Simulation mode · test money only
Every money experience, in one calm place.
Wallet, cards, bills, international transfers, partner banking, business tools and merchant payments — built with bank-grade controls from the first line.
- Two-person approvals
- Tamper-evident audit trail
- Simulation only — no real money
- Built for accessibility
Everything Oro Bank does
Wallet
Send, receive and track your money
A clear wallet that shows what you have and where it went.
- Live balances and statements
- Instant transfers to other users
- Payment requests and checkouts
- Every payment sent exactly once
Cards
Cards you stay in control of
Virtual and physical cards with controls in your hand.
- Freeze and unfreeze in a tap
- Spending controls and card history
- Full card numbers never stored by us
Bills & agents
Pay bills and get cash nearby
A network of trusted local agents for cash in and cash out.
- Pay utility and other bills
- Cash withdrawal with one-time codes
- Codes expire in minutes and work only once
International
Send money abroad clearly
Know the cost and the rate before you send.
- Clear quotes before you confirm
- Saved recipients kept private and masked
- Tracked from start to delivery
Digital banking
Bank accounts with a partner bank
Accounts held by a licensed partner bank, managed in Oro Bank.
- Account opening online
- Saved payees and standing orders
- Consents you can view and withdraw
Business
Business banking built for teams
Run company money with the right people involved.
- Two-person approval for payments
- Bulk payment lists and salaries
- Invoices and expense claims
Merchants
Accept payments anywhere
A payment gateway for shops and online stores.
- Checkouts, payment links and QR
- Refunds and daily settlements
- Developer keys and signed notifications
Security & privacy
Protected at every step
Strong sign-in and full control over your data.
- Two-step sign-in and passkeys
- See and end your signed-in devices
- Privacy centre for your data
- Photos shrunk without quality loss, location removed
Fraud & compliance
Fraud caught before it costs you
Checks run quietly in the background to keep accounts safe.
- Fraud detection on every payment
- Identity and business verification
- Ongoing activity monitoring
Save & Grow
Save towards the goals that matter
Set a goal, add to it when you like, and watch it grow.
- Separate pocket for every goal
- One-off or regular contributions
- Clear progress at a glance
Finance & Flex
Pay over time, without surprises
Instalment plans and buy-now-pay-later with the full cost shown first.
- Every offer explained before you agree
- Each application reviewed by a person
- Plans and schedules always visible
Protect & Cover
Takaful cover for you and your family
Shariah-compliant protection from approved Takaful operators.
- Takaful plans only
- Clear terms you can keep
- Claims and requests tracked in one place
Family Circle
Plan money together as a family
Share what you choose, budget together and teach good money habits.
- Invite family with clear permissions
- Shared budgets and allowances
- You decide what others can see
Global Connect
Receive money from abroad
For families, freelancers and exporters receiving money from overseas.
- Track incoming money step by step
- Documents for freelance and export earnings
- Costs explained before you send
Oro Hub
Everyday services in one place
Book, order and pay for services from trusted providers.
- Travel, shopping, education and more
- Pay securely through your wallet
- Order status at every step
Oro Rewards
Get rewarded for paying with Oro
Earn points when you pay at shops with QR.
- Points for every eligible payment
- Clear expiry dates
- Redeem for treats from partners
Oro Care
Help from real people, fast
Raise a concern, follow its progress and get a clear answer.
- Track every case with a reference
- Disputes linked to your own payments
- Clear escalation routes if you're unhappy
Your Assistant
A helper that answers, never spends
Ask about your accounts, cards or help cases in plain words.
- Looks up — never moves money
- Shows only your own information
- Points you to urgent help fast
For our team
Command Center and analytics
Staff tools that keep service fast and accountable.
- One work queue for every decision
- Live cases, reviews and incidents
- Reports from real records only
Try Oro Bank with test money
Everything here runs in simulation, so you can explore safely.
Get started