Foreign Exchange for Institutional Banking

Notice

Your Baiduri b.Digital Personal mobile app will be undergoing a system update starting Monday, 21 August 2023.

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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

Diversification

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.

Affordability

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.

Liquidity

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.

Benefits

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.

MONTHLY INVESTMENT PLAN

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.

RISKS OF ETFs

ETFs are subject to the following types of risks:

MARKET RISK
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.
FOREIGN EXCHANGE RISK
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 & CONDITIONS
Terms and conditions governing Baiduri Capital Securities Trading Account
View Here
Eligibility Criteria
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
REQUIRED DOCUMENTS
FOR BRUNEI CITIZENS OR PERMANENT RESIDENTS

Valid Identity Card, Royal Brunei Armed Forces Identity Card, Diplomatic pass; or
Valid Passport with latest Proof of Residential Address¹
FOR FOREIGNERS RESIDING IN BRUNEI (GREEN IDENTITY CARD HOLDERS)

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
¹Proof 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

Fees & Charges
view our general tariffs
FAQs

FREQUENTLY ASKED QUESTIONS
FAQS

I am interested to find out more

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Your investments are personal, and so you’ll get real people to answer your questions. Contact our customer support team if you have any further questions. Here are ways you can get in touch with us.

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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.

I have read and understood the notice above.

Proceed

Important notice: We have updated the Baiduri b.Digital Personal mobile app on 21 August 2023.

If you have not logged in to your mobile app lately, you will be required to update the app when you open it.

If you have updated the app but have forgotten what your User ID is, you can retrieve it via one of the following:
• Visit Digital Hub at ground level, Baiduri Bank Headquarters
• Visit your nearest Baiduri Bank branch
• Call our 24-hour Customer Helpline at 2449666

If you have forgotten your password, you can reset it through the Baiduri b.Digital Personal web platform through the “Forgot Password” feature.

If you need further assistance, click here for a guide.

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