Multi-Tier Savings Account
Earning competitive tiered interest with your savings.
You can be sure that your funds are secure and earning competitive tiered interest, which grows with your balance.

Baiduri Finance Multi-Tier Savings Account

Average Monthly Balance Interest Rates *
Interest Rates *
Tier 1
BND100 or less
0.15% p.a.
Tier 2
BND100.01 to BND500
0.152% p.a.
Tier 3
BND500.01 to BND5,000 
0.153% p.a.
Tier 4
BND5,000.01 to BND10,000
0.154% p.a.
Tier 5
BND10,000.01 to BND20,000
0.155% p.a.
Tier 6
BND20,000.01 to BND100,000
0.16% p.a
Tier 7
BND100,000.01 to BND250,000
0.165% p.a.
Tier 8
Above BND250,000.01
0.17% p.a.

*With effect from 2 November 2021 and subject to change.
*Terms and conditions apply

Key Features

Accessing your account

  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Eligibility Criteria

    Eligibility Criteria
    • Brunei citizens, permanent residents and foreigners with valid employment pass or contract
    • Minimum age of 12 years
    • Consent from parent or guardian is required for applicants below 12 years of age
  • Required Documents

    Required Documents
    • Valid Identity Card or Passport (for individual or joint accounts)
    • For applicants below 12 years of age, Identity Card or Passport of parent or guardian and applicant’s birth certificate are required
  • Fees & Charges

    Fees & Charges
    Effective 1 January 2022, the following tariffs will apply:

    Fees / Charges

    Issuance of passbook


    Passbook savings account

    Quarterly service fee of BND2 per account

    • A service charge of BND50 will be levied if the account is opened for less than six months

    • Your account will be classified as dormant if it has been inactive for 12 months. A monthly fee of BND10 will be levied if your account remains dormant after 12 months
    • Reactivation of Dormant Account is BND10
    • You will receive a reminder letter and SMS two months before your account turns dormant
    • To avoid inconvenience, please make a deposit or withdrawal to prevent your account from turning dormant

    • Other charges may apply subject to fees and charges as per prevailing Schedule of Tariffs 

    • Frequently Asked Questions

      1. Will I be charged if I want to keep my passbook account?
      Yes, a quarterly service fee of BND2 will be charged to each individual Multi-Tier Savings Account – passbook account.

      2. When will I be charged the quarterly service fee?
      Charges will be made at the end of each quarter – March, June, September and December.

      3. Will there be a charge to renew or reissue my passbook?
      Yes, you will be charged an additional BND10.

      4. Can I check my account balance elsewhere?
      You can view and download your e-statements via Baiduri b.Digital Personal. If you do not have a Baiduri b.Digital Personal account, sign up through this link personal or download the app at Apple Store or Google Play.

      5. If I do not want to keep my passbook account, what is my alternative?
      You can choose to convert your Multi-Tier Savings Account to a statement account. An instruction can be sent through Baiduri b.Digital Personal or by booking an appointment through Baiduri Finance Helpdesk at 2449666 ext 3.

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Contact our customer support team if you have any further questions. We are here to help you.

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