FAQs - Resources | Baiduri Bank

ABOUT BAIDURI CAPITAL
Who is Baiduri Capital?
Baiduri Capital Sdn Bhd is a licensed entity wholly owned by Baiduri Bank and is part of the Baiduri Bank Group. Baiduri Capital is holding the Capital Markets Services License (CMSL) issued by Brunei Darussalam Central Bank (BDCB) under the Securities Markets Order, 2013. We offer a range of global investment services and is the first to offer Online Securities Trading in the Brunei market. Through its innovative online Securities Trading portal, you have the opportunity to invest in major stock markets including Singapore (SGX), Hong Kong (HKEx), Malaysia (Bursa Malaysia) and the US stock markets.
What does Baiduri Capital offer?
Baiduri Capital offers dealer-assisted and online securities trading. Our innovative and secure online trading portal allows you to obtain quotes, place orders and review your account status and balance anytime, anywhere. Additionally, you can also obtain company reports and research the companies you are interested in.

We also offer a range of other investment solutions to meet your needs, including unit trusts, Exchange Traded Funds (ETFs) and bonds.
Where is Baiduri Capital located?
The Baiduri Capital office is located at:

Unit LG.01, Baiduri Bank Headquarters
1 Jalan Gadong
Bandar Seri Begawan BA 1511
How do I contact Baiduri Capital?
Call: +673 226 8588
Email: [email protected]
What are Baiduri Capital's business hours?
Our business hours are:

Monday to Thursday: 9:00am – 5.00pm
Friday: 9:00am - 12:00pm and 2:00pm - 4:00pm
Saturday, Sunday and Public Holiday: Closed
GETTING STARTED
How do I get started with Baiduri Capital?
You will need to have an account with either Baiduri Bank or Baiduri Finance, please see below for types of accounts:

Baiduri Bank Savings account
Baiduri Bank Current account
Baiduri Finance Multi-Tier Savings Account
Baiduri Finance Multi-Rate Savings Account

*Product terms and conditions apply.

If you have any of the above accounts, you can start your investing journey with us. You are welcome to call or visit us during business hours for an obligation-free consultation.
How do I sign up to Baiduri Capital's products?
Clients who want to sign up for Baiduri Capital’s products should also arrange a meeting with Baiduri Capital. To schedule a meeting, please email us at [email protected] or call our helpline at 226 8588 during business hours.
Can I invest through Baiduri Capital if I am a U.S. resident/ U.S. Citizen?
Investment made through Baiduri Capital is only available to non-U.S. residents/citizens. You are required to notify Baiduri Capital should there are any changes in your residency/citizenship status.
How much is the initial or minimum deposit required to start investing with Baiduri Capital?
Generally, Baiduri Capital’s products require minimum starting amount of BND1,000. You may view our Tariffs page to see the minimum amount for each product
What is Client Profile Questionnaire?
The Client Profile Questionnaire is where you will be given sets of questions to answer to assess your risk appetite. This allows us to offer you products which match your risk appetite.
I am new to investments; can you provide recommendations?
We are unable to provide any recommendations, but we can explain the features and details of the investment. Once you have made your choices, we will proceed for action as per your request.
BAIDURI INVEST
INTRODUCTION
What is Baiduri Invest and what features does it offer to traders?
Baiduri Invest is a new, modern online trading platform provided by Baiduri Capital. It features an intuitive, customisable dashboard, sophisticated analytical tools, trading signals, market news, and more. Designed to enhance your trading experience, Baiduri Invest allows trading in equities and exchange traded funds (ETFs) across global exchanges. Its ease of use and flexibility make it suitable for both novice and experienced investors.
Which global exchanges can be accessed through Baiduri Invest?
Baiduri Invest provides access to major stock exchanges in the following countries:
Singapore: Singapore Exchange (SGX)
Malaysia: Bursa Malaysia
Hong Kong: Hong Kong Stock Exchange (HKSE)
China: China A-Shares (traded via the Shanghai Hong Kong Connect)
United States: New York Stock Exchange (NYSE), NYSE American and NASDAQ
When can I start using Baiduri Invest?
Baiduri Invest is available for immediate use. Both new and existing Baiduri Capital clients can start using this new platform right away.
How can I access Baiduri Invest platform?
You can access the new Baiduri Invest platform via a direct link sent to your email after receiving your login details, or through the login button on top-right of the Baiduri Capital website under ‘Securities Trading’.
Are there any fees associated with signing up for Baiduri Invest?
There are no fees associated with signing up for Baiduri Invest. Please note that BND 1,000 is required to open a trading account. For detailed information on fees and charges, please refer to our Trading Account Tariffs.
I cannot find my contract statement on Baiduri Invest. How can I view it?
You can download your contract statement from the Account Details section under the Workspace section and click “Account Statement” tab in Baiduri Invest.
What are the trading hours of Foreign Stock Exchanges?
Countries
Exchanges
Trading Hours (Brunei Time)
Singapore
Singapore Exchanges (SGX)
9:00am – 5:00pm
Hong Kong
Hong Kong Stock Exchange (HKEx)
Morning Session: 9:00am – 12:00pm
Afternoon Session: 1:00pm – 4:00pm

Malaysia
Bursa Malaysia
Morning Session: 9:00am – 12:30pm
Afternoon Session: 2:30pm – 4:45pm

China A Shares
SSE-A VIA SH-HK Stock Connect
Morning Session: 9:00am – 11:30pm
Afternoon Session: 1:00pm – 3:00pm

United States
NASDAQ, NYSE American, NYSE
10:30pm – 5:00am
9:30pm – 4:00am (During Daylight Saving Time*)

*Daylight Saving Time starts on the second Sunday of March to the first Sunday of November
What currency will be used to trade?
When you are placing a buy or sell trade in respective stock exchanges, it will settle in respective currencies. If your account balance in the respective currency is insufficient to settle, the trade will not go through. Please convert the amount before you place any buy trades using the Request function.
How do I top-up my Baiduri Invest account?
These are the options that you can choose from:

Call our dealers directly during business hours at +673 226 8588.
Email us at [email protected] using your registered email with us.
Walk-in to Baiduri Capital during business hours. Ensure to bring identification documents.

Cut-off time is at 11am.
When will my top-up amount be reflected in Baiduri Invest?
If your request is made before cut-off time, your top-up amount will be reflected the same day in the afternoon. Otherwise, it will be reflected next business days.
From which Baiduri Bank or Baiduri Finance account will the top up amount be deducted from?
It will be deducted from the Baiduri Bank or Baiduri Finance account that you registered with us. To ensure top ups proceed seamlessly, please make sure that amount that you wish to top-up is available in the account.
Can I choose the account that I wish to deduct from?
Yes, you may. However, it is preferable to use the account that is registered with us.

Should you wish request to change the account to deduct from, a physical instruction form will need to be signed. Kindly contact us at +673 226 8588 during business hours.

Please take note that we do not allow deduction from any other local or overseas banks.
How do I request for a withdrawal from Baiduri Invest?
These are the options that you can choose from:

Call our dealers directly during business hours at +673 226 8588
Email us at [email protected] using your registered email with us
Walk-in to Baiduri Capital during business hours.
When will the withdrawn funds be credited into my Baiduri Bank or Baiduri Finance account?
The funds will be credited into your account within 2 business days after the date of your transaction.
What is the minimum top-up / withdrawal for USD?
The minimum amount is USD5,000. Kindly ensure that you have linked your USD Baiduri Bank account number with Baiduri Capital. The amount should reflect after two (2) working days (for withdrawal only).
I would like to withdraw my foreign currency amount in Baiduri Invest. However, I only have BND account with Baiduri Bank or Baiduri Finance. Can I proceed with the withdrawal?
Please convert the amount to SGD through Baiduri Invest before you request for withdrawal.
How do I reset my account?
Please be aware that your account will be locked after multiple attempts. Kindly click on “Forgot Password” button and input your username. As for the email address, please use [email protected] (not your personal email). Complete CAPTCHA and select OK.

You will be required to enter the One Time Pin (OTP) sent to your email or phone number registered with us and follow the instructions to reset your password.
How do I check my cash balances?
Please check the cash or fund available in your Baiduri Invest at Account Details > Account Summary. Under Account details, you may change “All Cash Equity Summary” to SGD and the currency to SGD. Please select the currency accordingly if you wish to check on your other currency balance.
How do I submit an order?
These are the options that you can choose from:

You can place your order via the Baiduri Invest.
Call our dealers directly during business hours at +673 226 8588.

Please note that dealer-assisted trades will incur additional charges, refer to our Tariffs page.
How will I know my order has been submitted?
When an order is successfully submitted, you will receive a confirmation. You may also check your order under the “Order List” tab. The status of the order will be classified as “Received”.
How do I know that my orders have been executed and how fast can my executions be done online?
Upon receiving your order, it will be directly sent to the Exchange. Your order will be matched depending on market conditions and the volatility of the stock.
What should I do if I get disconnected while sending an order?
If you get disconnected while sending an online order, reconnect and check your order under the "Order List" tab. If your order did not go through at the time of disconnection, you will need to resubmit the order.
What happens to my unmatched orders at the end of a trading day?
All unmatched orders for the day will expire at the end of that trading day and no amount will be debited from your trading account.
What happens if I submit an order after the market is closed?
Any orders placed after the market trading hours will be placed on queue on a first-come-first-serve basis for the next trading day.
What happens if I make a mistake, such as buying or selling the wrong stock?
Once a trade is matched, it is treated as an executed deal. Therefore, we highly recommend that you exercise caution in your choice of stock and take extra care for the online submission of your orders.
I received an error message “Not enough buying power” when I placed a trade. What does this mean?
Please be reminded to click “Request” for Currency Conversion from SGD to the selected currency before placing any trade in different stock exchanges. The currency conversion will reflect immediately. The trade will only be executed depending on the available cash currency of the Stock Exchange.

Note: For Malaysia Ringgit (MYR) conversion, please contact us during business hours as this feature is not available in Baiduri Invest.
Will I be informed of relevant corporate actions? What is a corporate action?
Yes, Baiduri Capital dealers will advise you on the corporate exercise before the due date via email.

Please ensure we have your valid email address and make sure that you update us if there are any changes by calling us during business hours at +673 226 8588.

A corporate action is any event that brings material change to a company and affects its stakeholders. These events are generally approved by the company’s board of directors; shareholders are permitted to vote on some events as well. Splits, dividends, mergers, acquisitions are all examples of corporate actions.
How do I close my Baiduri Invest account?
Should you wish to close your Baiduri Invest account, kindly liquidate all your shares, and convert all foreign currency balance to SGD (if any) via the platform. Once reflected, please visit our office during business hours for account closure.

FRACTIONAL SHARES
What is fractional shares trading?
Fractional shares trading allows investors to buy or sell portions, or “slices”, of eligible stocks, which can be less than one whole share. This provides more flexibility in investment amounts, making it easier for investors to diversify their portfolios.
Are there any requirements to trade fractional shares on Baiduri Invest?
To trade fractional shares, you simply need to agree to the terms and conditions of Baiduri Invest.
What markets are eligible for fractional shares trading?
Fractional shares trading is currently available for select stocks and ETFs listed on the US, Hong Kong, and Singapore exchanges. Our broker selects eligible securities based on criteria like liquidity and active trading, such as constituents of an index. For a current list of eligible stocks and ETFs, please contact Baiduri Capital at [email protected] or +673 226 8588 (during business hours).
How does fractional shares trading work?
When you place a fractional shares order, it is converted into a whole share order and sent to the exchange for execution. The fractional portion is allocated to your account, while the remainder is settled by our executing broker.
Why would I want to buy fractional shares?
Buying fractional shares offers several advantages:

Precision: You can specify the exact dollar amount you wish to invest rather than the number of shares, allowing for more precise portfolio construction.
Access to High-Value Stocks: Invest in high-value stocks that may otherwise be out of reach if you were limited to whole shares.
Recurring Investment: With our Recurring Subscription Plan (RSP) feature and zero minimum commission RSP trades, you can automatically invest a fixed dollar amount at regular intervals, helping to build your portfolio over time.

Please note that standard commission rates and minimum commission fees apply. Click here for details on regular orders (i.e., non-Recurring Subscription Plan).
What are the similarities and differences between owning a whole share and a fractional share?
Both whole and fractional shares expose you to the same investment and market risks. They entitle you to cash dividends, stock dividends, stock splits, and reverse stock splits based on your holdings.

However, key differences include:
Fractional shares are not traded directly on an exchange.
Fewer order types are available for fractional shares.
You may not be eligible for certain corporate actions, such as rights issues and tender offers.

Lastly, while fractional shares allow for smaller trades, standard commission rates and minimum fees still apply, which may represent a larger percentage of smaller orders.
What are the minimum order sizes for fractional shares trading?
The minimum order size for fractional shares trading is USD 1. Fractional shares will be rounded to the sixth decimal place, and the value of the shares is rounded to the nearest cent.
What are the available order types?
Buy orders – Market and limit orders, good till day (GTD).
Sell orders – Limit orders only, good till day (GTD).
Order Types explained:
Market Order: Buy or sell at the current market price without specifying a price.
Limit Order: Specify the price at which you want to buy or sell. The order will only execute if the price is met. Guarantees the price, but not the execution.
Good Till Day (GTD): Orders remain active until the specified date, unless executed or cancelled. All GTD orders are cancelled at the end of the trading day if not fulfilled.
How do I place an order for fractional shares?
To place an order, specify the dollar value of your order using either the Advanced Order Ticket or Lite Order Ticket. If you are enrolled in the Recurring Subscription Plans (RSP), your orders will generally be placed as fractional shares.

Click here to learn how to access the Advanced or Lite Order Ticket through our user guide.
What are the commission rates for fractional shares?
Standard commission rates, including minimum fees, apply to fractional orders, which may represent a larger percentage of smaller trades. However, if you're using a Recurring Subscription Plan (RSP), tariffs specific to the RSP will apply, making smaller order sizes more cost-effective, as minimum fees do not apply. Click here to view the latest tariffs and better understand the associated costs.
Can I transfer shares, including fractional shares, to or from Baiduri Invest?
No, Baiduri Invest does not support the transfer of fractional or whole shares in or out of accounts.
What happens if a stock that I have a fractional holding in becomes ineligible for fractional trading?
Your existing fractional holdings will remain unaffected. You will have the option to close your position by placing an order through Baiduri Capital dealers at any time.

RECURRING SUBSCRIPTION PLAN
What is a Recurring Subscription Plan?
A Recurring Subscription Plan, previously known as the Monthly Investment Plan, allows you to invest a fixed amount of money into Stocks or Exchange-Traded Funds (ETFs) of your choice at regular intervals. This strategy benefits from dollar-cost averaging, where you invest a consistent amount regularly regardless of market conditions. This means you buy more units when prices are low and fewer units when prices are high, smoothing out the purchase price over time.
What securities can I invest in with a Recurring Subscription Plan?
The Recurring Subscription Plan is available for Stocks and ETFs traded on US stock exchanges only.
For the list of counters that are available, you may refer to Baiduri Capital by email at [email protected] or call our helpline at 226 8588 during business hours.
How do I set up a Recurring Subscription Plan?

Step 1
Log into your trading account and go to your Watchlist.

Step 2
Right-click on your selected Stock or ETF and choose Set Recurring Payment.

Step 3
Enter the amount you wish to invest at each interval and select the payment frequency.

Step 4
Agree to the terms, select your trading account, and click Confirm.
What is the minimum investment amount for a Recurring Subscription Plan?
The minimum investment amount is USD 100 per month for each Stock or ETF. Depending on the price of the Stock or ETF, you may need to purchase more than one unit to meet this requirement. For example:

SPDR S&P 500 ETF Trust: If the current market price is USD 420 per unit, investing USD 100 per month would not be sufficient to purchase a full unit. You would need to invest at least USD 420 to meet the minimum requirement.
Palantir Technologies Inc: If the market price is USD 27 per unit, you can purchase multiple units with your monthly investment. For example, with a USD 100 monthly investment, the number of units purchased will be the closest whole number to USD 100. For instance, USD 100 / USD 27 = 3.7 units, so the purchase would be rounded accordingly.

What is the commission fees for participating in the Recurring Subscription Plan?
The commission fee is 0.50% of the total investment amount. For example, if you invest USD 840 in the iShares Core S&P Trust (2 units at USD 420 each) each month, the commission fee will be USD 4.20 (0.50% of USD 840).
Can I set up a standing instruction for top-up to Baiduri Invest for the RSP?
Unfortunately, the request is not possible at this time.
When will my transactions be processed?
Transactions will be processed on the first trading day of the selected interval. The schedule is as follows:
Frequency
Day of placement
Weekly
The first subscription will be on the first trading day of the next week (e.g. Monday)
Bi-weekly
The first subscription will be on the first Monday of 2 (Two) weeks later.
Monthly
The first subscription will be on the first trading day of the next month
Bi-monthly
The first subscription will be on the first trading day of Jan/Mar/May/July/Sept/Nov.
Quarterly
The first subscription will be on the first trading day of the quarter (Jan/Apr/Jul/Oct)
Semi-Annual
The first subscription will be on the first trading day of the half-year (Jan/Jul)
If the scheduled date falls on a holiday, the transaction will be rescheduled to the next trading day within the selected period.
What price will be used for orders in the Recurring Subscription Plan?
Orders will be executed as market orders at the opening of the market on the transaction date.
How will I fund the Recurring Subscription Plan?
The Recurring Subscription Plan will be funded through your trading account with Baiduri Capital and settled in US Dollars (USD). Ensure your USD settlement account has sufficient funds on the transaction date, as the required amount will be automatically deducted. To convert funds from other currencies to USD, use the currency conversion option in the Requests tab.

What happens if I don’t have sufficient funds in my trading account on the transaction date?
If your trading account does not have sufficient funds on the transaction date, the Recurring Subscription orders will be rejected, and no further attempts will be made. Successful transactions will appear under the Order List on the platform.
Where can I view the recurring investments I have set up?
Go to the Request workspace and select the Recurring Subscription sub-tab to view your active recurring subscriptions.

Can I cancel my Recurring Subscription Plan?
To cancel, go to the Request section and click the red icon of the Stock or ETF you wish to remove from the plan. Click confirm to cancel.

What is the minimum period to retain my RSP before I decide to cancel?
There is no minimum period. You may cancel the plan anytime.
Is it possible to modify my existing Recurring Subscription Plan?
No, modifications are not allowed. To make changes, you will need to cancel the current plan and set up a new one with the desired adjustments.
Would Recurring Subscription Plan be subject to fractional shares trading?
Yes, your RSP may involve fractional shares trading, as the orders are based on a specified dollar amount rather than the number of shares. For more details on fractional shares trading, please refer to the Baiduri Invest FAQ tab.
UNIT TRUSTS
What is Unit Trust?
Unit Trust or Mutual Fund is a professionally managed form of collective investment that pools money from several investors and invests it in bonds, stocks, short-term money market instruments and other securities.
What is Fund House?
Fund houses are also known as fund managers or portfolio managers. They trade funds underlying securities, realising capital gains or losses, and collect the dividend or interest income. Examples are Allianz Global Investors, BlackRock, Franklin Templeton Investments, Lion Global Investors Manulife, Neuberger Berman, Phillip Capital and UOB Asset Management.
What is the minimum amount to invest in a Unit Trust?
Minimum investment amount is $1,000 in the respective currency, except for Manulife Asia Pacific Investment Grade Bond Fund and Lion Global Singapore Dividend Equity Fund which requires $5,000. Lion Global Disruptive Innovation Fund requires a minimum of $100 in the respective currency.
Is there any maximum amount to invest?
There is no maximum amount to invest.
What is the sales charge to subscribe to Unit Trust?
The sales charge to subscribe are at 4% of subscription amount for all funds with the exception of the following funds: United SGD Fund & United Smart Sustainable Singapore Bond Fund (UOB Asset Management), Phillip Capital Management Fund, Manulife SGD Income Fund & Manulife Sustainable Asia Bond Fund and Lion Global Disruptive Innovation Fund where the sales charge is 3%.
Is there any sales charge for redemption?
There is no sales charge when you redeem your Unit Trust.
I am a Prestige or Smart Executive Programme (SEP) member; can I get a discount for the sales charge?
Yes, members who are tied to these programme are entitled year-round benefits, where Prestige will enjoy 1% discount and SEP enjoy 0.5% discount of the original sales charge.
During promotional periods, are Prestige and SEP members entitled for additional discounts to sales charges?
It will depend on the terms and conditions of the promotion, kindly refer to the promotion details. Alternatively, you may call us or customer helpline (+673 244 9666) during business hours to enquire more about it.
What is Regular Savings Plan (RSP)?
Regular Savings Plan allows you to invest a fixed amount of funds every month into a unit trust of your choice.
What is the minimum amount to start RSP?
You can start your RSP from as low as $100 in the respective currency per month. You have the flexibility to invest more if you wish.
I have invested in Unit Trust by Baiduri Capital before, can I subscribe for RSP?
Yes, you can subscribe to RSP after subscribing to the unit trust’s fund.
Is there any sales charge when I subscribe to RSP?
Yes, normal sales charge applies according to the fund you have invested, and Prestige and SEP enjoys programme discount.
What is the eligibility and the documents required to sign up for Unit Trust?
18 years old and above
Brunei Resident, Permanent Resident and Foreigner*
Maintain an account with Baiduri Bank or Baiduri Finance.

*Terms and Conditions apply
Why do I need to have an account with Baiduri Bank for the subscription/redemption of Unit Trust?
This is to enable transactions such as deduction of the investment amount and crediting of any payout/dividend and/or redemption amount.
How do I subscribe/redeem/RSP to Unit Trust?
You can contact Baiduri Capital at +673 226 8588 or email [email protected] to book an appointment with our licensed personnel.
How will I monitor my investment?
You will receive a quarterly portfolio statement from Baiduri Capital. Alternatively, you can visit or call us +673 226 8588 or visit any Baiduri Bank branches for the updated price (NAV) of your unit trust.

Another option is searching Bloomberg ticker as provided by the fund’s house factsheet to monitor the performance of the funds.
Can I view my Unit Trust through b.digital app?
Yes, you will only be able to see your portfolio that is linked to your primary account only by changing the currency next to the “Total Amount”.

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