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b.Digital Personal
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  • 1. What is Baiduri b.Digital Personal?
    It is our upgraded online banking platform which includes the web (desktop) version as well as the mobile app. It also includes a new Lifestyle section where you can stay up-to-date with our Promotions and enjoy great eCoupon deals.
  • 2. What can I do on Baiduri b.Digital Personal?
    Some of the key features include:
    • Fund Transfers (within Baiduri, other banks and abroad)
    • Bill Payments
    • Top Up (Prepaid mobile credits, electricity etc)
    • Lifestyle (purchase eCoupons for yourself or as a gift to others)
    • Service Requests (e.g. cheque book requests)
    • Financial Tools (Loan and Financial Planning Calculators, Exchange Rates, Deposit Rates)
  • 3. What do I need to access Baiduri b.Digital Personal?

    To access the web version, you will need to have one of the internet browsers 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 Personal mobile app, you will need one of the following minimum 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 Personal secure?

    With security features such as Push Notifications, Soft Token, mPIN and Biometric login, you can be assured that your account details and transactions are protected. In addition, we use the industry standard 128-bit strong SSL encryption to protect your confidential data. An automatic timeout feature will ensure you are logged out when your account is idle for more than five (5) minutes.

  • 5. Can I use the mobile app on more than one device?

    No. For security reasons, you can only use the app on one mobile device. If you wish to switch your mobile device, you will need to de-register the app from your existing device and re-register it on your new device.

  • 6. Who can apply for Baiduri b.Digital Personal?
    You need to be at least 15 years old and maintain at least one of the following products with Baiduri Bank Group:
    • Baiduri Bank Passbook Savings Account
    • Baiduri Bank Statement Savings Account
    • Baiduri Bank Current Account
    • Baiduri Bank 1-Account
    • Baiduri Finance Multi-Tier Savings Account
    • Baiduri Finance Multi-Rate Savings Account
    • Baiduri Credit Card
    • Baiduri Mastercard CashCard

    Note: Applicants below 18 years of age will require an indemnity agreement to be signed by their parent or guardian to open the account stated above in order to access b.Digital Personal.
  • 7. I’m not a Baiduri customer. Can I register for Baiduri b.Digital Personal? What would I be able to access?
    Yes. You will be able to register for the mobile app through your Facebook or Twitter account. You will only be able to view details on Promotions, Baiduri Exclusives and eCoupons on the app. If you receive an eCoupon as a gift, you will also be able to redeem it using the app.
  • 8. What if I encounter difficulty in using Baiduri b.Digital Personal?
    If you encounter any issues, call our 24-hour Customer Helpline on 244 9666 or email [email protected].
  • 9. What do I do if I lose my mobile device where the app is installed?
    Please call our 24-hour Customer Helpline at 244 9666 to inform that you have lost your mobile device and we will disable the access to your Baiduri b.Digital Personal account.
  • 10. Can I access b.Digital Personal Mobile App overseas?

    You have to ensure that the first-time registration for Baiduri b.Digital Personal is done with your registered mobile number in our system. Thereafter you may access the service (web and mobile app) overseas so long as you have a stable internet connection. If you encounter any issues in registering, please call our Baiduri Customer Helpline at 2449666 or email at [email protected]


REGISTRATION

For New Users

  • 11. How do I register for Baiduri b.Digital Personal Mobile App?
    • Download Baiduri b.Digital Personal Mobile App from Google Play Store or App Store.
    • Tap on “Register”.
    • Choose to register using Account, Card or Hire Purchase details. Once your preferred method of registration is selected, a One-Time PIN (OTP) will be sent to your registered mobile number. Enter the OTP.
    • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
    • Upon successful OTP authentication, you will be prompted to create your Display Name.
    • Click “I agree” to accept the Terms and Conditions.
    • Create and reconfirm your 6-digit mPIN to login.
    • Create your new User ID and password. Password should contain at least one uppercase, one lowercase, one number and one special character
  • 12. How do I register for Baiduri b.Digital Personal web version?
    • Download Baiduri b.Digital Personal Mobile App from Google Play Store or App Store and register in the app (see Q9 above for steps). · Go to www.baiduri.com and click on Baiduri b.Digital Personal login button
    • On the login page, click “Register”.
    • Choose to register via Account, Card or Hire Purchase details. Once your preferred method of registration is selected, a One-Time PIN (OTP) will be sent to your registered mobile number .Enter the OTP.
    • If you do not receive your OTP via SMS, a “Resend OTP” button will appear after one minute.
    • Upon successful OTP authentication, the Terms and Conditions page will appear. Click “I agree” to accept.
    • Create your new User ID and Password. Password should contain at least one uppercase, one lowercase, one number and one special character.
    • Upon successful creation of your User ID and Password, you will need to sign on to the mobile app to activate your Soft Token.
  • 13. What is a 2nd level authentication?

    A 2nd level authentication is a one-off authentication for newly registered users of Baiduri b.Digital
    Personal before the first transaction can be performed. Users would need to key in their Baiduri Bank Credit or Debit Card Number followed by the PIN. Once authentication is successful, users will be able to start performing transactions on the platform.

  • 14. What if I don’t have any Baiduri Credit or Debit Card to be used for 2nd level authentication?

    Please call our 24-Hour Customer Helpline at 244 9666 to activate the 2nd level authentication.

For Existing Baiduri b.Digital Personal User


AUTHORIZATION METHODS

TRANSACTION & PAYMENTS

FUND TRANSFERS

Local Bank Transfers

  • 35. How do I submit a Local Bank Transfer?

    • Login to b.Digital Personal.
    • Select on ‘Fund Transfer’ on the left hand menu.
    • Select on the option ‘Local Bank’.
    • Either select on ‘Adhoc’ to create a new beneficiary or select from your existing beneficiary list.
    • Select the FROM account you wish to debit from and complete all the fields. Please refer to question no. 37 for more details.
    • Select ‘RTGS’ or ‘ACH’ to indicate the preferred method of transfer. Please refer to question no. 36 for more details.
    • The Review page will appear for your confirmation.
    • Select ‘Confirm’ to proceed with the request.
    • The mPIN page will appear to for verification purposes. Enter your 6-digit PIN to complete the request.

  • 36. What is the difference between RTGS and ACH?

    RTGS is the term for Real-Time Gross Settlement. ACH is the term for Automated Clearing House.

    RTGS transactions submitted before the cut-off time at 12:00pm (Monday to Friday) or 10:00am (Saturday) will be processed on the same day. The charge for an RTGS transaction is BND15.00.

    ACH transactions submitted before the cut-off time at 12:00pm will be processed at the end of the day. The charge for an ACH transaction is BND5.00.

    Following the press release issued by Autoriti Monetari Brunei Darussalam (AMBD) on 29 September 2020, the fee waiver for online interbank fund transfers will be extended for another six months until 31 March 2021.

  • 37. What information must I provide for a Local Bank Transfer?

    You will be required to provide the following information:

    • 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 account that you are transferring to.
    • Beneficiary Display Name – This is the display name that will appear in your Beneficiary list for your future use.
    • Beneficiary Bank – select the Beneficiary Bank that you will be transferring the funds to.
    • Beneficiary Account Number – enter the account number of the Beneficiary Bank you will be transferring the funds to.
    • Currency – select the Currency of the Beneficiary’s account that you will be transferring to. For example, if you are transferring to a BND account with a local bank, select the Currency as BND*.
    • Amount – Enter the amount based on the Currency you have selected. For example, if you select Currency as BND, enter the amount in BND.
    • Payment Description – Input any details of the transaction you wish to capture. This information will appear in your Transaction History.

    *Please note that if you are sending the funds in BND, the system will automatically debit the amount from your account immediately.

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

    If you submit a Local Bank Transfer after the cut-off time at 12:00pm (Monday to Friday) you will be prompted to create a Scheduled Transaction and select a Future Date / Standing Instruction for the transaction to be processed.

    If you select Future Date, the transaction will be processed on the day you specify. If the specified date is a public holiday or weekend, the transaction will be processed on the next working day.

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


Overseas Transfers

  • 39. How do I submit an Overseas Transfer?

    1. Login to b.Digital Personal.
    2. Select on ‘Fund Transfer’ on the Left hand menu.
    3. Select on the option ‘Overseas Bank.
    4. Either select on ‘Adhoc’ to create a new beneficiary or select from your existing beneficiary list.
    5. Select the FROM account you wish to debit from.
    6. Complete all the fields and select ‘Next’. Please refer to Question No. 38 for more details.
    7. The Review page will appear for your confirmation.
    8. Select ‘Confirm’ to proceed with the request.
    9. The mPIN/Securecode page will appear to for verification purposes. Please enter your 6-digit mPIN to complete the request. If you are submitting the request via the Baiduri b.Digital Personal on desktop, please input the 6 digit Securecode generated from the soft token on the b.Digital Personal Mobile App.

  • 40. What information must I provide for an Overseas Transfer?

    You will be required to provide the following information:

    • Beneficiary Name – Please 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 account that you are transferring to.
    • Beneficiary Display Name – This is the display name that will appear in your Beneficiary list for your future use.
    • Beneficiary Address – Please enter the full exact address registered with beneficiary’s bank. P.O Box will not be accepted.
    • Telephone Number – Please provide your contact number.
    • Currency of Remittance – Please select the Currency of the funds you want your Beneficiary to receive. For example, if the Currency of Remittance selected is USD, the Beneficiary Bank will receive the funds in USD.
    • Charges borne by – Please select who should bear the charges from both Baiduri Bank and the Overseas Beneficiary Bank
    • Beneficiary Bank – Please select the Beneficiary Bank that you will be transferring the funds to. If the bank does not appear in the list, please select ‘Others’ and enter the bank name.
    • Beneficiary Account Number – Please enter the account number of the Beneficiary Bank you will be transferring the funds to. Depending on the country you are transferring to, 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. Some examples for specific countries are as follows:

      • o Australia – 123456 12345678 (6-digit BSB number + 8-digit account number)
      • o UK – GB12XXX123456789012345 (IBAN – 2-character country code + Swift code + account number)
      • o Singapore – 1234567890 (7 to 10 digits)

    • Swift Code – Enter the Swift code of the Beneficiary Bank and Branch you are transferring to.
    • Bank Branch – Enter the specific name of the branch that manages the beneficiary’s account.
    • Branch Address – Enter the location address of Beneficiary Bank Branch.
    • City – Enter the city where the Beneficiary Bank Branch is located.
    • Country – Select the country where the Beneficiary Bank Branch is located.
    • Currency – Select either ‘in BND’ or ‘In Currency of Remittance’.
    • Amount – Enter the amount based on the Currency you have selected. For example, if the ‘Currency of Remittance’ is ‘USD’, and ‘Currency’ is selected as ‘In Currency of Remittance’, enter the amount in USD.
    • Payment Description – Provide details of the transaction you wish to capture. This information will appear in your Transaction History.
    • Remittance Reason – Select the reason that most closely matches your purpose for this payment.

  • 41. 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 “Currency of Remittance” and “Amount” indicated is in Brunei Dollars (BND), As Malaysian Ringgit (MYR) is a restricted currency, all fund transfers originating from Brunei to Malaysia must be settled in BND.
    • Ensure the “Amount” indicated in BND is equivalent to MYR value your beneficiary is 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.

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

    If you submit an Overseas Transfer after the cut-off time of 3:00pm (Monday to Friday) or 10:00am (Saturday), your transaction will only be processed on the next working day.

  • 43. When will my Beneficiary receive the 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 days from the date of processing.

  • 44. What is the maximum number of transactions I can make under Multiple Fund Transfers and Bill Payments?

    You can make up to 5 Multiple Transactions at a time.


BILL PAYMENTS

Quick Balance

SAVINGS GOAL




ecoupons
  • 53. What are eCoupons?

    eCoupons are digital coupons available on Baiduri b.Digital Personal Mobile App under the Lifestyle Offers section that allows you to redeem attractive deals at participating merchant outlets across Brunei.

  • 54. How does eCoupon work?

    eCoupons can be purchased through the mobile app using Baiduri Credit Cards. You can also choose to send it as a gift to anyone who downloads the mobile app. If the recipient is not a Baiduri customer, he or she will need to register for the app using Facebook or Twitter account.

  • 55. How do I redeem eCoupons?

    At the merchant point-of-sale, scan the QR code displayed with the QR code scanner within the eCoupon that you have purchased.

  • 56. Can I send an eCoupon as a gift to my friend?

    Your friend will get an email notification that he has been gifted an eCoupon. If he is not a Baiduri b.Digital Personal Mobile App user yet, he will need to register with the App in order to accept the eCoupon. Redemption details will be provided in the notification email.

  • 57. How will the eCoupons be reflected on our Card Statements?

    Your transactions will reflect on your statements as “E-COUPON PURCHASE”.

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