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E-Mandate Direct Debit

Take control of your recurring payments with the enhanced E-Mandate Direct Debit feature—now available through OAB Mobile and Internet Banking.

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Benefits

E-Mandate Direct Debit – Smart, Secure & Flexible

Key Features:

  • Quick & Easy Setup
    Create mandates with just a few taps via Mobile Banking or Internet Banking.
  • Revocable / Irrevocable Options
    You control whether the mandate can be cancelled anytime or kept fixed for specific commitments.
  • Fixed / Variable Amounts
    Choose:
    • Fixed Debit: Set a fixed amount per payment.
    • Variable Debit: Allow the biller to debit varying amounts (e.g., utilities or insurance).
  • Auto Execution on Due Date
    Payments are processed automatically on the set schedule—no need to log in each time.
  • End-to-End Digital
    No paperwork, no branch visits. Everything is done online—instantly and securely.
  • Mandate Dashboard
    View, manage, or cancel your active mandates anytime from the E-Mandate dashboard.
  • Real-time Notifications
    Get SMS and email alerts whenever a mandate is triggered or updated.

Features

Why Choose Direct Debit

  • Avoid late payment penalties
  • Never miss a due date
  • Simplify recurring payments (utilities, insurance, school fees, subscriptions)
  • Enhanced control with real-time tracking
  • Compliant with Central Bank of Oman regulations for auto-debit services

Mechanism

How it Works

Step 1

Log in to OAB Mobile or Internet Banking. Navigate to “E-Mandate”

Step 2
  1. Select the Create New E-Mandate.
  2. Enter the Payer Details.
  3. Set the amount, frequency, and duration.
  4. Choose Fixed or Variable, and Revocable or Irrevocable
Step 3

Confirm using OTP. Done! Your E-Mandate is now active.

Before You Apply

Things to Know Before You Start Setting Up

Eligibility
  • All mobile and internet banking users.
Ways to Apply
  • Visit our OAB branches
  • Get in touch with our call center “Fil Kihidma” 2475 4444
  • Apply Online
  • Apply via App
Apply Online
Apply Via App

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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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