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E-CHANNELS >> b.DIGITAL PERSONAL

FREQUENTLY ASKED QUESTIONS

About Baiduri b.Digital Personal

What is Baiduri b.Digital Personal?

It is our upgraded online banking platform which includes the web (desktop) version as well as the mobile app. It also includes a new Lifestyle section where you can stay up-to-date with our Promotions and enjoy great eCoupon deals.

What can I do on Baiduri b.Digital Personal?

Some of the key features include:

  • Fund Transfers (within Baiduri, other banks and abroad)
  • Bill Payments
  • Top Up (Prepaid mobile credits, electricity etc)
  • Lifestyle (purchase eCoupons for yourself or as a gift to others)
  • Service Requests (e.g. cheque book requests)
  • Financial Tools (Loan and Financial Planning Calculators, Exchange Rates, Deposit Rates)

What do I need to access Baiduri b.Digital Personal?

To access the web version, you will need to have one of the internet browsers below:

  • Chrome 13.0 and above
  • Mozilla Firefox 3.6 and above
  • Safari 5.0 and above
  • Internet Explorer 9 and above

To use Baiduri b.Digital Personal mobile app, you will need one of the following minimum operating systems on your mobile device:

  • iOS OS: Version iOS 11 and above
  • Android OS: Version 4.4 and above

Is Baiduri b.Digital Personal secure?

With security features such as Push Notifications, Soft Token, mPIN and Biometric login, you can be assured that your account details and transactions are protected. In addition, we use the industry standard 128-bit strong SSL encryption to protect your confidential data. An automatic timeout feature will ensure you are logged out when your account is idle for more than five (5) minutes.

Can I use the mobile app on more than one device?

No. For security reasons, you can only use the app on one mobile device. If you wish to switch your mobile device, you will need to de-register the app from your existing device and re-register it on your new device.

To de-register, select De-register under Settings in Baiduri b.Digital Personal Mobile App.

Click here to watch the video tutorial.

Who can apply for Baiduri b.Digital Personal?

You need to be at least 15 years old and maintain at least one of the following products with Baiduri Bank Group:

  • Baiduri Bank Passbook Savings Account
  • Baiduri Bank Statement Savings Account
  • Baiduri Bank Current Account
  • Baiduri Bank 1-Account
  • Baiduri Finance Multi-Tier Savings Account
  • Baiduri Finance Multi-Rate Savings Account
  • Baiduri Credit Card
  • Baiduri Mastercard CashCard (for viewing online card statements only)

Note: Applicants below 18 years of age will require an indemnity agreement to be signed by their parent or guardian to open the account stated above in order to access b.Digital Personal.

Im not a Baiduri customer. Can I register for Baiduri b.Digital Personal? What would I be able to access?

Yes. You will be able to register for the mobile app through your Facebook or Twitter account. You will only be able to view details on Promotions, Baiduri Exclusives and eCoupons on the app. If you receive an eCoupon as a gift, you will also be able to redeem it using the app.

What if I encounter difficulty in using Baiduri b.Digital Personal?

If you encounter any issues, call our 24-hour Customer Helpline on 244 9666 or email [email protected].

What do I do if I lose my mobile device where the app is installed?

Please call our 24-hour Customer Helpline at 244 9666 to inform that you have lost your mobile device and we will disable the access to your Baiduri b.Digital Personal account.

Can I access b.Digital Personal Mobile App overseas?

You have to ensure that first-time registration for Baiduri b.Digital Personal is done with your registered mobile number in our system. Thereafter, you may access the service (web and mobile app) overseas so long as you have stable internet connection.

Registration

For New Users

How do I register for Baiduri b.Digital Personal Mobile App?

  • Download Baiduri b.Digital Personal Mobile App from Google Play Store or App Store.
  • Tap on “Register”.
  • Choose to register using Account, Card or Hire Purchase details. Once your preferred method of registration is selected, a One-Time PIN (OTP) will be sent to your registered mobile number. Enter the OTP.
  • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
  • Upon successful OTP authentication, you will be prompted to create your Display Name.
  • Click “I agree” to accept the Terms and Conditions.
  • Create and reconfirm your 6-digit mPIN to login.

How do I register for Baiduri b.Digital Personal web version?

  • Download Baiduri b.Digital Personal Mobile App from Google Play Store or App Store and register in the app (see Q9 above for steps).
  • Go to www.baiduri.com and click on Baiduri b.Digital Personal login button
  • On the login page, click “Register”.
  • Choose to register via Account, Card or Hire Purchase details. Once your preferred method of registration is selected, a One-Time PIN (OTP) will be sent to your registered mobile number .Enter the OTP.
  • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
  • Upon successful OTP authentication, the Terms and Conditions page will appear. Click “I agree” to accept.
  • Create your new User ID and Password. Password should contain at least one uppercase, one lowercase, one number and one special character.
  • Upon successfully creation of your User ID and Password, you will need to sign on to the mobile app to activate your Soft Token.

For Existing Baiduri Personal i-Banking User

How do I log in via Baiduri b.Digital Personal Mobile App?

  • Download Baiduri b.Digital Personal Mobile App from Google Play Store or App Store.
  • Tap on “Sign In”.
  • Enter your existing User ID and Password.
  • Enter the One-Time PIN (OTP) that is sent to your registered mobile number.
  • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
  • Upon successful OTP authentication, you will be prompted to create your Display Name.
  • The Terms and Conditions page will appear on the screen. Click “I agree” to accept.
  • Create and reconfirm 6-digit mPIN to login.

How do I login to Baiduri b.Digital Personal web version for the first time?

  • Go to www.baiduri.com and click on Baiduri b.Digital Personal login button
  • Enter your existing User ID and Password and click “Continue”.
  • Enter the One-Time PIN (OTP) that is sent to your registered mobile number.
  • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
  • Upon successful OTP authentication, the Terms and Conditions page will appear. Click “I agree” to accept.
  • Create your new User ID and Password. Password should contain at least one uppercase, one lowercase, one number and one special character.
  • Upon successfully creation of your User ID and Password, you will be prompted to register on Baiduri b.Digital Personal mobile app if you have not done so.

I am not able to register using my existing User ID and Password. What shall I do?

Please call our 24-hour Customer Helpline on 244 9666 or email [email protected] for assistance.

Do I have to register for Baiduri b.Digital Personal Mobile App? What if I am not planning to use the app at all?

Our new platforms use Soft Token, a digital key stored on Baiduri b.Digital Personal Mobile App, instead of the physical token (dongle) for authentication. In order to activate the Soft Token, you must install and register for the mobile app. When you register for the app, the Soft Token feature will be automatically activated.

Do I still need to register for the web version of Baiduri b.Digital Personal if I have already registered for the mobile app?

No. During the registration process for the app, you will be prompted to create a password for Baiduri b.Digital Personal web version so there is no need to do it separately.

Is there a maximum number of login attempts allowed?

Your access to Baiduri b.Digital Personal service will be blocked after 5 unsuccessful consecutive login attempts. You will be asked to reset your password.

Authorization Methods

What is a Soft Token?

A Soft Token is a digital key stored on Baiduri b.Digital Personal Mobile App. It works in the same way as the physical token (dongle) to generate a secure code to authenticate selected transactions such as Fund Transfers, Bill Payments and Top Ups performed on the web version. This is a security feature to ensure your account and transactions are protected.

I managed to login successfully on my mobile device, but when I tried to login on the website, an error message Invalid Securecode appears. What should I do?

For iPhone:

  • Go to 'Settings'> 'General' > ‘Date & Time’
  • Turn on ‘Set Automatically’ to enable Soft Token to be generated

For Android:

  • Go to ‘Settings’ > ‘Date & Time’
  • Turn on ‘Set Automatically’ to enable Soft Token to be generated

I tapped on Soft Token on the app but no number appears. What should I do?

You will need to delete and reinstall the app.

What does Push Notification Mobile Online and Soft Token Mobile Offline mean?

These are two different options to authenticate your online transactions. Your choice would depend on your preferences and circumstances.

Push Notification Mobile Online is suitable if your mobile device is connected to a stable data or wi-fi network. Please ensure that "Push Notification" is enabled for b.Digital Personal Mobile.

Soft Token Mobile Offline is suitable when you are not able to connect your mobile device to any data or wifi network.

What is the mPIN?

mPIN (or Mobile Personal Identification Number) is a PIN that you will need to create in order to login to Baiduri b.Digital Personal Mobile App. The mPIN is also used to authorize transactions performed on Baiduri b.Digital Personal Mobile App.

What should I do if I forget my password or mPIN?

You can reset your passwords through the Forgot Password functions on both platforms.

What should I do if I enter the incorrect mPIN 5 times or more?

Tap Forgot mPIN on the pre-login screen to reset.

Transactions and Payments

Will I be charged for using the Multiple Transaction service function?

Fund Transfers within Baiduri Bank and all Bill Payment services are free of charge. However, charges apply for Fund Transfers to other local and overseas banks. Refer to Baiduri Bank's General Tariffs

https://www.baiduri.com.bn/documents/general_tariffs_for_personal_account.pdf

Why do some of my multiple transactions fail?

This could be due to insufficient funds in your account. Or you could have exceeded your daily default limit. You will be able to change your daily default limit by selecting Settings > Change Daily Limit.

Can I set a future date or scheduled instruction for my bill payment and fund transfer?

Yes. Please note that fees are applicable.

Alternatively, you can use the free Pay Later feature, where you can select a later date for one-off Bill Payment, Fund Transfer or Prepaid Top Up.

For all future-dated transfers or payments, please ensure that there are sufficient funds in your account when payments are due.

What happens if my network is disconnected while performing the transactions?

This could be due to the following reasons:

  • You are not using the recommended hardware, browser software or operating system.
  • Technical problems with the Internet Service Provider, Local Area Network or our system.

Why do I sometimes experience slow response while using Baiduri b.Digital Personal?

If the network gets disconnected before a transaction is completed, the transaction will not be processed.

How far back can I view my Transaction History?

You can view up to one month of transaction history. However, you will be able to download your transaction statements for the last six months.

Fund Transfers

Will I be charged for making a Fund Transfer?

Fund Transfers within Baiduri Bank are free. However, charges apply for Fund Transfers to other local and overseas banks.

What is the cut-off time for Fund Transfers?

Cut-off time for Fund Tranfers to other local banks are as follows:

  • ACH type of fund transfers: 12:00pm (Monday to Friday)
  • RTGS type of fund transfers: 12:00pm (Monday to Friday)

Transfers made after the cut-off time will be processed the next working day.
For overseas transfers, the cut-off time is 11:00 am (Monday to Friday) for the same value date. Transfers made after this cut-off time will be processed the next working day. Our Terms and Conditions apply.

What is the maximum number of transactions I can make under Multiple Fund Transfers and Bill Payments?

You can make up to 5 Multiple Transactions at a time.

How do I add a new beneficiary?

  • Go to Manage Beneficiary
  • Select “New - Add Beneficiary”
  • Choose Within Bank, To Local Bank or To Abroad Bank
  • Enter the required details

Bill Payments

Does Bill Payment function incur service charges?

No. Bill Payment service is free.

Can I pay my bill using cards issued by other banks?

No. You can only pay your bills with your Baiduri Debit or Credit Card.

Can I pay for my Hire Purchase using cards issued by other banks?

No. You can only pay for Hire Purchase with your Baiduri Debit Card, your Baiduri Mastercard Auto Direct Prepaid Card or your Baiduri account.

How far back can I view my Payment History?

You can retrieve up to three (3) months of your payment history or a maximum of 50 transactions.

Other Features

Quick Balance

What is the Quick Balance feature?

This is a feature in Baiduri b.Digital Personal Mobile App which allows you to view your latest balance of your designated account. If you have more than one savings account, you will need to choose ONE to be tied to this feature.

How do I enable the Quick Balance feature?

Go to Settings > Enroll Quick Balance > Submit. Enter your mPIN when prompted and you will receive a notification once this feature is enabled.

How do I disable this feature when I want to?

In the mobile app, go to Settings > Enroll Quick Balance > Select whether to Enable or Disable.

Savings Goal

What is the Savings Goal feature?

This feature is only available on the web version. It allows you to set a savings goal and monitor your progress.

eCoupons

What are eCoupons?

eCoupons are digital coupons available on Baiduri b.Digital Personal Mobile App under the Lifestyle Offers section that allows you to redeem attractive deals at participating merchant outlets across Brunei.

How does eCoupon work?

eCoupons can be purchased through the mobile app using Baiduri Credit Cards. You can also choose to send it as a gift to anyone who downloads the mobile app. If the recipient is not a Baiduri customer, he or she will need to register for the app using Facebook or Twitter account.

How do I redeem eCoupons?

At the merchant point-of-sale, scan the QR code displayed with the QR code scanner within the eCoupon that you have purchased.

Can I send an eCoupon as a gift to my friend?

Your friend will get an email notification that he has been gifted an eCoupon. If he is not a Baiduri b.Digital Personal Mobile App user yet, he will need to register with the App in order to accept the eCoupon. Redemption details will be provided in the notification email.

How will the eCoupons be reflected on our Card Statements?

Your transactions will reflect on your statements as E-COUPON PURCHASE.

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