Your Baiduri b.Digital Personal mobile app will be undergoing a system update starting Monday, 21 August 2023.
Exchange Traded Funds (ETFs) are open ended investment funds that are traded directly on the stock exchange. The objective of an ETF is to track the performance of an underlying index or even to replicate the performance of a composition of different stocks.

key features
As ETFs mimic the composition of a stock index, you gain exposure to a variety of securities without having to invest time and money into individual stocks.
ETFs are traded directly on the exchange and passively managed, hence there is a zero sales charge and management fees are lower compared to actively managed funds like Unit Trusts.
The purchase and sale of ETFs between buyers and sellers is ongoing throughout a working day on the stock exchange, making it easy for you to liquidate your investments.
Reduced Volatility
Due to their broad equities exposure, ETFs are more resilient and can provide a buffer against extreme fluctuation or erosion of investment value, in the face of market volatility.

Low Cost Diversification

Buying an ETF such as STI ETF (State Street) gives you instant exposure to 30 companies which constitute the index, without buying into each of the single stocks and incurring high brokerage fees.

Access Hard-to-Reach Sectors
With ETFs, you can now readily access otherwise hard to reach assets and sectors, such as gold and oil.
Page Transparency
Enjoy intra-day price transparency on their listed exchanges.

A Monthly Investment Plan allows you to invest a fixed amount every month on Exchange Traded Funds (ETFs), making it ideal for new investors looking to start investing for the long-term. You will also benefit from Dollar-Cost Averaging which helps you to regularly invest a fixed amount into Exchange Traded Funds (ETFs), allowing you to benefit from the varying ETF prices and ultimately achieve an average price over time.

For more information on Monthly Investment Plan, click here.


ETFs are subject to the following types of risks:

    Investors are exposed to the price volatility of the underlying assets which the ETF tracks. Generally, where the price level of the underlying declines, the value of ETF declines as well.

    If the traded currency of an ETF is different from the functional currency of the investor, the investor will be exposed to fluctuations in foreign exchange rates which may affect the returns on the ETF.

  • How to Start Trading
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • FAQs
  • How to Start Trading

    How to Start Trading

    Step 1

    If you do not have an existing saving or current account with Baiduri Bank or Baiduri Finance, you will need to open an account for the purpose of trading.

    Step 2

    Make an appointment with Baiduri Capital to complete the account opening. You will need to bring all the required documents during your visit.

    Step 3

    Once account opening has been completed, our dedicated dealers will help you learn how to navigate our trading platform and make the most of available resources.

    If you have any queries, please contact +673 226 8588.


    Terms and conditions governing Baiduri Capital Securities Trading Account
  • Eligibility Criteria


    • 21 years old and above
    • Brunei Citizen, Permanent Resident and Foreigners*
    • Maintain an account with Baiduri Bank or Baiduri Finance

    *Terms and Conditions apply
  • Required Documents



    • Valid Identity Card, Royal Brunei Armed Forces Identity Card, Diplomatic pass; or
    • Valid Passport with latest Proof of Residential Address1

    Option 1
    • Identity card or temporary receipt, within its validity, issued by the Brunei Immigration Department
    • Passport with valid employment pass (with at least one month’s validity)

    Option 2
    • Passport with valid employment pass
    • Letter of employment issued by the employer
    • Satisfactory evidence of Residential Address1
    1 Proof of Residential Address can be in the form of:

    • Utility Bill not over three months old e.g. electricity, telephone or water bill
    • Bank statement, credit card statement or a letter of reference from his/her account from a recognised bank
    • Valid Driving Licence
    • Employment confirmation letter from employer

  • Fees & Charges
  • FAQs


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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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