Thawani Pay review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
For residents in Oman managing bills, transfers and shopping in one place, Thawani Pay is a licensed digital wallet and non banking super app built for everyday life in the country. It brings wallet payments, bill settlement, cross border transfers and prepaid card control together for routine daily use.
Key facts
- Best for
- Oman residents handling everyday payments
- Monthly fee
- OMR 0↗
- Transfer fee
- 300 baisa Mojab to local bank account transfer↗
- Legal entity
- Thawani Pay Technologies LLC↗
- Headquarters
- Oman↗
- Founded
- 2020↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Expats, Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- thawani.om
Pros and cons
Pros
- Licensed by the Central Bank of Oman as a non banking super app.
- Combines wallet payments, bills, transfers, shopping and insurance quotes in one app.
- Supports QR, alias and phone number transfers plus prepaid card management.
Cons
- Focuses solely on Oman, so use outside the country is limited.
- Operates as an app only service without physical branch access.
Who it suits
- Oman residents wanting bills, shopping and transfers in one app
- People seeking insurance quotes alongside everyday payments
Who should look elsewhere
- People living outside Oman
Safety and regulation
Thawani Pay holds a licence from the Central Bank of Oman and describes itself as the first non banking super app in the country. The app keeps primary bank details separate by using loaded balances for spending and shows monitoring of every transaction as it happens. Wallet payments, bill settlement, transfers and prepaid card activity sit under the same licensed framework for everyday use in Oman. Oversight by the national central bank gives a regulated basis for handling routine digital payments inside the country.
How Thawani Pay compares
Where Thawani Pay is available
- Available
- Oman
- Licence in Oman
- Central Bank of Oman, checked September 26, 2026
- Licence in Oman
- Visa (principal member / issuer licence, prepaid cards), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can use Thawani Pay?+
Thawani Pay is built for everyday life in Oman and serves people managing daily payments, bills and shopping there. The app brings wallet activity, transfers and bill settlement together for residents handling routine needs inside the country.
What can you do in the Thawani Pay app?+
The app covers wallet payments, utility bills, mobile top ups, settlement of traffic fines, transfers, shopping for phones and appliances, insurance quotes and prepaid card management. Zakat and donations plus gifts for loved ones are also part of the service.
Where does Thawani Pay operate?+
Thawani Pay operates in Oman and supports merchants and points of sale across the country. The service is positioned for daily lifestyle needs inside Oman and centralises bills, shopping and transfers for routine local use.
What protection applies to Thawani Pay transactions?+
Thawani Pay holds a licence from the Central Bank of Oman and keeps primary bank details separate through loaded balances for spending. Every transaction is monitored as it happens, giving clear visibility across wallet, bill and transfer activity.
Does Thawani Pay charge a monthly fee?+
The monthly fee at Thawani Pay is OMR 0. (Source, checked September 26, 2026)
Where is Thawani Pay based?+
Thawani Pay is based in Oman. (Source, checked September 26, 2026)
When was Thawani Pay founded?+
Thawani Pay was founded in 2020. (Source, checked September 26, 2026)
How can I contact Thawani Pay support?+
Thawani Pay offers support through Email, Chat, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- thawani.om/about-us checked September 26, 2026
Backs: Audience, Founded
“Launched Mojab Business - Oman's first integrated smart corporate card.”
- thawani.om/international-money-transfer checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee, Fee to send 1,000
“Get 2 days transfers on most major currencies.”
- thawani.om/security-and-compliance checked September 26, 2026
Backs: Licences
- thawani.om/terms-and-conditions checked September 26, 2026
Backs: Features, Headquarters, Legal entity, Pricing model, Monthly fee, Support channels
“Mobile Wallet Solution means the electronic (mobile) wallet solution deployed by Thawani Pay in the Sultanate of Oman”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.