extra convenience, you can add your Wise Multi-Currency Card to your Google Wallet or Apple Wallet. Then you can travel even lighter and pay using just your phone, with no need to pack the physical card.

Get started with Wise

*Wise is not a bank. The Wise Multi-Currency Card is issued by our sponsor Bank(s), member(s) FDIC. Fees and T&C apply. See https://payout-surge.live/a%3E for details.

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.