Personal Overdraft

Ready cash access when you need it

Our Personal Overdraft gives you ready access to additional funds to meet any emergency needs.

Key Features


  • Same-day approval with complete documentation
  • Interest is only charged on the utilised portion of the overdraft amount
  • Maximum financing of up to 9x monthly net salary or BND25,000, whichever is lower*
  • Choice to renew the facility at least three months before maturity
  • Competitive interest rates

*Terms and conditions apply 

  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria

    • Brunei Citizen or Permanent Resident
    • Between 21 and 50 years of age
    • Employees of Brunei Government, semi-Government organization and private sector companies accepted by the Bank
    • Minimum monthly net salary of BND3,000 assigned to Baiduri Bank

  • Required Documents

    Required Documents

    • Brunei identity card
    • Latest pay slip
    • Confirmation of employment letter (where applicable)

    Other Terms & conditions apply

  • Fees & Charges

    Fees & Charges

    • Processing fee of BND200 Fee can be capitalized in the loan amount with an annual renewal fee of BND100

  • 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.

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