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.

I am interested to find out more


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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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