National Bank of Oman S.A.O.G Review
An Omani Bank Bridging Oman and the UAE?
Editor’s Verdict for NBO UAE
National Bank of Oman (NBO) was founded in 1973 as the first local commercial bank in the Sultanate of Oman. In the UAE, NBO operates as a focused foreign bank with a limited but strategic footprint of just two branches – one in Abu Dhabi and one in Dubai. Rather than competing with the UAE retail giants, NBO concentrates on wholesale banking, project finance, syndication and cross-border services that connect customers between Oman and the Emirates. For individuals and businesses with ties to Oman, it offers a seamless banking bridge between the two countries.
✓ Best For
- Businesses and individuals operating across both Oman and the UAE who need seamless cross-border banking
- Corporate and wholesale clients seeking project finance, syndication and treasury solutions
- Omani nationals and companies looking for a familiar home-grown bank while based in the UAE
- Customers who value relationship-based banking over a large branch network
✗ Not Ideal For
- Customers who need an extensive branch and ATM network across all seven emirates
- Those who prioritise a feature-rich, mass-market digital banking app
- Expats seeking free remittance corridors to South Asia like the large UAE retail banks offer
Quick Facts
| Bank Type | Commercial / Wholesale / Corporate / Retail Banking |
|---|---|
| Founded | 1973 (first local commercial bank in Oman); operating in the UAE for over 10 years |
| UAE Head Office | Ground Floor, Nahel Tower, Fatima Bint Mubarak Street, Al Markaziya, Abu Dhabi |
| UAE Branch Network | 2 branches (Abu Dhabi & Dubai) |
| Group Network | 60+ branches across Oman plus UAE and Egypt presence |
| Mobile App | NBO Mobile Banking (iOS & Android) |
| Online Banking | NBO UAE Internet Banking |
| Languages Supported | English, Arabic |
| SWIFT/BIC Code | NBOMAEAD |
| Call Centre (UAE) | 800 2055 (24 hours) |
📍 Branch Locator
National Bank of Oman Pros & Cons
✓ Pros
- Oman–UAE bridge
Seamless cross-border banking for customers with interests in both countries - Strong corporate focus
Specialised project finance, syndication and treasury advisory services - Heritage and stability
Backing of Oman’s first local bank with over 50 years of history - Relationship banking
Personalised service for corporate and wholesale clients - Strategic locations
Branches positioned in central business districts of Abu Dhabi and Dubai
✗ Cons
- Very small UAE network
Only two branches, both concentrated in Abu Dhabi and Dubai - Limited emirate coverage
No presence in Sharjah, Ajman, RAK, Fujairah or Umm Al Quwain - Niche retail offering
Fewer mass-market consumer products than large UAE banks - Limited ATM access
Customers rely on partner and shared networks for cash access - Lower public visibility
Less brand presence in the UAE retail market
NBO UAE Popular Products
Savings Account
Most Popular
Who it’s for: Individuals who want a straightforward way to grow their savings while keeping funds accessible.
NBO’s Savings Account is designed to help you track your daily expenses and transactions while giving you the flexibility to reach your savings goals at your own pace. The account combines easy access to your funds with the security of banking through an established institution, making it a solid foundation for everyday money management in the UAE.
Current Account
For Daily Banking
Who it’s for: Customers and businesses who need to manage personal or business finances promptly and efficiently.
The NBO Current Account is built for today’s fast-paced world, where both business and personal finances need to be handled quickly and reliably. It provides the everyday transactional banking tools you need, with the backing of NBO’s wider corporate and wholesale banking capabilities for clients who require more advanced services.
Wholesale & Corporate Banking
Flagship Strength
Who it’s for: Corporates and institutions needing financing, treasury and cross-border solutions between Oman and the UAE.
This is where NBO’s UAE operation truly stands out. The bank offers project finance and syndication, foreign exchange, interest rate risk management and treasury advisory. Its positioning as an Omani bank with a UAE licence makes it a natural partner for companies trading or investing across the two markets.
National Bank of Oman Fees & Charges
NBO’s UAE schedule of charges is set out in its official Service Charter and may vary by product and customer segment. Always confirm current figures with the branch before opening an account.
Digital Experience
NBO Mobile Banking
The NBO mobile application offers an easy and secure way to stay in touch with the bank, whether you need information on products, want to manage your accounts or carry out everyday transactions. Given the bank’s small physical UAE footprint, the digital channels and call centre play a central role in day-to-day servicing.
What works well: Secure access to account information and routine transactions without needing to visit a branch. Useful for customers who manage finances across Oman and the UAE and prefer remote banking.
What to keep in mind: As a niche corporate-focused bank in the UAE, the consumer digital experience is more functional than feature-rich, and some services may still require contacting a branch or the call centre directly.
Online Banking
NBO provides internet banking for both personal and corporate customers through its UAE website. It supports account management and transfers, with corporate internet banking tailored to the needs of business clients who form a large part of the bank’s UAE customer base.
National Bank of Oman Contact Information & Support
Customer Service
Call Centre (24/7)
Abu Dhabi Branch
Dubai Branch
UAE Branches
UAE Head Office
Ground Floor, Nahel Tower
Fatima Bint Mubarak Street, Al Markaziya
Abu Dhabi, UAE
P.O. Box 3822
Quick Actions
National Bank of Oman SWIFT Codes
National Bank of Oman uses a single SWIFT/BIC code for its UAE operations, registered to its head office in Abu Dhabi. Use this code for international wire transfers to or from NBO in the UAE, together with the recipient’s account number or IBAN.
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| NBOMAEAD | Head Office | Abu Dhabi | Nahel Tower, Fatima Bint Mubarak Street, Al Markaziya |
If you’re not sure what this means, see what is a SWIFT code. To browse every bank, open the full UAE SWIFT code table, or check this SWIFT code.
National Bank of Oman Branch Network
National Bank of Oman maintains a compact UAE network of two branches, located in Abu Dhabi and Dubai. The branches listed below are sourced from the bank’s official branch locator. They serve as the primary points of contact for personal, corporate and wholesale banking customers in the Emirates.
Abu Dhabi
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi Branch | Ground Floor, Nahel Tower, Fatima Bint Mubarak Street, Al Markaziya, Abu Dhabi (P.O. Box 3822) | +971 2 697 4000 |
Dubai
| Branch | Address | Phone |
|---|---|---|
| Dubai Branch | Eiffel 2 Building, Sheikh Zayed Road, Umm Al Sheif, Dubai (P.O. Box 66106) | +971 4 304 9400 |
Information may change – verify current terms on the official National Bank of Oman website before making financial decisions. This page is for informational purposes only and does not constitute financial advice.
FAQ – National Bank of Oman (UAE)
How many branches does National Bank of Oman have in the UAE?
NBO operates two branches in the UAE: one in Abu Dhabi (Nahel Tower, Fatima Bint Mubarak Street, Al Markaziya) and one in Dubai (Eiffel 2 Building, Sheikh Zayed Road). It does not currently have branches in Sharjah, Ajman, Ras Al Khaimah, Fujairah or Umm Al Quwain.
What is the National Bank of Oman SWIFT code in the UAE?
The SWIFT/BIC code for National Bank of Oman in the UAE is NBOMAEAD, registered to the head office in Abu Dhabi. Use this code along with the recipient’s account number or IBAN for international wire transfers.
How do I contact National Bank of Oman in the UAE?
You can reach the 24-hour UAE call centre on 800 2055, the Abu Dhabi branch on +971 2 6974000, or the Dubai branch on +971 4 304 9400. General enquiries can also be sent by email to ASKUS@NBO.CO.OM.
When was National Bank of Oman founded?
National Bank of Oman was founded in 1973 as the first local commercial bank in the Sultanate of Oman. It has operated in the UAE for more than a decade, alongside its presence in Oman and Egypt.
What type of bank is NBO in the UAE?
In the UAE, NBO operates as a focused commercial bank with a strong emphasis on wholesale and corporate banking, including project finance, syndication and treasury services, alongside selected personal banking products such as savings and current accounts.
What accounts can I open with NBO in the UAE?
NBO offers personal Savings and Current Accounts in the UAE, designed for everyday money management and transactional banking. Eligibility, minimum balances and documentation requirements should be confirmed directly with a branch.
Does National Bank of Oman offer corporate banking in the UAE?
Yes. Corporate and wholesale banking is NBO’s core strength in the UAE, covering project finance, syndication, foreign exchange, interest rate risk management and treasury advisory, with dedicated corporate internet banking for business clients.
What are the working hours of NBO branches in the UAE?
NBO UAE branches generally operate Monday to Thursday from 8:00 AM to 2:00 PM and Friday from 7:30 AM to 12:30 PM, while the call centre on 800 2055 is available 24 hours. Always confirm current timings with the branch before visiting.
