Oman has no personal income tax, but you still need a clean income record. BankDhofar mixes client transfers with personal spend in one account. Extract them to Excel in seconds.
Convert your BankDhofar statementOman's freelance and gig economy runs through bank accounts, and BankDhofar — Oman's second-largest bank by branches, with strong roots in the Dhofar region — is a common relationship for self-employed Omanis and residents in the south. Client payments arrive as inbound transfers and SWIFT wires alongside personal spending, salary-channel credits for those with side work, and OmanNet POS purchases. Separating business income from personal spending is the first bottleneck.
Oman has no personal income tax, so freelancers do not file an income return. But you still need a clean income record — for a loan application, a visa or residency renewal, a corporate-tax filing if you operate through a company, or to reconcile against invoices. The converted spreadsheet lets you filter to inbound client transfers and export a clean CSV while keeping the original OMR amounts to three decimals.
BankDhofar issues a bilingual Arabic-English A4 PDF. Columns run: date, transaction reference, debit, credit, OMR balance at three decimals. Inbound client payments appear as transfers with a sender reference; SWIFT wires from foreign clients carry a sender BIC. OmanNet POS lines and ATM withdrawals are personal spend unless they relate to business costs.
If you hold a Maisarah Islamic window account alongside the conventional one, transactions from both can appear interleaved on the same statement with a product-type code per row. Kashfbank parses the account-type column so a Maisarah financing repayment is not mistaken for a business expense.
You want every inbound client payment isolated from personal spend, with the sender reference and original OMR amount preserved so each deposit can be matched to an invoice.
Bilingual Arabic-English A4 PDF. Columns: date, transaction reference, debit, credit, OMR balance (3 decimal places). Islamic window (Maisarah) transactions clearly differentiated with product-type code in narration. Account header: customer name, IBAN, account type (current/savings/Islamic), statement period.
| Label | Meaning |
|---|---|
| Maisarah Finance | Maisarah Islamic window repayment |
| SALARY | Salary credit |
| OmanNet | OmanNet domestic payment |
| TRF OUT | Outward transfer |
| ATM | ATM withdrawal |
Rules in Oman differ — see our country guide
Pull the period from BankDhofar Mobile
Open BankDhofar Mobile or the web portal and request the period you need — usually 6 or 12 months for an income record or a loan application. The bilingual Arabic-English PDF is read natively by Kashfbank.
Upload and confirm OMR precision
Drop the PDF into Kashfbank. OMR amounts use three decimal places (the baisa). The export preserves them exactly, including older statement templates that omit trailing zeros.
Filter to inbound client payments
Sort by the Category column to keep inbound transfers and SWIFT wires. Drop POS purchases, ATM withdrawals, and internal transfers unless they relate to business costs.
Export and match to invoices
Download as Excel or CSV. Each inbound row keeps its sender reference so you can match every client payment to the invoice it settled.
Common challenges
Does Kashfbank read BankDhofar's Arabic labels correctly?
Yes. BankDhofar statements are bilingual Arabic-English and Kashfbank keeps both on every row. The sender reference and SWIFT BIC stay on the same line as the transfer, which is what you need to match each deposit to an invoice.
Oman has no personal income tax. Why convert my statement at all?
Because you still need a clean income record for loan applications, residency renewals, invoice reconciliation, or a corporate-tax filing if you operate through a company. The export gives you a sortable, verifiable income history without retyping rows.
My foreign clients pay in USD. How does that appear?
Inbound SWIFT wires carry the sender BIC and the converted OMR amount BankDhofar applied. Kashfbank preserves both the original and the OMR figure so you can reconcile a USD invoice against the OMR credit.
I have a Maisarah Islamic account too. Will the export mix it up?
No. When both account types appear on one statement, BankDhofar tags each row with a product-type code. Kashfbank parses that per row so Maisarah financing repayments are not counted as income or as a business expense.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
Regulator: Central Bank of Oman (CBO)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English