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COVID Support Measures
COVID-19 Help and Support
  • We're in this together
  • Our Support Initiatives
  • Individuals
  • Businesses
  • Downloadable Forms
  • We're in this together
    As we work together to manage the impact of COVID-19 outbreak, we are committed to helping individuals, businesses and communities during these uncertain times.

    SAFEGUARDING YOUR HEALTH AND SAFETY
    All our branches remain open during normal banking hours, with additional precautionary measures in place to safeguard your health and well-being when you need to visit us.
    We have done full sanitisation for all our branches and increased the frequency of cleaning of common areas and our ATMs.
    Regular temperature checks are conducted at all our branches and entry.
    Masks have been provided to all our staff as a precautionary measure.
    Floor markers are installed at all branches to help maintain safe social distance.
    We have deployed hand sanitisers to all our branches and ATMs.
    Our staff are constantly updated on health and safety guidelines, including handwashing and staying home when unwell.
    Our new digital banking platform, Baiduri b.Digital Personal allows you to bank round-the-clock from the safety and comfort of your home. Choose to access your account through our website or the mobile app, whichever you prefer.
    You can download the app from App Store or Google Play:
    Free local online fund transfers

    From 1 April 2020 till 31 March 2021, all fees for online fund transfers* between local banks i.e. ACH and RTGS, will be automatically waived. You can also set up standing instructions for local bank transfers online for free^.
    * Including transfers made via standing instructions online.
    ^ Normal setup fee of BND5 per instruction is waived.
    Contact Us
    Should you need any assistance in managing your finances or cashflow, we are here to help.

    Call our 24-hour Customer Helpline at 244 9666 for assistance. As our Call Centre is currently experiencing high demand, we greatly appreciate your patience if you experience longer than usual response time.
  • Our Support Initiatives

    OUR SUPPORT INITIATIVES
    In line with AMBD guidelines, we have introduced the following support and relief measures to help individuals and our business community facing financial constraints due to the COVID-19 outbreak.
    For Individuals

    Financial relief measures

    Individuals who are financially impacted by COVID-19 may apply for financial relief.

    To be considered:

    • Applicant must meet the eligibility criteria specified for each relief measure package.
    • Application must be received by 30 December 2020.
    • For loan deferment, deferment will start upon approval and will end no later than 31 March 2021.
    • All applications are subject to the Bank's assessment.
    • Credit Cards
      You have the option to convert your credit card outstanding balances into a term loan of not more than 3 years.
      Eligibility
      • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
      • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.
      How To Apply
      Submit your application via email to [email protected] by 30 December 2020 with the following:
      • Duly completed Credit Card Instalment Application Form
      • Copy of IC
      • Copy of Letter from employer. In the letter, your employer will need to:
        1. indicate that you have been financially impacted by COVID-19 outbreak and that you are still in employment;
        2. indicate that your employer has no objection for you to seek Baiduri Bank's consideration for loan deferment
      You may also email us if you have specific queries about your eligibility. We will get back to you within 7 business days.
      Alternatively, visit your nearest Baiduri Bank branch during normal banking hours to submit the above documents.
    • Personal Loans and Mortgage/Property Loans
      • Effective 1 April 2020, you may apply to defer your repayments of loan principal for up to 12 months. You will still need to service your interest.
      • You may apply to:
        1. indicate that you have been financially impacted by COVID-19 outbreak and that you are still in employment;
        2. indicate that your employer has no objection for you to seek Baiduri Bank's consideration for loan deferment
      • All related processing fees (excluding third-party fees) will be waived.
      Eligibility
      • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
      • For Property Investment Loan, applications from civil servants whose rental income has been affected by the outbreak will be considered.
      • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.
      How to apply
      Submit your application via email to [email protected] by 30 December 2020 with the following:
      Additional document for Personal Loans and Home Loans:
      • Copy of Letter from employer. In the letter, your employer will need to:
        1. indicate that you have been financially impacted by COVID-19 outbreak and that you are still in employment;
        2. indicate that your employer has no objection for you to seek Baiduri Bank's consideration for loan deferment
      Additional document for Property Investment Loan:
      • Proof of rental income reduction sighted in bank statements or in the tenancy agreement
      You may also email us if you have specific queries about your eligibility. We will get back to you within 7 business days.
      Alternatively, visit your nearest Baiduri Bank branch during normal banking hours to submit the above documents.
    • Hire Purchase with Baiduri Finance
      • Effective 1 April 2020, you may apply to defer the principal repayment of your hire purchase financing for up to 12 months, you will still need to service your interest during the deferment period.
      • You may apply to:
        1. extend your loan maturity date according to the deferment period. Your monthly repayment amount will revert to the usual instalment amount at the end of the deferment period; or
        2. restructure your hire purchase within a tenor of no more than 10 years subject to TDSR regulations and eligibility assessment.
      • All related processing fees (excluding third-party fees) will be waived.
      Eligibility
      • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
      • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.
      How to apply
      Submit your application via email to [email protected] by 30 December 2020 with the following:
      We will get back to you within 10 business days.
      Alternatively, visit Baiduri Finance Sumbangsih branch during normal banking hours to submit the above documents using the drop box located at Customer Service at Ground Floor.
    For Businesses

    Loan deferment

    From 1 April till 30 December 2020, companies impacted by the COVID-19 outbreak in all sectors may request for deferment on payment of the principal portion of their loan repayments for up to 12 months. The interest portion will continue to be serviced as normal.

    Deferment will start upon approval and end no later than 31 March 2021 and subject to Bank's due diligence and assessment.

    Your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 on the application date of such request.

    To request for Loan deferment, please contact your Account Relationship Manager.

    To request for Hire purchase deferment, please complete the HP Deferment Form (for Companies) and email to [email protected] by 30 December 2020 along with all supporting documents stated in the form. We will get back to you in 10 business days.
    Trade and payment transaction fee waivers

    This applies to Businesses operating in the following sectors:

    • Tourism
    • Hospitality/ event management
    • Restaurant/cafes (Food & Beverages)
    • Air transport
    • Food importers
    • Medical Supplies importers

    All bank fees and charges, except third-party charges, related to trade and payment transactions under the above eligible sectors will be waived from 1 April till 30 September 2020.

  • Individuals

    Apply to defer or restructure your Hire Purchase
    For Individuals

    Eligibility:
    • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
    • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.

  • Businesses

    Apply to defer or restructure your Hire Purchase
    For Businesses

    Eligibility:

    Applicable to companies impacted by the COVID-19 outbreak in all sectors with good repayment history i.e. loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 on the application date of such request.

  • Downloadable Forms

    DOWNLOADABLE FORMS
    Applications must be submitted by 30 December 2020 to be considered.
    Apply to convert your credit card outstanding balances into a term loan

    Eligibility:

    • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
    • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.

    Apply to defer or restructure your Personal Loan or Mortgage/Property Loan

    Eligibility:

    • You must be employed in the private sector or are self-employed, and able to prove that your income has been adversely affected by the outbreak.
    • For Property Investment Loan, applications from civil servants whose rental income has been affected by the outbreak will be considered.
    • You must have a good repayment history i.e. your loans/facilities must not be in arrears exceeding 90 days as at 1 April 2020 or on the application date of such request.

GET IN TOUCH WITH US

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

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