Sr

Charge Type Charge Particulars Charge Amount

No.

BANK
CHARGES
1
Sr
Charge Type Charge Particulars Charge Amount
No.

DEPOSIT PRODUCTS
2
1 Savings Account

Per month (if balance falls

below RO 100)
No charges shall be levied 2
under this head if the
account is maintained for
1.1 Ledger Fees 500 Baizas Ot
the purpose of receiving
Pension and other Social
Support Allowance 2
being granted by the
Government to Pensioners
and disabled persons.

Per month (if balance falls

5 Dirhams
below AED 1,000)

Eligibility & minimum

1.2 Interest 0.5%
balance RO 100

2 Current Account

Per month (if balance falls

below RO 200)
No charges shall be levied
under this head if the
account is maintained for
2.1 Ledger Fees the purpose of receiving 500 Baizas
Pension and other Social
2
Support Allowance
being granted by the
Government to Pensioners
and disabled persons.
2
Per month (if balance falls
below AED 2000)

below AED 2,000 AED 20

below USD 2,000 USD 10
below GBP 2,000 GBP 5
below EUR 2,000 EUR 10 3
Commission for Cash
withdrawal in Foreign
1%
Currency (subject to
availability of currency)
3
10 leaves RO 1
2.2 Cheque Book Charges 25 leaves RO 2
50 leaves RO 3

Returned for want of RO 15

Cheque Return
2.3 funds
Charges 4
Returned for other reasons RO 10

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If the cheque is within one RO 2

year period
Photocopy of paid
2.4
cheque
If the cheque is more than RO 3
One year old

Per cheque or per

2.5 Stop Payment instruction for bunch of RO 5
serially numbered cheques

Other Product specific ledger fees

Charge Amount per

2.6 Product / Segment Ledger fee particulars
month

Per month if balance falls

Najahi Current Account RO 2
below RO 500

Asalah / Priority Non maintenance of

RO 20
Banking eligibility criteria

Minimum balance ledger

Shababi Saving
charges if balance less than 250 Baizas
account
RO 10/-

Minimum balance ledger

Zeinah Savings
charges if balance less than 500 Baizas
account
RO 100/-

Handling of Post Dated

2.7 Post Dated Cheques RO 5
Cheques (Per Cheque)
Monthly RO 5 p.a.
Bank Statement (other
2.8 than normal periodicity Weekly RO 20 p.a.
as agreed)
Daily RO 50 p.a.
3 Call Accounts
If balance falls below Monthly
RO 1,000 RO 2
AED 10,000 AED 50
3.1 Ledger Fees
USD 2,000 USD 20
GBP 2,000 GBP 15
EUR 2,000 EUR 20
3.2 Interest At agreed rate
4 Fixed Deposits
RO 1,000

AED 10,000
4.1 Minimum Deposit
USD 5,000

GBP 3,000

Interest On maturity At agreed rate

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Rate applicable for the

Interest Rate for Premature
4.2 period the deposit has
Withdrawal
run less 1%
5 Other Services
New card fee RO 1 p.a.
Visa Electron Card (for Annual fee RO 1
5.1
individual accounts)
Supplementary card
RO 2
issuance fee
For Technical Reasons Nil
Replacement
For lost / stolen / damaged RO 2
between bank account No Charges
for same client or child
account

between bank account for 500 Baizas

different clients 6

5.2 Standing Instructions RO 2

First time Creation
6
RO 1
ACH (Local)
RO 4.250
RTG (Local) 6
RO 5+ Other Bank
Outside the Bank (Foreign)
charges
If account operated for Nil
6
more than 1 year
5.3 Account Closure
If account closed within RO 3
6
1 year
Per Year (if account has
the prescribed minimum Nil 6
balance)
5.4 Dormant Accounts
Per Year (if account does RO 2 6
not have the minimum (RO 1 every 6
balance) months)
New card fee RO 2 p.a. 6
Najahi Debit Card for
5.5 Suplementary card issuance
Business Customer RO 2 per Annum
fee 6
Replacement For technical reasons Nil
Lost/Stolen/Damaged RO 2 6

LOAN PRODUCTS
6 Auto Loans, Housing Loan Baituna, Consumer Loans 6

Auto Loans
6
6.1 Interest As per agreed rate
6.2 Processing Fee RO 25
6
Deferment of loan Per request
6.3 N/A to Auto Loans
installment (Subject to HO approval)
6

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the Pre-payment of
has 6.4 outstanding loan On amount prepaid 1%
before due date
6.5 Change of Guarantor RO 25
On overdue amount and for
6.6 Overdue Interest 1%
overdue period only
Housing Loan Baituna

6.7 Interest As per agreed rate

6.8 Processing Fee RO 50

Deferment of loan Per request (Subject to HO

6.9
installments approval)

Pre-payment of
6.10 outstanding loan On amount prepaid 1%
before due date

6.11 Change of Guarantor RO 5

On overdue amount and for

6.12 Overdue Interest 1%
overdue period only
nk
Consumer Loans

6.13 Interest As per agreed rate

6.14 Processing Fee RO 25

Deferment of loan
6.15 RO 5
installments

Pre-payment of
6.16 outstanding loan On amount prepaid 1%
before due date

6.17 Change of Guarantor RO 5

m
6.18 Nil liability certificate RO 2

6.19 Rescheduling of loan RO 5

Variance confirmation
6.20 RO 2
certificate

Special waiver other

6.21 RO 5
te than Eid

6.22 Top up loan processing RO 5

ns
On overdue amount and for
6.23 Overdue Interest 1%
overdue period only

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No.

7 Credit Cards
visa Classic / Master Card
RO 10
Standard ( Primary)
Supplementary RO 5
Cash Advance Limit 100% 7
Visa Premier / Master Card
RO 15
Gold (Primary)
Supplementary RO 5

Cash Advance Limit 100%

Master Card Platinum RO100
Supplementary 0
7
Cash Advance Limit 100%
Master Card - Corporate-
RO 50
Executive

Cash Advance Limit 100% 7

Master Card - Corporate RO 30

7
Cash Advance Limit 100%
Master Card - Purchasing RO 100
7
Cash Advance Limit 0%
Najahi standard RO 50
7
Cash Advance Limit 50%
7.1 Annual Fee
RO 120 ( paid
Najahi Plus once when opening
7
account)
Cash Advance Limit 50%
Visa- Infinite (Primary) RO 120
Supplementary 35 8

Cash Advance Limit 100%

Zeinah Card ( Primary) RO 10
Supplementary RO 5
8
Cash Advance Limit 100%
bank muscat Oman Air Card 8
RO 15
(Primary)
Supplementary RO 5
8
Cash Advance Limit 50%
Visa Signature Credit Card
0
(Primary)
8
Supplementary RO 5
Cash Advance Limit 100%
8
Lulu Master Card Titanium
RO 10
( Primary) 8
Supplementary RO 5
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Cash Advance Limit 50%

Visa Infinite Private Banking
0
(Primary)
Supplementary 0
7.1 Annual Fee Cash Advance Limit 50%
Al Jawher Visa Platinum
RO 30
(Primary)
Supplementary RO 5
Cash Advance Limit 50%

Computed on the average

daily outstanding balance
7.2 Interest for the amount outstanding 1.5% p.m.
from the transaction
posting date until fully paid

Replacement (for
7.3 lost/stolen/ damaged RO 10
card)
3% or RO 3
7.4 Cash Advance Fee Per transaction
(Which ever is higher)
RO 5 (except for Lulu-
7.5 Late Payment Fee Charge per month bank muscat credit
card)
RO 5 (except for Lulu-
Irrespective of the
7.6 Over Credit Limit Fee bank muscat credit
overdrawn amount
card)
Per voucher (applicable
ng
7.7 Copy of Sales Voucher only to disputed RO 3
transactions)
8 Credit Administration

Registration of Legal
8.1 RO 25 only
Mortgage

Creation or Renewal of
RO 100
Commercial Mortgage
Release of Legal
RO 50
8.2 Mortgage
Release of Joint RO 25
8.3 per request for release
Registration of Shares of shares
RO 25
8.4 Pledge of Shares per request for pledge
of shares
Commensurate with
Facility Administration
the type and size of
8.5 Charges
the facility
Documentation
RO 250
8.6 Charges

Sanction of New 1% of Total amount.

8.7
Loans Minimum RO 250

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To be refunded in the event

8.8 In-Principle approvals RO 1000
facility is rejected
1
0.05%
Renewing of Working
8.9 of facility amount or
Capital Facilities
minimum RO 250
Sanction of New/
0.1% of facility
Enhancement in 1
8.10 amount or
Working Capital
minimum RO 250
Facilities
9 Purchase of items under collection
12% p.a. for 1
9.1 Interest
minimum 3 weeks
Actual courier charges
9.2 Postage
(minimum RO 10)
10 Charges for Transactions / Services
Issue of STL/Rollover
10.1 RO 10
of STL
1
Extension of due
10.2 dates of Term Loan RO 10
installments
TOD/Adhoc LC/LTR/ 1
Adv(O) 0.05% Subject to a
10.3
(sanctioned over & minimum of RO 50/-
above approved limits)

Interchangeability
10.4 RO 25
of limits

Interchangeability of
10.5 limits by group/related RO 25
company
Temporary release of
10.6 RO 10 Per release
securities
Delay in return of
the securities (after
10.7 a grace period of 1 RO 10 p.m. 1
month from agreed
date)
Permanent release of
10.8 RO 50
securities
Non submission of
RO 25 p.m. or part
10.9 audit reports by due
thereof
dates
Non submission of
contract progress
10.10 reports (project RO 10 p.m.
specific limits) by
agreed dates
Waiver of Standard
Security condition
10.11 RO 25 p.a.
(Valuation, Insurance
etc.)

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Delay in submission of
valuation report/copy
10.12 of insurance policy RO 10 p.m.
beyond the agreed
or
date
0
11 Remittances and Collections
y
11.1 Pay Order Commission RO 2
0 DD issued in foreign
RO 2
currencies
RO 3 +
11.2 Draft Stop payment Correspondent Bank
ks charges
ges RO 2
Cancellation
0) (at Bank’s buying rate)
RTGS (Local) RO 4.250
ACH (Local) RO 1
11.3 Outward Telex Charges Other Countries RO 5
“Charges our Payments” RO 15
Inquiries/Investigation Fees RO 15
11.4 Mail Transfer RO 1
oa
0/- INR Remittances to India RO 1.5

PHP & USD Remittances to

RO 1.5
Philippines

LKR Remittances to
RO 1.5
Srilanka
Speed Transfers
PKR Remittances to
RO 1.5
Pakistan

BDT Remittances to
RO 1.5
se Bangladesh

Inquiries/Investigation Fees RO 5

11.5 Inward Telex Transfer

Our Customer Fee NO CHARGE

NON BK Customer to
RO 5
Local BK
OMR Payment
art NON BK Customer to RO 10+Other bank
(VOSTRO)
Oversesas BK charges

Amendment RO 15

Cancelation RO 15

Our Customer Fee NO CHARGE

NON BK Customer to
RO 5
Local BK
FCY Payment
NON BK Customer to RO 10+Other bank
(NOSTRO)
Oversesas BK charges

Amendment RO 15

Cancelation RO 15

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12 Collections

HCH RO 1 1
Local
12.1 Cheques for collection RTGS RO 4.250

Other GCC Currencies RO 10

1
Vostro Cheque Our Customers Free
12.2
Payment Non Customers RO 5

Vostro in case returned 1

Our Customers RO 15
for insufficient
1
Direct Debit
12.3 Per Transaction RO 1 1
Arrangements

Finance Co. 1
Per Transaction As Agreed
12.4 Cheque Collection

GLOBAL TRADE SERVICES

1
13 Global Trade Services

13.1 Letter of Credit

1
13.2 Import L/C

0.125% per month 1

(Minimum period 3
13.3 Opening Commission Minimum
months)+ Swift charges
RO 20
1
Full RO 25

Swift Charges Brief RO 12

1
Postage RO 2

Gulf Countries RO 20
Courier Others RO 25
14 Amendments
1
Increase in amount - 0.125% p.m. 1
14.1
Commission Minimum RO 10
1
Swift RO 10

Postage RO 2 1

0.125% p.m.
14.2 Extension in Validity Commission
Minimum RO 10
1
Acceptance
2.5% p.a.
Local/Dubai Banks Commission 1
14.3 on tenor
1.5% p.a.
Other Countries
on tenor
Cancellation of Commission + swift charges
14.4 RO 10
Unutilised L/C (if any)

On negotiation covered
through other Banks. (LC 0.25% flat
14.5 Exchange Commission
opened by us but covered Minimum RO 10
through another Bank)

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Discrepant Documents
Actual out of pocket
14.6 Fee (payable by the USD 60
expenses (Swift cost, etc.)
0 beneficiary)

0.125% per month

14.7 Revolving L/C for every Renewal
Minimum RO 20
15 Export L/C
15.1 Advising L/C
15.2 Pre Advice Commission RO 10
15.3 Final Advice Commission RO 10

15.4 Advising Amendments

Commission RO 8
commission may vary (plus
Adding Confirmation or minus) depending upon
15.5
bank risk and country risk.
0.25% per quarter
15.6 Sight L/C Commission
Minimum RO 20
0.5% per quarter
nth 15.7 Usance L/C Commission
Minimum RO 20
0.25% flat instead of
Commission - minimum +
15.8 Transferable L/C 0.25%
actual cost
Minimum RO 50
Negotiation and
0.25% flat
15.9 Acceptance (Other Commission
Minimum RO 20
Banks)
Reimbursement
RO 15
Commission
16 Export Bills Discounting
16.1 Interest 10.75%
16.2 Commission Usance bills 0.25%
0
AGCC countries RO 20
16.3 Courier Charges
Others RO 25
16.4 Swift Charges RO 15
17 Collections
0
17.1 Documentary bills
0.125% flat
Sight
Minimum RO 10
17.2 Inward / outward
0.25% flat
Usance
Minimum RO 10
Swift charges RO 7
Postage RO 2
Reminder RO 2
Gulf RO 20
Courier
0 Others RO 25
Extension of LTR/
17.3 Adv (0) beyond the RO 5
due date
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18 Guarantees
Tender bonds (Bid 0.125%
18.1 Per month (Min. 3 months)
bonds) Minimum RO 20
0.125%
18.2 Performance bonds Per month (Min. 3 months) 1
Minimum RO 20
Advance Payment 1.5% p.a.
18.3 (Min. 3 months)
Guarantee Minimum RO 20
Payment & Financial 2.4% p.a.
18.4 Commission
Guarantees Minimum RO 20
Open Ended
18.5 Commission - additional 0.25% p.a.
Guarantees 1
(For missing Bill of Lading
Shipping Guarantees
18.6 & Airway Bills - Margin RO 10
& AWB Guarantees
100%)
Amendments to
18.7
Guarantees
Increase in amount
1.5% to 1
a. (As per Guarantee
2.5% p.a.
Type)
1
0.125% p.m.
b. Extension in validity
Minimum RO 10

Other amendments /
c. RO 10
additions
1
18.8 Settlement of Claims RO 10
Transmission of
18 .9 Guarantees to other
Banks
a. Air Mail RO 2 1
b. Swift - outside GCC (Minimum) RO 20

c. GCC countries (Minimum) RO 15

Gulf RO 20
d. Courier
Others RO 25

MISCELLANEOUS SPECIAL SERVICE

19 Misc. Special Services

Issuance of certificate
19.1 (No liability, Balance Per certificate RO 2
confirmation, etc.)

a. 0-6 months RO 1
Duplicate / Past
19.2 b. 6-12 months RO 3
Period of Statements
c. Over 12 months RO 5

Copies of Transaction
19.3 Proof/Paid Cheque

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a. Up to 1 year (Per voucher/cheque) RO 2

b. Over 1 year (Per voucher/cheque) RO 3

0
a. Providing RO 10
19.4 Credit/Other Reports
0 b. Obtaining RO 10

Reference Letters:
0
1- Standard letter RO 20/-
0
2- Letter for
registration issued to
19.5 PDO/Tender Board/ RO 50/-
Others

3- Letters indicating
our willingness to
consider project RO 100/-
facilities

19.6 Safe Deposit Lockers

19.7 Deposit (Refundable)

RO 100
0
a. Small (Branches) RO 50
(Head office) RO 150

b. Medium (Branches) RO 80
19.8 Charges per annum (Head office) RO 250

c. Large (Branches) RO 120

(Head office) RO 300

d. Extra Large (Branches) RO 150

Audit Balance
19.9 RO 15
Confirmation

20 Utility Bill Collection (OIFC, Ooredoo, etc.)

Payment through Call

Charges per bill Centre/ATM/Cash Deposit
Nil
Machine

Cash payment at the

Branch Counter

a. bank muscat Account

500 Baizas
Holders

b. Walk-in Customers RO 1

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21 ATM ATM Cash ATM Balance

Withdrawals Enquiry/Mini
Statement

Per a. Through bank Nil Nil

transaction muscat ATMs

b. Other Local Banks 100 Baizas 50 Baizas

ATMs ( Oman
Net)

c. other GCC Bank 800 Baizas 300 Baizas

ATMs (Gulf
Switch member
banks)

d. Other RO 1.5 Not Applicable

international Bak
ATMs (Non-Gulf
Switch member
banks)
22 Removing Individual RO 10
Name
from
Caution Corporate RO 20
List
23 Reference RO 10
Letters Per Letter
24 Credit Per Report + RO 10
Reports additional charges
incurred if any
25 Bulk Cash On Case to Case
Deposit basis
26 Service Providers

26.1 OIFC At Agreed Rate

26.2 Ooredoo At Agreed Rate

26.3 Ooredoo At Agreed Rate

Prepaid

26.4 American At Agreed Rate

Express

bank muscat reserves the right to change the charges at any given time.

For information/queries call the

bank muscat Call Centre: 24795555
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