With effect from 31 October 2023, the Business I-Banking service will be terminated and will be replaced by our new Baiduri b.Digital Business service. To help you with your transition, email us at [email protected].
Destination dupes and the best budget hacks for your travel this year
As you think about your travel plans for the year, here are five hacks to stretch your budget further.
Travel is back! If you visited any popular destinations in the last two years, you’ve probably realised that they were more crowded than usual. Or have you noticed that pretty much everyone on your social media feed is posting about their travel?

The narrative is clear when you look at the numbers. International tourism ended 2023 at 88 percent of pre-pandemic levels, according to the first UNWTO World Tourism Barometer of the year.

Whether your goal is to see the Olympics, your favourite pop singer perform or to explore new countries, many are already thinking about where they want to travel next and putting these plans in motion.

Even with travel back on the cards for many, the reality is that many are faced with balancing their desire to travel with the increased cost of living. surveyed 27,000 travellers across 33 countries for its 2024 travel predictions, and 62 percent of respondents said the increased cost of living will play a limiting factor in their travel plans this year.

For more on inflation and its impact, read our article on Higher prices, lower income: Winning the race against inflation.

As you think about your travel plans for the year, here are five hacks to stretch your budget further.

1. If you fail to plan, you plan to fail
This well-known saying holds true for travel as well, and planning well ahead of time will ensure you maximise your trip budget. Flights are typically cheaper when you’re further out from your vacation. Plus, if you’re planning to travel during a popular period like Ramadan, the school holidays or the popular summer months in the Northern Hemisphere, you probably need to book your accommodation in advance.

2. Destination dupes
This was one of the biggest TikTok trends that emerged last year, and it looks set to continue this year. The idea is to look for “dupes” or less touristy options to popular destinations. Some examples in Asia include Komodo Island instead of Bali, Malacca instead of Kuala Lumpur and Taipei instead of Seoul. Alternatively, pick a destination closer to home as flights will usually be cheaper and spending less days away means you won’t spend as much money.

3. Getting the most bang for your buck
Picking a destination based on its favourable exchange rate can help stretch your travel budget further. Exchange rates can change quickly, but the past year has seen Japan, Australia and Malaysia top the list of most popular destinations based on the weakness of its currency relative to the Bruneian dollar. Having a foreign currency savings account can also make it easier to manage and maintain your travel transactions. This is a not widely known but Baiduri Bank’s multi-currency ATM at the Brunei International Airport (BIA) allows you to withdraw other currencies without lining up at the bank. Available currencies include the US dollar, Euro and the Singapore dollar.

4. Travel like a local
Start by looking through travel blogs or local guides for ideas on where to stay. For example, staying in an apartment, versus a hotel, or exploring local neighbourhoods instead of touristy areas, will allow you to stretch your dollar further. By staying in a local area, you can discover lesser-known gems. It also allows you the opportunity to strike up conversations with locals and you can ask for recommendations on where to shop and eat. Often, there are free cultural activities or discounted entries that you may not know about. Finally, take public transport. Avoiding tour buses and taxis not only saves you some money but you will also gain a deeper understanding of your destination by fully immersing yourself in local culture.

5. Banking on perks and promotions
Many use their credit cards for travel but how beneficial is it really? It is safer and more secure, plus you get to earn bonus points or Royal Skies miles that could translate into travel perks. For example, if you have a Royal Brunei Visa Infinite Credit Card or Royal Brunei Visa Platinum Credit Card, perks include up to 7 kg extra baggage allowance, special rates for the Sky Lounge at BIA and earning Royal Skies miles for everyday spending.

Here are the main takeaways

Revenge travel might be a thing of the past two years, but people are still making up for the lost pandemic years. To maximise your travel budget, start planning early, consider destinations closer to home, experience a city like a local and find out what travel benefits your credit card offers.
If you’re dreaming of saying “Bonjour, Paris” this year and checking out the city of lights, watch out for our upcoming promotion with Visa. If you spend B$100 in a single receipt with your Baiduri Visa Credit or Debit Card, you stand a chance of winning an all-expenses paid trip to the Olympic Games Paris 2024 for 2 adults.
Secure Online Payments With Baiduri UnionPay Debit Cards.
Share this page
Other good reads
Can't find what you are looking for? We are here to help you.
Get in touch
We are here to help you. Contact our customer support team if you have any further questions. Here are ways you can get in touch with us.

Subscribe to our newsletter

* indicates required
I am interested in
Baiduri Bank © 2024 All rights reserved. Legal Notice
You are about to enter a third party website & Baiduri Bank Group's privacy policy will cease to apply.
Baiduri Bank Group makes no warranties as to the status of this link or information contained in the website you are about to access.

Do you wish to proceed?
Click to login to our user-friendly online banking sites.
Please select one of the below

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.

Generic Popup