Is my salary data safe?

Yes. The validator runs entirely in your browser no upload, no server, no logging. Open the network tab while you use it and you'll see nothing leaving the page.

Salary Information File the standardized format Omani banks use under the Wage Protection System (WPS) to process monthly payroll. It's typically a CSV or tab-separated file with 16 fields per employee.

What are the 16 fields in an Oman SIF file?

Salary Year, Salary Month, Employee ID Type (C for Civil ID or P for Passport), Employee ID, Employee Name, Bank Code, Account Number/IBAN, Salary Frequency (M/B), Working Days, Net Salary, Basic Salary, Extra Hours, Extra Income, Deductions, Social Security Deductions, and Notes. Every row must have exactly 16 fields separated by commas or tabs.

What is the IBAN format for Omani banks?

An Omani IBAN is always 23 characters: 'OM' + 2 check digits + 3-digit bank code + 16-digit account number. Ujoor verifies length, checksum, and recognizes all 22 Omani bank codes no manual lookup needed.

What if my file has an invalid Civil ID number?

Omani Civil IDs are typically 7–9 numeric digits with no leading zeros. Ujoor flags IDs with leading zeros, non-numeric characters, unusual lengths, or duplicates across rows each error points to the exact row so you can correct it before the bank does.

Why does my SIF file need UTF-8 encoding?

Arabic employee names and special characters require UTF-8 so the bank can read them correctly. If the file uses a different encoding (like ANSI or Windows-1256), Ujoor stops validation and tells you to re-save as UTF-8. Most Omani banks mandate UTF-8 anyway.

My file uses tabs instead of commas will that work?

Yes. Ujoor auto-detects commas or tabs, and accepts .csv or .txt. UTF-8 encoding is required (most banks mandate it anyway).

Can I validate bi-weekly salary files?

Yes. Ujoor supports both Monthly (M) and Bi-weekly (B) salary frequencies. The same file cannot mix both all rows must share one frequency. Ujoor flags any mixed-frequency file before you upload it.

Which banks does it support?

All banks that follow the Central Bank of Oman's SIF v4.1 spec. The validator checks your file against that specification, not against any single bank's proprietary quirks.

Does Ujoor work with Bank Muscat, NBO, Bank Dhofar, and Sohar International?

Yes. Ujoor validates against the Central Bank of Oman's SIF v4.1 specification, which every licensed bank follows Bank Muscat, NBO, Bank Dhofar, Sohar International, Oman Arab Bank, Ahli Bank, Bank Nizwa, Meethaq, Maisarah, Al Hilal, and all other 22 banks operating in Oman.

How is the Social Protection Fund (SPF) deduction calculated?

For Omani employees, SPF is 8% of gross salary, capped at a maximum of OMR 240 per month (8% of the OMR 3,000 salary cap). Expatriates contribute at different rates. Ujoor flags any row where the Social Security Deduction doesn't match the standard rate.

What is the minimum wage for Omani nationals in WPS files?

The minimum wage for full-time Omani nationals is OMR 325 per month. Ujoor warns you when a row falls below this so you can confirm the employee is part-time, on unpaid leave, or had deductions that explain the shortfall.

Is there a maximum deduction limit in Omani payroll?

Yes. Oman Labour Law caps deductions at 50% of an employee's gross pay. Ujoor warns when deductions exceed that limit a common cause of bank rejection and a potential labour-law violation. Add a note in the Notes field explaining the deduction if it's justified.

How do I fix a rejected SIF file?

Open the file in Ujoor and every rejection reason appears inline with the exact row, field, and rule. Fix each issue in place, then download a clean file. Most common causes: invalid IBAN, duplicate employee IDs, non-UTF-8 encoding, and salary math mismatches.

The validator stays free. Paid features (payroll generation, direct bank submission) are coming later they'll be optional and separate.

Home/Banks/Bank Dhofar

Banks

Bank Dhofar

Bank Dhofar processes WPS salary files using the bank code BDOFOMRU and Omani IBANs with the 040 segment. Ujoor runs the full Central Bank of Oman SIF v4.1 rule set over your file in the browser, so you find formatting and math errors before Bank Dhofar’s portal does.

IBAN prefix: OM__040

How to upload your SIF file to Bank Dhofar

Export the SIF as UTF-8 .csv or .txt from your payroll system one employer, one pay period.
Drop the file into Ujoor to validate locally.
Fix the flagged rows: IBAN length, Civil ID digits, salary math rounding.
Download the clean SIF once the summary is green.
Log in to Bank Dhofar Corporate Online Banking and choose the WPS / Bulk Salary upload option.
Upload the validated file, confirm totals, and approve payment.

Common reasons Bank Dhofar rejects SIF files

Bank code typed as BDOFOMRX (wrong last character) instead of BDOFOMRU.
Maisarah (Bank Dhofar’s Islamic window) accounts mixed in Maisarah uses BDOFOMRUMIB.
IBAN pasted without the 040 bank segment, or with a space after OM.
Rows duplicated for the same employee because payroll exported monthly and mid-month bonus in one file.
Deductions greater than 50% of gross pay without a justification in the Notes field.

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Drop your file. See every issue inline. Fix it and download a clean file all in your browser.

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