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

Whether you are thinking of buying an investment property, funding a new business venture or getting ready for your wedding, a Baiduri Personal Loan can help fulfill your needs.

Key Features


  • Provide flexibility to meet various financial needs
  • Features fixed monthly repayment schedule for effective budgeting
  • Provides quick access to funds
  • Offer the option of salary assignment* for added convenience
  • Loan tenure extends up to 6 years*
  • Qualify for loan amount of up to 18 times net monthly income

*Terms and conditions apply
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria
    • Minimum age is 21 years old
    • Maximum age at the end of loan term is 70 years old
    • Full-time employee of the Brunei Government, semi-Government organization or private company; OR
    • Pensioner* with monthly net income not less than BND500 for local and BND2,000 – BND2,500 for foreigners**; OR
    • Individual receiving Brunei Government house rental income of BND2,000 and above.

    * Not applicable to old age pension recipients.
    ** With valid passport and Employment Pass permit.

    Above criteria is subject to Baiduri Bank’s internal credit policy assessment.
  • Required Documents

    Required Documents
    To facilitate your loan application process, please ensure you have the following documents ready:

    • Valid Brunei Identity Card (IC)
    • Valid passport with a valid Employment Pass permit*
    • Latest salary slip
    • Last 3 months' account statements (if your salary account is with another bank)
    • For employees of private companies, proof of regular salary credits in the preceding 12 months must be provided
    • Latest Certificate of Balance and/or Clearance Letter (if your salary account is with another bank)
    • Confirmation of employment letter is required for applicants under the employment of the Army, Police, Gurkha Reserve Unit, semi-Government organizations, and private companies

    *Applicable for individuals holding foreign passports.
  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • Approval is subject to the Bank’s credit assessment policies.
    • All Lending rates are quoted at Effective Interest Rate regardless of method of computation used.
    • Effective Interest Rate is pegged to the Bank’s Prime Lending Rate. Any change in Prime Lending Rate will result in a change in the applicable interest rate.
    • Personal Loan top-up is permitted after 50% of the original personal loan credit facility tenor has lapsed and subject to satisfactory repayment records.

I would like to apply
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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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