Reduced fee for ACH (Automated Clearing House) or Direct Credit for transactions processed through Baiduri b.Digital Personal or Business effective 1 January 2024.

  • Where can I find a Western Union?
    Western Union Money Transfer service is available at all Baiduri Bank branches nationwide except Kiulap branch and The One branch.
  • Who uses the Western Union Money Transfer Service?
    Anyone who needs to send or receive money in a fast, convenient and reliable manner.

    • Those who support relatives or friends.
    • Travelers in emergency situations.
    • Someone sending money as a gift.

  • How do I send money?
    1. Western Union Money Transfer is available at all Baiduri Bank branches except for Kiulap branch and The One branch. Branches are open from 9.00 am till 4.00pm (Monday to Friday) and Saturday 9:00am till 11:30a.m. All branches are closed from 12:00pm till 2:00pm on Fridays.
    2. If you haven’t done so, complete a Western Union Gold Card application form and submit along with your original valid government-issued photo identification. 
    3. Hand in your payment together with the necessary fees in cash to our teller. 
    4. Our teller will then give you a receipt and your Money Transfer Control Number (MTCN). 
    5. Sign on the receipt. Your transaction is complete. 

    Relay the necessary information to your beneficiary, such as the sender’s name, amount sent, MTCN and the country the money was sent from. In the case of Direct to Bank service, the money will be transferred to the beneficiary’s bank account.

    If you have a Western Union Gold Card, you can send money through Western Union simply by presenting your card along with your original valid government-issued identification to the teller. Provide details of your beneficiary as required. The process after this is the same as steps 3 to 6 above. 

    In case of a new beneficiary, please ask for the “New Instruction” form and fill in your beneficiary’s information and the country of remittance.
  • What do I need to bring in order to send money?

    Bring your current original valid government-issued photo identification along with your Western Union Gold Card and cash to cover your payment and fees. In the absence of a Brunei Identity Card, your original passport must be presented for sighting purpose.

  • How much money can I send?

    Western Union, based on information from the Ministry of Finance (“MOF”), has rules on the sending limit and may enforce these rules anytime. So it is advisable to check your local Western Union agent for details. In other countries, you may send as much as you wish. However, for certain amounts to certain countries, you may be asked to provide additional information or documentation.

  • When can I send money?

    Western Union Money Transfer is available at all Baiduri Bank branches except for Kiulap branch and The One branch. Branches are open from 9.00 am till 4.00pm (Monday to Friday) and Saturday 9:00am till 11:30a.m. All branches are closed from 12:00pm till 2:00pm on Fridays.

  • How do I know if my money transfer has been received?

    If you have provided a valid mobile number at the point of transaction, you will receive an SMS notification from Western Union when your transfer has been processed or picked up. Alternatively, you can call the Western Union toll-free number 8014572 to enquire.

  • Does Western Union offer any kind of protection for online auctions and other transactions?

    No. Remember to protect yourself and never send money to someone you do not know. If you suspect you have been scammed, contact us immediately at our 24-hour Customer Helpline at 244 9666.

Receiving Money
  • How do I collect my money?
    1. Visit your nearest Baiduri Bank branch except Kiulap branch and The One branch. . 
    2. Complete the ‘To Receive Money’ form and hand it to the teller with your current original valid government-issued photo identification and Money Transfer Control Number. 
    3. You’ll be given a receipt. Read through it thoroughly and then sign on it. 
    4. The teller will hand you the receipt and your money.
  • What do I need to bring in order to collect my money?

    Please get these details ready:

    1. The sender’s full name (first, middle and last names).
    2. The country where the money was sent. 
    3. The amount that was sent. 
    4. The Money Transfer Control Number (MTCN). 
    5. Your government-issued identification with photo. 

  • How do I find out if my money is ready to be collected?

    Simply locate the ‘Tracking’ link on the homepage of Western Union ( website. Then type in the sender’s name and Money Transfer Control Number. We’ll then update you on the latest status of your money transfer.

    Generally, money transfers are paid in cash. However, in some foreign countries, in some cases, we may use a money transfer cheque or pay-out card.

It is important that you protect yourself from fraudsters who are out to get your money. Always make sure you know who you are sending money to. If you are purchasing goods or services through Western Union, it is your responsibility to verify the legitimacy of the seller. We are not responsible for the quality or non-receipt of any goods or services.

Below are some frequently asked questions about fraud. For more information, please visit the Anti-Fraud section on Western Union’s website.
  • Are there common fraud scenarios that I should be aware of?

    Yes. Some common scenarios include:

    Being required to pay a fee before receiving a loan; Sweepstakes, prize, or lottery company representatives who tell you to transfer money to them in order to claim a prize you have won (there are many companies running fraudulent contests. They require you to transfer them money but give you nothing in return)

    Unsolicited letters or e-mails from Nigeria or other foreign government officials requesting assistance to transfer funds from a foreign country into your bank account. 

    Telephone calls from the police claiming someone you know has been in an accident or arrested and money is needed.

    Unsolicited letters or e-mails offering an unrealistic price for expensive or difficult to find items.

  • Someone claiming to be from Western Union e-mailed me. What should I do?

    If you receive an e-mail from anyone claiming to be from Western Union and you are unsure about it, do not click on any links in the mail. This may be a "phishing" attempt to acquire sensitive information from you. Instead, immediately forward the suspicious mail to [email protected].

    Western Union will never send you e-mails to ask for your user ID, password, or credit card details.

  • Can the Test Question feature secure my funds or delay payment of a transaction?

    The ‘Test Question’ feature is designed for emergency situations where the receiver does not have proper identification (e.g., his or her wallet and identification have been stolen). It should never be used as additional security or to delay payment. In many places, we will pay the receiver whenever the receiver shows proper identification, even if he/she does not know the answer to the question.

  • Does Western Union offer an escrow service or any kind of buyer protection?

    No. Our business is to transfer funds from a sender to a receiver. When using our services, we caution you against sending money to strangers. It is the sender's responsibility to know the party to which the funds are being sent. Using a fictitious name or changing the receiver's name after the money transfer has been sent is not a guaranteed means of securing funds. If a receiver presents proper identification with the same name as on the money transfer, payment will be made.

    We are not an escrow service, should not be used as an escrow service, and are currently not affiliated with any escrow services.

  • What should I know about purchasing from online auctions?

    For online auctions, examine feedback about the seller carefully and know the warning signs associated with fraudulent auction sales. Most online auction sites have safety guidelines or FAQs that can help you identify potentially fraudulent sales. Be wary if the seller is using a free email address or insists on accepting only one form of payment. Report any suspicious activity and file non-delivery of goods complaints with the auction site through which you purchased the item.

    Remember that Western Union never acts as a guarantor of an auction buyer or seller's performance.

  • What can I do if I suspect fraud or am a victim of fraud?

    Contact your government's Office of Consumer Affairs and police station if you are uncertain or suspicious of a telephone, mail, or e-mail solicitation.

    If you feel you have been a fraud victim, you contact your local police immediately.

  • What additional tips should I keep in mind?

    Always make sure you know who you are sending money to. If you are purchasing goods or services through Western Union, it is your responsibility to verify the legitimacy of the seller. We are not responsible for the quality or non-receipt of any goods or services.

    Discontinue a call if a caller coaches you to respond to questions asked by Western Union.

    Security is everyone's responsibility. Stay informed. Keep abreast of new fraud trends. Remember, if it seems too-good-to-be-true, it probably is.

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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.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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