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Trade Financing
When your business involves imports and exports, efficient access to global markets and local expertise are essential to success. Improve your import transactions through direct links to worldwide trading networks with our global correspondent relationships.

Download Centre
Download application forms, terms and conditions and tariff rates.

Bill Payments
Pay your bills with i-Banking, FAST, ATM & Cash Deposit Machines (CDM) and at any Baiduri Bank Counters.

Contact Us
Our Baiduri Bank Representatives are committed to your satisfaction and personal convenience. They can be reached by email, at a local branch office, through the mail, and by phone.

Financial Planning
Manage your finances to achieve your goals, while taking into consideration obstacles and hurdles. Baiduri Bank uses a flexible, integrated system that will help you determine how to best reach your financial goals.

Retirement Planning
Retirement is one of the most important life events many of us will experience. For both personal and financial perspective, it is an extensive process that takes sensible planning and years of persistence. Managing your retirement is an ongoing responsibility that carries well into your golden years. To have a comfortable retirement, it takes a little homework, an attainable savings and investment plan, and a long-term commitment.

Early Financial Planning Tips for Students
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely.

4U Value Pack Features
Baiduri Student Benefits

0% Instalment Plan
Enjoy up to 24 months of affordable instalments at participating retail outlets in Brunei, absolutely interest-free! From home furnishing, electronics and smart phones to travel, you can now get closer to your heart's desires.

ATM and Branch Location
Find a Baiduri Branch or ATM near you

ATM Safety Awareness
Baiduri Banks's Automated Teller Machines (ATMs) provide for a convenient means to withdraw cash, make cash or cheque deposits, make bills, hire purchase and credit card payments, top up your mobile or prepaid electricity and much more. Read more about how you be safe while making transactions.

Automate Insurance Renewal
When your comprehensive Motor Vehicle Insurance and vehicle road tax is due for renewal, your whole world doesn't have to stop so you can deal with queues and paperwork under the hot weather. When taking up a Hire Purchase with Baiduri Finance, we try to make things easier for you. In fact, we'll do it for you!

Automated Teller Machine (ATM)
Baiduri has an extensive network of ATMs at over twenty locations throughout Brunei. Find one near you.

Baiduri American Express Classic Credit Card
The Baiduri American Classic Credit Card combine the convenience of local personalized customer service together with global recognition and benefits. Simply put, it is the card that adds value to your lifestyle and travel experiences.

Baiduri American Express Gold Credit Card
The Baiduri American Express Gold Credit Card combine the convenience of local personalized customer service together with global recognition and benefits. Simply put, it is the card that adds value to your lifestyle and travel experiences.

Baiduri Finance Fixed Deposit Account
You've worked very hard for your money. The million dollar question is ? is your money working hard enough for you? Accumulating money does not mean you're accumulating wealth. You need to put your money where it can better perform. So you can maximise the potential to create more wealth from a higher rate of return. You deserve more from your years of slogging through the 9 to 5. It's now time to let your money work smart ? in a Baiduri Finance Fixed Deposit account.

Baiduri MasterCard Business Platinum Card
Whether you have just started out or are a major player in the business environment, the Baiduri MasterCard Business Card provides you solutions to ensure your business transactions are carried out smoothly without further delay.

Baiduri MasterCard Business Standard Card
Whether you have just started out or are a major player in the business environment, the Baiduri MasterCard Business Card provides you solutions to ensure your business transactions are carried out smoothly without further delay.

Baiduri MasterCard CashCard
As a great alternative to cash, you can now load your funds into the MasterCard CashCard and use it for all the things you use cash for, such as shopping, bill payments, or everyday purchases online and offline. And with the choice of blue or red, you can choose the card design that best suits you.

Baiduri MasterCard Ladies Card
Because we understand the needs of modern Bruneian women, who have a unique lifestyle ? on that celebrates femininity, that is why the Baiduri Ladies Card is tailored with specific benefits and privileges for ladies in the know about the finer things in life.

Baiduri MasterCard Platinum Credit Card
MasterCard Credit Cards deliver the financial freedom that today's diverse priorities and lifestyles require. When used the right way, they offer exceptional benefits, rewards, services and spending power that can help make financial and personal dreams come true.

Baiduri MasterCard Platinum Debit Card
The MasterCard Platinum Debit Card is served as a Prestige Recognition Card, an ATM card and a Debit Card for Prestige members.

Baiduri MasterCard Platinum Ladies Card
Because we understand the needs of modern Bruneian women, who have a unique lifestyle ? on that celebrates femininity, that is why the Baiduri Ladies Card is tailored with specific benefits and privileges for ladies in the know about the finer things in life.

Baiduri MasterCard Standard Credit Card
MasterCard Credit Cards deliver the financial freedom that today's diverse priorities and lifestyles require. When used the right way, they offer exceptional benefits, rewards, services and spending power that can help make financial and personal dreams come true.

Baiduri Prestige
Baiduri Pretiges takes your definition of banking beyond the horizon with the highest level of banking service with rewards and recognition in Brunei and globally. We cater to offerings focused on exclusivity, service orientation and customer satisfaction.

Baiduri Smart Executive
Embark on a journey to discover new and exclusive privileges brought to you by Baiduri Smart Executive Programme.

Smart Executive Membership Cards
Your Baiduri Smart Executive membership comes with two payment cards Visa Platinum Credit card and MasterCard Premium Debit card that serve as membership cards, giving you instant recognition as a Smart Executive member.

Baiduri SME Programme
We present a comprehensive approach to providing assistance to your growing business. With our complete suite of Banking Services for more business efficiency, Business Support Services to achieve cost savings, Business Development Services to assist in financial management and Business Consultancy Services that offer guidance and support, we help ensure your business succeeds.

Baiduri Student Account
The only account you need locally and abroad. At Baiduri Bank, we understand that study life can be hectic and stressful, from cramping for exams or juggling tasks and assignments. We now have the 4u Value Pack carefully designed with the needs of students in mind. We provide you with the right products and services to help you with your needs and most importantly save!

Baiduri UnionPay Debit Card
From round-the-clock global recognition, rewards, exclusive privileges and discounts throughout the largest merchant base in Brunei, the Baiduri UnionPay Debit card is your perfect cash substitute anywhere in the world, giving you access to a world of cashless convenience.

Baiduri Visa Classic Credit Card
Whether you are starting out, starting over, or simply looking for the convenience of a Visa credit card, the Baiduri Visa credit cards are an ideal choice. You will enjoy the flexibility to make purchases, pay bills or get cash, plus earn points for purchases you make

Baiduri Visa Infinite Credit Card
Whether you are starting out, starting over, or simply looking for the convenience of a Visa credit card, the Baiduri Visa credit cards are an ideal choice. You will enjoy the flexibility to make purchases, pay bills or get cash, plus earn points for purchases you make.

Baiduri Visa Platinum Credit Card
Whether you are starting out, starting over, or simply looking for the convenience of a Visa credit card, the Baiduri Visa credit cards are an ideal choice. You will enjoy the flexibility to make purchases, pay bills or get cash, plus earn points for purchases you make.

Banker's Guarantee
As your financial partner, we offer a range of world-class, innovative banking products and services to help you manage your personal finances.

Bills Payment
Pay your bills with i-Banking, FAST, ATM & Cash Deposit Machines (CDM) and at any Baiduri Bank Counters.

Business i-Banking
Business i-Banking offers you the convenience of secure, user-friendly online banking, giving you more time to enjoy life.

Certificate of Deposit
A financial product commonly offered to consumers by banks. Such CDs are similar to savings accounts in that they are guaranteed by the issuing bank, thus practically risk free.

Cheque Deposit Box
Available at branches, the Cheque Deposit Boxes are an alternative way of depositing your cheques into an account.

Commercial Property Financing
As your financial partner, we offer a range of world-class, innovative banking products and services to help you manage your personal finances.

Current Account
Track and Manage your cash flow through the convenienece of issuing cheques

Day and Night Safe
Available at selected branches, the Day and Night Safe is a 24-hour depository service. You can make deposits for your business even if branches are closed.

Deposit Rates
Market Commentary, Foreign Exchange Rates, Foreign Currency, Deposit Rates, Twin Currency Deposit Rates.

E-Banking Centre
The Baiduri Bank e-Banking Centre is a dedicated resource centre for everyone who needs to find out more about Baiduri Bank's array of electronic channels facilities.

Education Loan
A good education is the key to success in today's competitive world. However, education is also expensive, and you may need to consider the costs of tuition fee, accommodation, books and supplies, travel and other living expenses. So, take advantage of our Education Loan to finance your further studies. Whether you are pursuing a first degree or a professional qualification, we will help you achieve your goals.

Education Planning
The cost of higher education is increasing by leaps and bounds. The need for access to higher education and the cost required will put a financial strain on you and your family.

Exchange Rates
Get updates on Foreign Exchange Rates

Financial Health Check - English
We have Personal Financial Planners who can assist you with financial planning.Please visit any of our nearest branches for a free financial health check.

Financial Health Check - Malay
We have Personal Financial Planners who can assist you with financial planning.Please visit any of our nearest branches for a free financial health check.

Fixed Deposit
Invest and earn more interest than a regular savings account

Foreign Currency Savings
An investment that suits the moderate investor. It offers an interest rate that is better than the BND Savings Account and BND Term Deposit Account.

Gap Analysis
A Retirement Gap analysis investigates an individual expected retirement income streams.

Hire Purchase Vehicle Financing
With the most competitive interest rate and most flexible repayment periods in town, Baiduri Hire Purchase Vehicle Financing works for you. So you can enjoy your new ride free of worries.

Home Ownership Loan
With our Home Ownership Loan, building your home is not as difficult as it seems. Our low interest rates and personalized repayment periods allow you to easily turn your dream home into an affordable, hassle-free reality.

Home Refinancing Loan
With our Home Refinancing Loan, enjoy low interest rates on your monthly payments. This gives you the flexibility to use your finances in so many other ways, and allows you to save at the same time.

Home Renovation Loan
Finally gotten hold of your dream home but it still needs some work? From extending the garage, installing light fittings, tiles and cupboards or renovating the kitchen? Baiduri Bank can provide you with simple and straightforward solutions to bring you one step closer to living in your dream home.

How much will I need for retirement
Use Baiduri Bank ""Retirement Needs For Your Future"" to calculate the amount require for your retirement.

Instant Card Issuance
Instant card issuance and personalization allows the Bank to issue new cards, and/or replace lost, stolen or damaged cards immediately

Instant Rewards Program
Everybody loves to be rewarded. And when you have the Baiduri Instant Rewards Card, the rewards are endless. That's because you can redeem your dream rewards any time you desire, from any participating Baiduri merchant nationwide.

Insurance planning
Whether your aim is to protect your income, your life or your home, it is important to ensure that you are adequately insured. This can save you from finances that you are not able to cope with an unexpected event or unfortunate accident. You can work hard to provide food and shelter, and accumulate wealth, but these things should not be left to chance.

Investment planning
Whatever it is you want to achieve in life, you will need a financial plan to fall back on. You should have a goal in mind. Here at Baiduri Bank, we can assist you plan for your future

Letter of Credit
This is granted in the form of overdraft and Letter of Credit / Trust Receipt Loans to finance the working capital requirement of the business.

Life Insurance
An effective savings tool to help you realize your dreams and aspirations whether it is for further education, an exotic vacation or to retire comfortably with the assurance that you are financially secure.

Mortgage & Construction Loans
As your financial partner, we offer a range of world-class, innovative banking products and services to help you manage your personal finances.

Multi-rate Savings Account
Assign your salary & enjoy growing your savings with our Multi Rate Savings Account and enjoy incremental rates of up to 1.75%.

Online Security Tips
It is important to take precautions in order to protect you and your money to minimize these risks. Find out how.

Passbook Savings Account
Keep track of funds and conduct your everyday banking with a savings account. Aside from saving and maintaining your income, you get security and peace of mind compared to handling physical cash. You also have the ease and convenience of accessing your funds in case of emergencies.

Personal Financial Planner
A Personal Financial Planner is a qualified wealth management professional who brings the right knowledge, expertise and guidance to identify and help you achieve your specific financial goals.

Personal i-Banking (APP)
Imagine if you can avoid those queues when paying your bills, or never running out of your prepaid top-up ever again. With our Personal i-Banking Mobile App we give you the comfort of managing your finances while on the go, so you'll have more time to truly focus and enjoy what matters to you most.

Personal i-Banking (Online)
Personal i-Banking offers you the convenience of secure, user-friendly online banking, giving you more time to enjoy life.

Personal Loan
Life can be unpredictable, and your plans to fulfill your dreams may be waylaid by unexpected financial needs. Sometimes, all you need is that extra help to reach your goals in life. We understand this and also know that you need a loan with a flexible repayment scheme and low interest. With Baiduri Personal Loan, all your goals are that much nearer.

Personal Overdraft
Financing of up to 12 times your monthly gross salary.

Prepaid Top-Up
Convenient ways to top up your prepaid mobile phone credit or electricity meters

Privileges Beauty
The Baiduri card is your gateway to Beauty benefits and privileges.

Privileges Food & Beverages
Enjoy priviledges and benefits on Food & Beverage with the Baiduri Card

Privileges Lifestyle
A host of Lifestyle priviledges await you with the Baiduri Card.

Privileges Tech & Gadgets
Stay ahead of the curve with Tech & Gadgets priviledges with the Baiduri Card.

Property Investment Loan
Get the funding for your property investment plans through our Property Investment Loan. Our competitive yet flexible refinancing packages give you low interest rates which let you save on your monthly repayments.

Retirement Planning Calculation
Get the funding for your property investment plans through our Property Investment Loan. Our competitive yet flexible refinancing packages give you low interest rates which let you save on your monthly repayments

Risk Profile Assessment
Fill in this questionnaire to help determine your attitude towards risk and investing.

Royal Brunei American Express Classic Card
The Royal Brunei American Express Classic card from Baiduri is your passport to an exciting range of privileges that includes free flights to all Royal Brunei Airlines destinations as rewards for your card spending.

Royal Brunei American Express Gold Card
The Royal Brunei American Express Gold card from Baiduri is your passport to an exciting range of privileges that includes free flights to all Royal Brunei Airlines destinations as rewards for your card spending.

Savings Plan
You may wonder why some make a big deal to save money. If you have enough for everything you need such as your food, rent, utilities, overhead expenses and the occasional shopping spree, why should you worry about putting anything aside each month?

Secure Online Payment Service
Enjoy peace of mind when shopping online with your Baiduri Visa and MasterCard credit, debit and prepaid cards.

SME Financing
As your financial partner, we offer a range of world-class, innovative banking products and services to help you manage your personal finances.

Standard Settlement List
Standard settlement instructions for foreign exchange, money market, SWAP and commercial payments

Start Planning Today!
Careful planning is important. The key is to set priorities and work steadily towards long-term goals, e.g. buying a home, saving for your child's education or planning for your retirement.

Stock Market Commentary
Get updates in the latest news in the stock market.

Stockyard Location Map
Locate the Stockyard location with this map

Structured Deposit
A financial product commonly offered to consumers by banks. Such structured deposits are a combination of a savings account and a structured investment where capital is guaranteed by the issuing bank. They are different from savings accounts in that the Structured Deposit returns depend usually on the performance of an underlying financial instrument.

Swift Code
Find out Baiduri Bank's SWIFT Code

Telegraphic Transfer
Life can be unpredictable, and your plans to fulfill your dreams may be waylaid by unexpected financial needs. Sometimes, all you need is that extra help to reach your goals in life. We understand this and also know that you need a loan with a flexible repayment scheme and low interest. With Baiduri Personal Loan, all your goals are that much nearer.

The Empire Visa Infinite Credit Card
Welcome to an exciting world of infinite possibilities. Available to a select group only, The Empire Visa Infinite Credit Card has been specially designed to meet your highest expectations where you will be immediately identified around the world as one of Visa's most prestigious cardholders and enjoy the unparalleled purchasing power, security, and convenience of a life without limits.

Troubleshooting and to Bridge the Retirement Gap
Troubleshooting and to bridge the retirement gap

Trust Receipt Loans
Trust Receipt Loans are granted in the form of overdraft and Letter of Credit / Trust Receipt Loans to finance the working capital requirement of the business.

Twin Currency Deposit
Attractive returns within your reach with just a few simple steps

Unit Trust
Unit Trusts

Western Union English
A Trusted Name, Now A Trusted Partnership. One of the most trusted names in Negara Brunei Darussalam, Baiduri Bank now offers you even more through our new partnership with Western Union, one of the most trusted remittance networks in the world.

Western Union Malay
A Trusted Name, Now A Trusted Partnership. One of the most trusted names in Negara Brunei Darussalam, Baiduri Bank now offers you even more through our new partnership with Western Union, one of the most trusted remittance networks in the world.

Where will my money come from
Find out more about saving for retirement

Why do we need to plan for retirement
You would want to ensure that what you are saving is enough to support you until your older age in the event that you are not able to depend on other's support. Find out more here

For a Future You Can Bank On
"At the heart of Baiduri Bank, are true Bruneians. They are dedicated in helping individuals realize their dreams, companies build their businesses, and above all, committed to the development of Brunei. In our endeavour to grow and better serve our customers, we are seeking Citizens or Permanent Residents of Brunei Darussalam who share the same vision and goals as us: Bruneians who are looking for dynamic opportunities to grow and develop alongside our rapidly expanding bank. As your potential career partner, we offer you the environment and conditions that allow you to evolve individually, in a focused manner. "

Build Your Career With Us
Build your career with Brunei's leading bank. With a strong combination of local commitment and global expertise, the Baiduri Bank Group is acknowledged as one of the leading banks in the country with a track record of financial innovations and pioneering activities. In line with the Group's vision to continually increase the skills and competencies of the whole workforce, the Group seeks to build a quality team with the right skills and talents to meet our current and future needs. We are committed to the development of our staff.

Why You Should Join Baiduri Bank
Pay and rewards for all Baiduri Bank Group staff

Job Vacancies
Find the latest job vacancies in this section.

HOW TO APPLY for a Baiduri Career
Submit your application including a cover letter, curriculum vitae and a recent passport-sized photograph to:

Attn: HR Recruitment
Baiduri Bank Berhad
P.O. Box 2220
Bandar Seri Begawan BS8674
Brunei Darussalam"

Downloads for Baiduri Career
Download the career brochure and check out our five point checklist

Multi Tier Savings Account
Baiduri Finance Multi-Tier Savings Account is created to provide you with a wealth of interest gains. Finally, you can have the freedom of personal cash flow, yet be happy in the knowledge that your money is making you more money aggressively within a short period of time.

Tender Awards
Check out the latest tender awards here.

Baiduri Visa payWave Debit Card
Your everyday just got a whole lot simpler. Introducing the Baiduri Visa payWave debit card, the first in Brunei! Providing you with safer, faster and more convenient way to pay for your everyday purchases using contactless technology.

Accounts and Deposits
Save with Baiduri Bank. Whatever your financial goals, you'll find the right account at Baiduri Bank. We offer a variety of innovative banking products and financial services to help you manage your personal finances.

Savings Account
Keep track of your finances easily.

Early Financial Planning Tips for Students - Budgeting
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely

Early Financial Planning Tips for Students - Emergency Fund
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely

Early Financial Planning Tips for Students - Needs vs Wants
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely

Early Financial Planning Tips for Students - Positive Thinking
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely

Early Financial Planning Tips for Students - Helpful Tips on Savings
Do you have many hobbies and interests? Do you find yourself often left out of activities because you couldn't afford to participate? Do you find yourself broke in the middle of most months? There are simple things you can do to better manage and optimize your wealth and lifestyle. It's never too late to start learning how to spend wisely

Student Account FAQ
Frequently Asked Questions for Baiduri Student Account - 4U Value Pack

Accounts and Deposits - At a Glance
Choose what best suits you! Compare what each account offers and choose the account that best suits your needs and requirements.

Documents Required for Opening Personal Accounts
Documents required for Opening Personal Accounts

Documents Required for Opening Company Accounts
Documents required for Opening Company Accounts

General Tariffs
General Tariffs for Personal and Company Accounts

Wealth Management Products
Explore our variety of products and services that have been designed to help you save as well as grow your wealth.

Gap Analysis Online Form
Gap Analysis Online Form

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