E-Mandate Direct Debit

Direct Debit is an advanced electronic payment system that allows authorized organizations to automatically collect payments from your account. Designed for ease of use, reliability, and security, Direct Debit streamlines your financial transactions like never before.

Benefits

Benefits of Using E-Mandate Direct Debit

With E-Mandate Direct Debit, you can say goodbye to the hassle of manual bill payments and enjoy the convenience of automated transactions. Join the thousands of satisfied customers who are already benefiting from the convenience of Direct Debit and take control of your finances

Here’s how Direct Debit can benefit you:

Benefits of Using E-Mandate Direct Debit?

With E-Mandate Direct Debit, you can say goodbye to the hassle of manual bill payments and enjoy the convenience of automated transactions. Join the thousands of satisfied customers who are already benefiting from the convenience of Direct Debit and take control of your finances.

Here’s how Direct Debit can benefit you:

Never Miss a Payment

E-Mandate Direct Debit ensures that your recurring bills, such as utility bills, loan payments, and subscriptions, are paid on time, every time. Say goodbye to late payment fees and avoid the inconvenience of missed deadlines.

Save Time and Effort

No more writing checks, queuing at payment counters, or logging in to multiple websites to settle bills. E-Mandate Direct Debit automates the entire process, allowing you to focus on what matters most to you.

Flexible Payment Options

Whether you prefer to pay your bills in full or set up partial payments, E-Mandate Direct Debit offers flexibility to suit your financial needs. You can also choose to set limits or thresholds for transactions, giving you full control over your spending.

Peace of Mind

Rest assured that your E-Mandate Direct Debit transactions are secure and protected by advanced encryption protocols and authentication measures. Plus, with real-time notifications, you’ll always be informed about your account activity and can quickly detect any unauthorized transactions.

Features

Why Choose E-Mandate Direct Debit

Automated Convenience

Bid farewell to manual bill payments. Direct Debit effortlessly manages your recurring payments, ensuring you never miss a deadline.

Guaranteed Timeliness

Rest assured knowing your payments will always be made on time, bolstering your financial standing and credibility.

Unparalleled Security

Experience the utmost in transaction security, reducing the risk of fraud and unauthorized access to your funds.

Mechanism

How it Works

Step 1

Signing up for E-Mandate Direct Debit is quick and easy. Simply visit your nearest branch to enroll today.

Step 2

One of our assistants will support you through the enrollment process.

Step 3

Once you’re set-up, you can sit back, relax, and let E-Mandate Direct Debit take care of your bill payments effortlessly.

Before You Apply

Things to Know

Eligibility
Ways to Apply

Don’t Have an Account

Find out more about OAB’s current accounts and start using iSend when you set up and account.

Help and Support

We Are Here to Help

What is E-Mandate Direct Debit?

E-Mandate Direct Debit is a secure service that allows you to authorize recurring payments to approved billers or service providers directly from your OAB account—automatically and without manual intervention. It helps you manage subscriptions, utility bills, school fees, and more.

You can access and manage E-Mandates through:

  • OAB Mobile Banking App
  • OAB Internet Banking Portal
    Just log in and navigate to the “E-Mandate” section.

You can automate:

  • Utility bills (electricity, water, telecom, etc.)
  • Insurance premiums
  • School and university fees
  • Subscription services (e.g. TV, internet)

Monthly donations or recurring loan payments

  • Fixed Debit: A fixed amount is debited on each scheduled date.
  • Variable Debit: The amount may vary each time, based on actual billing (e.g. electricity bills or telecom usage).
  • Revocable Mandate: You can cancel or modify it anytime through Internet/Mobile Banking.
  • Irrevocable Mandate: It remains fixed for the defined duration unless the beneficiary or the bank revokes it.

Yes. E-Mandate is fully secure and complies with Central Bank of Oman regulations. It uses OTP verification, encryption, and real-time alerts for every transaction.

Absolutely. You will receive SMS whenever a payment is executed, a mandate is created, or changes are made.

  1. Log in to OAB Mobile or Internet Banking
  2. Go to “E-Mandate”
  3. Click on “Create New E-Mandate”
  4. Fill in payer and mandate details (amount, frequency, type)
  5. Choose Fixed/Variable and Revocable/Irrevocable
  6. Confirm using OTP

Yes, through the Mandate Dashboard, you can:

  • View active mandates
  • Cancel or modify (if revocable)
  • Track payment history

No. Oman Arab Bank currently offers E-Mandate services free of charge to eligible customers.

The payment will fail, and you will be notified immediately. You may also need to manually settle the bill. Repeated failures may result in mandate suspension.

Yes, you can create multiple mandates for different services and control them individually through the dashboard.

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