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🇴🇲 Sending to Oman

OM · OMN

OMR

IBAN required   SWIFT BIC required

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Required information

  • IBAN

    23 characters: OM + 2 check digits + 3-digit Bank Identifier (BID) + 16-digit account (numeric, leading zeros), e.g. OM040280000012345678901.

  • SWIFT BIC

    Beneficiary bank BIC (8 or 11 characters).

  • CBO Bank Identifier (BID)

    3 numeric digits, first 3 chars of BBAN (after country code + check digits)

  • Purpose-of-payment code (strongly advised)

    Free-text purpose for USD. OMR payments require a 3-digit CBO purpose code (CBO ACH Operating Rules, Annexure 2).

  • Beneficiary address

    Match the address template — partial addresses cause holds.

For your end users

Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.

Last reviewed by GIB compliance on 2026-05-21. Reference material only.

  • Currency

    OMR

  • Typical settlement

    1-2 business days typical; longer for cross-border with FX or compliance review.

  • SWIFT BIC

    Required

  • Local clearing

    RTGS (Central Bank of Oman)

Account format

How beneficiary account numbers are structured for Oman. Failure to match this format is the single most common reason wires are rejected at the destination.

Field Value
Format tier IBAN required
Length 23 characters: OM + 2 check digits + 3-digit Bank Identifier (BID) + 16-digit account (numeric, leading zeros)
Validation regex ^OM[0-9]{2}[0-9]{3}[0-9]{16}$
Example OM040280000012345678901

Routing identifiers

Which routing codes the wire-creation API call must include for Oman.

Field Value
SWIFT BIC Required
CBO Bank Identifier (BID) Required
Format 3 numeric digits, first 3 chars of BBAN (after country code + check digits)
Directory ↗ Source
Local clearing RTGS (Central Bank of Oman)

Address format

How Oman expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.

  1. Recipient Full Name
  2. Building/Way Number + Street
  3. P.O. Box Number
  4. 3-digit Postal Code
  5. City/Wilayat
  6. OMAN
Field Value
Postal code Optional — validated against the format below when provided
Postal code regex ^[0-9]{3}$
Example Ahmed Al-Farsi, P.O. Box 1234, 112 Ruwi, Muscat, OMAN

Purpose of payment

Put the purpose in the remittance information (<RmtInf><Ustrd>) of the ISO 20022 wire-creation request, as the code format below describes. Requirement: Highly recommended GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.

Not yet confirmed

We have not yet confirmed this country's purpose-of-payment requirement against a central-bank or correspondent-bank source. Including a purpose is recommended. We update these guides as we confirm each country.

Non-standard element

For Oman, the purpose is placed in <RmtInf> (remittance info), not the standard <Purp> element.

Field Value
Code format Free-text purpose for USD. OMR payments require a 3-digit CBO purpose code (CBO ACH Operating Rules, Annexure 2).
Authoritative source ↗ View source

Operational notes

Field Value
Currencies accepted OMR
Typical settlement 1-2 business days typical; longer for cross-border with FX or compliance review.
Banking holidays ↗ Calendar

Known issues:

  • IBAN is mandatory for all domestic and cross-border credit transfers per CBO circular dated 30-Jul-2023.
  • BBAN is strictly numeric (no alpha chars, no separators); leading zeros in the 16-digit account portion are significant.
  • Oman postal codes are 3 digits (not 5); some international address-validation libraries reject valid Omani addresses on length.

Common rejection reasons

Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.

Beneficiary name mismatch (initials, abbreviations, punctuation, or transliteration differences from what the beneficiary bank has on file).
Account number format error (wrong length, wrong check digits, or non-standard characters).
Missing or invalid SWIFT/BIC code.
Insufficient remittance information (unclear economic reason for the payment).
Sanctions or compliance hold (OFAC / EU / UN / local screening).
Missing or malformed IBAN (must be 23 chars starting OM) will be rejected by CBO-mandated IBAN validation at receiving bank.
BIC (SWIFT) of beneficiary bank is required alongside IBAN per CBO IBAN Implementation Guidelines.
P.O. Box-only addresses are common; absence of physical address can fail correspondent screening.

Validate before you send

Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.

IBAN check

Format: ^OM[0-9]{2}[0-9]{3}[0-9]{16}$ · MOD-97 (ISO 13616) check digit verified locally.

BIC lookup

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References

First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.

Disclaimer

These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.

Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.

For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.

Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.

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