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b.Digital Business

Frequently asked questions

About Baiduri b.Digital Business

We have upgraded our online business banking platform which includes a web platform and complemented with the Baiduri b.Digital Business mobile app.

  • 1. What can I do on Baiduri b.Digital Business?
    Some of the key features include:

    • Enhanced 2FA authentication via digital token (mobile app) or physical token
    • Create single and batch Fund Transfers within Baiduri, other local banks and banks abroad
    • Create Bill Payments
    • Create scheduled or future-dated instructions for Transfers and Bill Payments
    • Manage your company’s Payroll
    • Manage your Billers and Payees
    • View and download Account Balance reports, Transaction History reports and Telegraphic Transfer Advices
    • Monitor Loans, Corporate Cards and Deposit accounts
    • Request for Cheques
    • View Exchange Rates

  • 2. What can I do on Baiduri b.Digital Business mobile app?
    Some of the key features include:-

    • Generate secure code, the 6 digit OTP (One Time Password)_required for logging in to the web platform (this only applies if you have opted to use digital token)
    • Approve transactions and instructions (applies to Approvers)
    • Have an overview of your Operative accounts
  • 3. What do I need in order to access Baiduri b.Digital Business?

    To access the web version, you will require a compatible internet browsers. See below:

    • Chrome 13.0 and above
    • Mozilla Firefox 3.6 and above
    • Safari 5.0 and above
    • Internet Explorer 9 and above

    To use Baiduri b.Digital Business Mobile App, you will need one of the following operating systems on your mobile device:
    • iOS OS: Version iOS 11 and above
    • Android OS: Version 4.4 and above

  • 4. Is Baiduri b.Digital Business secure?

    Baiduri b.Digital Business uses industry standard 128-bit strong SSL encryption to ensure data confidentiality. Additionally, there are other security features such as unique Corporate Group ID, User ID, Password followed by a 6-digit one-time password generated from a physical or digital token. An automatic timeout feature will ensure you are logged out when your account is idle for more than eight (8) minutes.

  • 5. How do I register for Baiduri b.Digital Business?

    Registration is free and can be done at any Baiduri Bank branch. Save time by downloading the application form at www.baiduri.com or speak to your Baiduri Bank Business Relationship manager for more information.

    You will require the following documentsfor registration:

    • Copy of IC/Passport of all applicants
    • Copy of Certificate of Incorporation or Certificate of Registration (Section 16)
    • Copy of Form X – Particulars of Directors or Managers or Business Registration (Section 17)
    • Directors Resolution (for limited company only)

  • 6. When can I start using Baiduri b.Digital Business?
    Once your application has been processed, you will receive two emails containing the following:

    • Corporate Group ID;
    • User ID; and
    • temporary password.

    You will need these credentials to complete your first-time login to Baiduri b.Digital Business.

    If you have opted for digital token, you will only be able to login after you register your credentials in the Baiduri b.Digital Business mobile app.

    If you have opted for physical token, you must have the token in hand to be able to login.

    Refer to the section ‘Approval Methods’ for more information on the digital and physical token
  • 7. What do I do if I require assistance while using Baiduri b.Digital Business?
    If you need any assistance while using Baiduri b.Digital Business web or mobile app, email our Digital Banking team at [email protected].
  • 8. What do I do if I lose my mobile device where the Baiduri b.Digital Business mobile app is installed?
    If this happens, please call our 24-hour Customer Helpline at 244 9666 as soon as you’ve realized to inform that you have lost your mobile device and we will arrange to disable access to your Baiduri b.Digital Business account.
  • 9. Can I access my Baiduri b.Digital Business account overseas?
    You can access the service (web and mobile app) overseas so long as you have stable internet connection.

    You should also ensure that the email address and mobile number that you are using overseas is updated with Baiduri Bank so that you can receive your login credentials upon registration / password reset.

USER ADMINISTRATION

FIRST TIME LOG IN
  • 18. If I wanted to opt for a digital token (Baiduri b.Digital Business mobile app), how do I register?

    Once you have received the Corporate ID, User ID and temporary password, please follow these steps:-

    • Download the Baiduri b.Digital Business mobile app from Google Play Store or App Store.
    • Through the Baiduri b.Digital Business mobile app, enter your Corporate Group ID, User ID and temporary password. Do note that the temporary password is valid for only 48 hours and it is encouraged to attempt loging in when the temporary password is received.
    • Enter the One-Time PIN (OTP) that is sent to your registered mobile number or email address.If you do not receive your OTP, a “Resend OTP” button will appear after one minute.
    • Upon successful authentication of the OTP, you will be prompted to change your password.
    • Once changed, you will be prompted to log in again with the new password. The new password will also be the same password for your web login.

  • 19. How do I login to Baiduri b.Digital Business web after authenticating my Mobile App?

    • Go to www.baiduri.com, then login to Baiduri b.Digital Business.
    • Enter your existing Corporate Group ID, User ID and Password, then click ’Proceed to Login’.
    • At the 2FA authentication page, select the 2FA option ’Digital Token‘.
    • On your mobile device, open the Baiduri b.Digital Business mobile app.
    • Click on the menu icon on the top left corner the mobile app, then select ’Generate Secure code’ to generate the 6-digit secure code.
    • Enter the 6-digit code into the 2FA authentication page on the website and you will be directed to the dashboard.

  • 20. How do I log in via Baiduri b.Digital Business web using the physical token?

    • Go to www.baiduri.com, then login to Baiduri b.Digital Business.
    • Enter your existing Corporate Group ID, User ID and Password, then click ’Proceed to Login’.
    • At the 2FA authentication page, select the 2FA option “Physical Token”.
    • On your physical token, press the power button. A 6-digit secure code will appear.
    • Enter the 6-digit code into the 2FA authentication page on the website and you will be directed to the dashboard.

  • 21. I am not able to register using my existing User ID and Password. What should I do?

    If you encounter this issue, please email our Digital Banking team at [email protected]

  • 22. Is the Baiduri b.Digital Business mobile app compulsory to have?

    The Baiduri b.Digital Business platform requires a 2FA (2 factor) authentication for logging in and approving transactions. If you have opted for digital token, you will be required to download the Baiduri b.Digital Business mobile app and register.

    However, you can opt for physical tokens. Please note that there is a BND50 fee for each physical token required.


APPROVAL METHODS

FUND TRANSFERS
  • 30. Are there charges incurred for Fund Transfers?

    Fund Transfers to accounts within Baiduri Bank are free or charge. However, charges apply for Fund Transfers made to other local banks and overseas banks. Please refer to Baiduri Bank’s General Tariffs for more information.


Internal Transfers and Within Bank Transfers

  • 31. What is the difference between Internal Transfers and Within Bank Transfers?

    Internal transfers – transfers to companies within the company’s group, for example sister company.
    Within Bank Transfers – transfers to to other third-party accounts within Baiduri Bank.

  • 32. Does a company need to create beneficiaries for Internal Transfers?

    This is not required. The company does not need to create a beneficiary for internal transfers as the companies are already set up when creating the company profile.
  • 33. How do you create a Beneficiary for Within Bank Transfers with a Maker profile?

    To submit a within bank transaction, you must first create the Beneficiary.
    • Login to Baiduri b.Digital Business.
    • From the menu, select Beneficiary Management > Create Beneficiary
    • Beneficiary Type: from the drop-down list, select Domestic
    • Transfer To: Select Same Bank
    • Enter the following in the required fields:

      1. Beneficiary Nick Name: Enter something you would remember for your reference.
      2. Beneficiary Account Number: Enter the account number of the Beneficiary Bank you will be transferring the funds to.
      3. Beneficiary Name: Enter the Beneficiary’s full name, who will be receiving the funds. It is advisable to confirm with the Beneficiary the exact account name of the Beneficiary account.

    • The remaining fields will either be auto-populated or are optional and are not required for this transfer.

    Once completed, the beneficiary name and details will appear under the Beneficiary List. You will not be required to perform the above steps for this particular beneficiary again. Refer to the Baiduri b.Digital Business User Guide – ‘Create Beneficiary’ for more information.

  • 34. How do you submit an Internal Bank Transfer with a Maker profile?

    • Login to Baiduri b.Digital Business.
    • From the menu, select Transfer > Create Single Payment
    • Fill in the required fields:

      1. Your reference: Enter a reference so that you canidentify the request.
      2. Payment method: Select Internal Transfer.
      3. Choose Company:- Select the Company account you intend to debit.
      4. Pay From: The list of accounts under the selected company will be available in the drop down list. This field contains Company Name / Account Number / Currency of the From Account / Bank Code.
      5. Payment Date: Set the date you prefer the payment to be made.
      6. Transfer to Company: The list of companies linked to your Baiduri b.Digital Business account will be available in the drop down list.
      7. Pay To: The list of accounts under the selected company will appear under the drop down list. This field contains the Company Name / Account Number / Currency / Bank Code.
      8. Debit Currency and Payment Currency: These will be auto-populated based on the account selected.
      9. Payment Amount: Enter the amount based on the Payment Currency. E.g. If payment currency is USD, input the amount in USD.
      10. Debit Amount: This will be calculated automatically based on the payment Amount.
      11. Instruction to Bank: This field does not apply to Internal Transfers and can be ignored.
      12. Payment Remarks: – Enter any remarks. Thiswill be included in the transaction summary.

    • Click Continue to review the page before submitting for approval.
    • You will be lead to a Review page where you can verify and confirm the information.
    • Click Proceed to Submit. The request will then be submitted to the Approver to approve and review.

    Please note that transfers between two foreign currency accounts will be processed within one (1) working day. Refer to the Baiduri b.Digital Business User Guide- ‘Transfers’ for more information.
  • 35. How do you submit a Within Bank Transfer with a Maker profile?

    • Login to Baiduri b.Digital Business.
    • From the menu, select Transfer > Create Single Payment.
    • Fill in the required fields:

      1. Your reference: – Enter a reference so that you can identify the request.
      2. Payment method: Select Domestic.
      3. Choose Company: Select the Company account you intend to debit.
      4. Pay From: The list of accounts under the selected company will be available in the drop down list. This field contains Company Name / Account Number / Currency of the From Account / Bank Code.
      5. Payment Date: Set the date you prefer the payment to be made.

    • Enter the following Beneficiary required fields:

      1. Transfer To: Selet Same Bank
      2. Pay to: The list of accounts under the selected company will appear under the drop down list. This field contains the Company Name / Account Number / Currency / Bank Code.
      3. Debit Currency: This will be auto-populated based on the Pay From Account Currency.
      4. Select Payment Currency: If the selected payment currency differs from the debit currency, the Amount Priority field will displayed.
      5. Amount Priority: For transfers with cross currencies, the Debit Amount will reflect the currency of the Pay From account and Payment Amount will be the currency the beneficiary will receive.

    • Enter the Payment Details in the required fields:

      1. Payment Details: Enter the details of the payment
      2. Payment Remarks: Enter any remarks. This will be included in the transaction summary.

    • Click Continue. You will be lead to a summary page where you can review details before submitting for approval.
    • Click Proceed to Submit. The request will then be submitted to the Approver to approve and review.

    *Note: Transfers between two foreign currency accounts will be processed within one (1) working day. Refer to the Baiduri b.Digital Business User Guide – ‘Transfers’ for more



Local Bank Transfers

  • 36. How do you create a Beneficiary for Local Bank?

    To submit a Local Bank Transfer, you must first create the beneficiary.

    • From the menu, select Beneficiary Management > Create Beneficiary
    • Beneficiary Type: From the drop-down list, select Domestic
    • Transfer To: Select Other Bank
    • Fill in the required fields:

      1. Beneficiary Nick Name: Enter something that you will remember for your reference
      2. Beneficiary Account Number: Enter the Beneficiary’s account number you will be transferring the funds to.
      3. Beneficiary Name: Enter the Beneficiary’s full name who will be receiving the funds. It is advisable to confirm with the Beneficiary the exact account name of the Beneficiary’s account.
      4. Beneficiary Address
      5. Beneficiary Country
      6. Telephone and Mobile Number (optional)
      7. Email Address (optional)
      8. Beneficiary Bank: select the recipient bank
      9. Bank Address: This is auto-populated depending on the Beneficiary Bank when selected
      10. Bank Branch: Leave this field blank as it’s not required.
      11. Bank code and Address: This field is auto-populated once the Branch is selected.

    Once completed, the beneficiary name and details will appear under the Beneficiary List. You will not be required to perform the above steps for this particular beneficiary again. Refer to the Baiduri b.Digital Business User Guide – ‘Create Beneficiary’ for more information.


  • 37. How do you submit a Local Bank Transfer with a Maker profile?

    • Login to Baiduri b.Digital Business.
    • From the menu, select Transfer > Create Single Payment.
    • Fill in the required fields:

      1. Your reference: Enter a reference so that you can identify the request.
      2. Payment method: Select Domestic.
      3. Choose Company: Select the Company account you intend to debit.
      4. Pay From: The list of accounts under the selected company will be available in the drop down list. This field contains Company Name / Account Number / Currency of the From Account / Bank Code.
      5. Payment Date: Set the date you prefer the payment to be made.

    • Enter the required Beneficiary fields:

      1. Transfer To: Select Other Bank
      2. Pay To: The list of accounts under the selected company will be available in the drop down list. This field contains the Company Name / Account Number / Currency /Bank Code.
      3. Payment Preference: Select either RTGS or ACH.
      4. Debit Currency and Payment Currency: This is auto-populated based on the account selected.
      5. Payment Amount: Enter the amount based on the Payment Currency. E.g. If payment currency is USD, enter the amount in USD.
      6. Debit Amount: This is calculated automatically based on the payment Amount.
      7. Amount Priority: For transfers with cross currencies, the Debit Amount will reflect the currency of the Pay From account and Payment Amount will be the currency the beneficiary will receive.

    • Enter the Payment Details in the required fields:

      1. Payment Details: Enter the details of the payment
      2. Payment Remarks: Enter any remarks. This will be included in the transaction summary.

    • Click Continue. You will be lead to a summary page where you can review details before submitting for approval.
    • Click Proceed to Submit. The request will then be submitted to the Approver to approve and review.

    Note: If you are sending the funds in BND, the system will automatically debit the amount from your account immediately.Transfers to a local bank foreign currency account will not be automatically deducted and will be processed within the same day.
    Refer to the Baiduri b.Digital Business User Guide – ‘Transfers’ for more information.

  • 38. What is the difference between RTGS and ACH Fund Transfers?

    RTGS is short for Real-Time Gross Settlement. These transactions will be processed on the same working day, provided they are submitted before the cut-off time. RTGS transactions will incur a BND15 fee.

    ACH is short for Automated Clearing House. These transactions will be processed at the end of the working day, provided they are submitted before the cut-off time. ACH transactions will incur a BND5 fee.

    Refer here for cut-off times.

    The above charges only apply to local bank transfers where the funds are sent in BND.
    Please note that transfers to a local bank foreign currency account will not be automatically deducted and will be manually processed within the same day. Different charges may apply.

  • 39. What happens if I submit a Local Bank Transfer after the cut-off time?

    If you submit a Local Bank Transfer after the cut-off time, you will be prompted to create a Scheduled Transaction. You will be required to select a Future Date or Standing Instruction for the transaction to be processed.

    If you select Future Date, the transaction will be processed on the day you specify.

    If you create a Standing Instruction, the transaction will be processed on a recurring basis following the frequency and start date you specify in your instruction.

    If the date of the future-dated instruction or standing instruction falls on a public holiday or weekend, the transaction will be processed on the next working day.

International Transfers

  • 40. How do you create a Beneficiary for International Transfers?

    To submit an overseas transfer, you must first create the beneficiary.

    • From the menu, select Beneficiary Management > Create Beneficiary.
    • Beneficiary Type: From the drop-down list, select International
    • Fill in the required fields:

    1. Beneficiary Nick Name: -Enter something you will remember for your reference.
    2. Beneficiary Account Number: Enter the account number of the Beneficiary Bank that you will be transferring the funds to. Depending on the country, you may be required to enter either the International Bank Account Number (IBAN) which consists of a combination of letters and digits, or a simple account number consisting of digits only. See below for some examples for specific countries:
      • Australia – 123456 12345678 (6-digit BSB number + 8-digit account number)
      • Singapore – 1234567890 (7 to 10 digits)
    3. Beneficiary Name: Enter the full name of the Beneficiary who will be receiving the funds. It is advisable to confirm with the Beneficiary the exact account name of the beneficiary’s account.
    4. Beneficiary Address: Enter the full exact address registered with the beneficiary’s bank. P.O Box addresses are accepted.
    5. Beneficiary Country
    6. Telephone and Mobile Number (optional)
    7. Email Address (optional)
    8. Bank Country: Select the country of the beneficiary’s bank.
    9. Bank: A list of selected banks are available in the drop down list. If you select a specific bank, all the other details will be auto-populated. Check the details of the beneficiary bank to ensure you have selected the correct bank. If the intended beneficiary bank is not available, select Others.
    10. Bank Name: If the Beneficiary Bank is Others, enter the Beneficiary bank’s name.
    11. Bank Address: If the Bank is ‘Others’, input the beneficiary bank address
    12. Bank Branch: This field appears if you have selected a specific bank. If the required branch is not available, select the Bank as ‘Others’ and provide the rest of the details manually.
    13. Bank code: Enter the swift code of the Beneficiary Bank and Branch you are transferring to.
    14. Address: If Bank is ‘Others’, enter the beneficiary bank’s address.

    Once completed, the beneficiary name and details will appear under the Beneficiary List. You can then start performing transactions with this beneficiary. Refer to Baiduri b.Digital Business User Guide – ‘Create Beneficiary’ for more information.
  • 41. How do you submit an International Transfer with a Maker profile?

    • Login to Baiduri b.Digital Business.
    • From the menu, select Transfer > Create Single Payment
    • Fill in the required fields:

      1. Your reference: Enter a reference so that you can identify the request.
      2. Payment method: Select International.
      3. Choose Company: Select the Company account you intend to debit from.
      4. Pay From: The list of accounts under the selected company will appear in the drop down list. The Pay From Field contains Company Name / Account Number / Currency of the From Account / Bank Code.
      5. Payment Date: Set the date you prefer the payment to be made.

    • Enter the required Beneficiary fields:

    1. Pay To: The list of accounts under the selected company will be available in the drop down list. This field contains the Company Name, Account Number, Currency and Bank Code.
    2. Debit Currency and Payment Currency: This is auto populated based on the account selected.
    3. Payment Amount: Enter the amount based on the Payment Currency. E.g. If payment currency is USD, input the amount in USD
    4. Debit Amount: This is calculated automatically based on the payment Amount.
    5. Amount Priority: For transfers with cross currencies, the Debit Amount will reflect the currency of the Pay From account and Payment Amount will be the currency the beneficiary will receive.
    6. Charges borne by: Select who should bear the charges from both Baiduri Bank and the Overseas Beneficiary Bank.

    • Enter the required Payment Details:

    1. Payment Details: Enter additional instructions the company would want instruct the bank for example special rate quoted.
    2. Payment Remarks: Enter any remarks. Thiswill be included in the transaction summary.

    • Purpose of Payment: Select the reason that most closely matches your purpose for this payment.
    • Click Continue. You will be lead to a summary page where you can review details before submitting for approval.
    • Click Proceed to Submit. The request will then be submitted to the Approver to approve and review.

    Kindly refer to User Guide- Transfers for more information.

  • 42. How do I transfer funds to Malaysia?

    To ensure your online transfers to Malaysia are promptly processed, please follow the guidelines as below:
     
    • Ensure the “Debit Currency” and “Payment Currency” indicated is in Brunei Dollars (BND). This is because Malaysian Ringgit (MYR) is a restricted currency, all fund transfers originating from Brunei to Malaysia must be settled in BND.
    • Ensure the “Payment Amount” indicated in BND is equivalent to the MYR value your beneficiary is meant to receive. For example, if you intend for your beneficiary to receive MYR10,000, please provide the BND equivalent using an indicative exchange rate for MYR on the day of transaction (e,g. 0.3300) i.e MYR10,000 * 0.3300= BND3,300.00
    • Telegraphic transfer requests to Malaysia submitted during public holidays and weekends for Brunei or Malaysia will only be processed on the next working day. The indicative MYR rate is subject to change as of the date and time of processing.
    • It is highly recommended to submit your telegraphic transfer requests only during working days from Monday to Friday, between 9:00am and 3:00pm.

  • 43. What happens if you submit an Overseas Transfer after the cut-off time?

    If you submit an Overseas Transfer after the cut-off time , your transaction will only be processed on the next working day .

    Refer here for cut-off times.
  • 44. When will the Beneficiary receive the transferred funds?

    If your transaction details are accurate and there are no issues detected by us and the Beneficiary Bank, the funds should be credited to your Beneficiary’s account from one to three working (1 – 3) days from the date of processing.

transactions
  • 45. What is Batch Payment?

    This feature allows customers to create batch payments for internal, local and international transfers, so that Approvers to approve the payments at one time.

  • 46. Can the company perform multiple transactions with a single request?

    Yes, you can create a batch payment under the ’Transfers’ section. Refer to Baiduri b.Digital Business User Guide for more information.

  • 47. Are there charges for using the batch payment service?

    There is no service fee for using the batch payment service, however fees for the individual’s local bank and international transfers are applicable.

  • 48. Will the company be charged for payrolls?

    Payrolls to accounts within Baiduri Bank are free of charge. See below for payroll fees:


    Processing fee per instruction

    BND5

    Transfer fee within Baiduri Bank

    Free of charge

    Transfer fee to other local banks (per bank)

    BND10

  • 49. Why do some transactions fail in the batch payment?

    There are several possible reasons for this:

    • There might be insufficient funds in your account to complete all the transactions at the time the batch payment is processed.
    • You may have exceeded your daily transfer limit. You can raise a request to the bank to increase your company’s daily transaction limit or re-attempt those failed transactions the next working day.
    • There might be an issue with the beneficiary accounts specific to those failed transactions, such as account dormancy. If this is the case, please advise those beneficiaries to contact the bank to check their account status

  • 50. Can I set a future date or scheduled instruction for my bill payment and fund transfer?

    Yes. Please note that fees are applicable for creating, amending or deleting a scheduled instruction. Refer to Baiduri Bank's General Tariffs

    Alternatively, you can use the free “Pay Later” feature, where you can select a later date for one-off Bill Payment, Fund Transfer or Prepaid Top Up.

    For all future-dated transfers or payments, please ensure that there are sufficient funds in your account when payments are due.

  • 51. How can I find out if a transaction is still pending approval?

    A user can check the status of transactions by viewing the dashboard under financial and non-financial transaction statistics table. See below:

  • 52. How do I find out if an approved transaction is successfully transferred?

    You can go to Transfers > Manage Transfers to check whether the transaction has been successfully transferred.

    For payroll transactions, you can go to Payroll > Payroll list to check if the transaction is successfully transferred.

    You can also check by going to your accounts under Accounts Overview > select the account > Transaction History.

  • 53. My company has 3 Approvers with different approval authority. Can any Approver authorize the transaction first?

    If a transaction requires multiple authorizers with different authority to approve a transaction, then the transaction will be sent to each authorizer sequentially.

    Eg. If a transaction requires approval from an authorizer in Group A and another authorizer in Group B, the transaction will first appear to the authorizer in Group A for approval. Once the transaction is approved by Group A user, only then will the transaction appear to Group B user for approval.



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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact our Customer Helpline at +673 2449666 or email us at [email protected]
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