Big dreams grow with smart savings - Promotions

Big dreams grow with smart savings

Whether you're laying the foundation or building towards your dreams, let your savings move you forward and shape a better tomorrow.

From 25 August to 30 November 2025, open a new 12-month Fixed Deposit with fresh funds and earn chances to save on your next travel with the following prizes.

Terms and Conditions
Big dreams grow with smart savings” Terms and Conditions

1. Term

1.1. The “Big dreams grow with smart savings” Promotion (this “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2. Participation in this Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1. This Promotion is valid from 25 August 2025 to 30 November 2025, both dates inclusive, or such other date(s) as may be determined by the Bank at its absolute discretion (the “Promotion Period”).

3. Eligibility

3.1 This Promotion is open to new and existing customers of the Bank, who open and/ or maintain an active Savings or Current account (including joint accounts) and place a minimum of BND1,000 in fresh funds into a 12-month Brunei Dollar Fixed Deposit during the Promotion Period (“Eligible Customers”).

3.2 “Fresh funds” refer to funds that do not originate from any existing account with the Bank or Baiduri Finance Berhad, and exclude funds that were withdrawn and re-deposited within thirty (30) days prior to the deposit; salary or bonus amounts already credited to an account with the Bank before the Promotion Period; and accumulated savings from salary or bonus amounts already held with the Bank. For avoidance of doubt, salary or bonus amounts newly credited to an account during the Promotion Period shall only be considered “fresh funds” if they are transferred from another bank or financial institution.

3.3 Customers whose accounts are suspended, cancelled, or terminated during the Promotion Period or at the time of prize draw or disbursement will be disqualified.

3.4 Eligible Customers are not required to be Royal Skies members at the time of deposit but must be registered members before the prize disbursement date to remain eligible.

3.5 Employees of the Bank, Baiduri Finance Berhad, and Baiduri Capital Sendirian Berhad are not eligible for this Promotion.

4. Promotion Mechanics

4.1 Eligible Customers who place fresh funds into a 12-month Brunei Dollar Fixed Deposit during the Promotion Period will earn draw chances as follows:

a) Base entry chance – One (1) entry chance will be awarded for each qualifying placement of a minimum of BND1,000 in fresh funds into a 12-month Brunei Dollar Fixed Deposit, regardless of the deposit amount.

b) Bonus chances – In addition to the base entry chance, five (5) bonus chances will be awarded for every BND5,000 in fresh funds placed into a 12-month Brunei Dollar Fixed Deposit during the Promotion Period. Bonus chances are calculated on a per-placement basis and are cumulative.

4.2 Draw chances are calculated per placement. Examples are shown below:

Customer
Deposit amount
Entry chances
Bonus chances
Total chances
A
BND 13,000
1
10
11
B
BND 10,000
1
10
11
C
BND 5,000
1
5
6
D
BND 1,000
1
0
1
E
BND 50,000
1
50
51
F
BND 121,000
1
120
121

4.3 Draw chances earned under a joint account will be treated as a single entry under the joint account and will not be split or combined with individual accounts of the joint accountholders.

5. Lucky Draw

5.1. A total of twenty-four (24) winners will be selected across three (3) draws: two (2) Monthly Draws (October and November 2025) and one (1) Grand Draw (December 2025).

5.2. Cancellation or upliftment of the Fixed Deposit during the Promotion Period will result in the forfeiture of all draw chances earned from that deposit, and the customer will not qualify for the Monthly or Grand Draws. Customers who uplift their Fixed Deposit before the respective draw date will be disqualified from that draw.

5.3. Monthly Draw

5.3.1. Six (6) winners will be selected from each of the following Qualifying Periods:

Qualifying Period
Draw Date
25 August 2025 to 30 September 2025
10 October 2025
1 October 2025 to 31 October 2025
14 November 2025

5.3.2. The draws will be conducted using a computerised random system on the specified draw dates or such other date(s) as the Bank may determine at its sole discretion without prior notice.

5.3.3. Winners of the Monthly Draw are entitled to receive the following prizes:

Segment
Prize
Number of winners

From 25 August 2025 to 30 September 2025
Number of winners

From 1 to 31 October 2025
Mass Market/
Smart Executive
5,000 Royal Skies miles
Three (3)
Three (3)
Prestige
5,000 Royal Skies miles
Three (3)
Three (3)
5.3.4. Winners will be contacted via their registered phone number(s) within one (1) week after each Draw Date.

5.3.5. Winners from the October Draw are not eligible for the November Draw or vice versa, but they remain eligible for the Grand Draw.

5.4. Grand Draw

5.4.1. Twelve (12) winners will be selected from the following Qualifying Period:

Qualifying Period
Draw Date
25 August 2025 to 30 November 2025
12 December 2025

5.4.2. The Grand Draw will be conducted using a computerised random system on the specified draw date or such other date(s) as the Bank may determine at its own discretion without prior notice.

5.4.3. Winners from the Grand Draw are entitled to win one (1) of the following prizes:

Segments
Prize
Prize
Number of Winners

First Prize
150,000 Royal Skies miles
One (1)

Mass Market / Smart Executive
Second Prize
75,000 Royal Skies miles
One (1)

Third Prize
30,000 Royal Skies miles
One (1)

Fourth Prize
Fifth Prize
Sixth Prize
5,000 Royal Skies miles
Three (3)

First Prize

150,000 Royal Skies miles
One (1)

Second Prize

75,000 Royal Skies miles
One (1)

Prestige

Third Prize

30,000 Royal Skies miles
One (1)

Fourth Prize
Fifth Prize
Sixth Prize

5,000 Royal Skies miles
Three (3)

5.4.4. Winners will be contacted via their registered phone number(s) within one (1) week after the Draw Date to attend the prize presentation event.

5.5. If a winner is unable to attend in person, their authorised representative must present an original duly signed authorisation letter from the winner, a signed and dated copy of the winner’s identity card, and the authorised representative’s original identity card at the point of collection.

5.6. Prizes are not transferable or exchangeable for cash, credit, goods and services, products or privileges, or other kind in full or in part and are not refundable or replaceable.

5.7. Royal Skies miles will be credited within three (3) weeks after the Promotion Period.

5.8. Royal Skies Miles are subject to the Royal Skies Programme terms and conditions available at www.flyRB.com.

5.9. The Bank reserves the right to draw reserve winners to replace disqualified or ineligible winners.

5.10. By participating in this Promotion, winners consent to the Bank using their name and photograph for publicity purposes related to this Promotion, including marketing activities in print, digital, and social media, for a reasonable period determined by the Bank.

6. General

6.1. This Promotion is governed and subject to the Bank’s terms and conditions on the related products and any other documents forming the banking agreement.

6.2. The Bank may, at any time and without prior notice or liability to any party, suspend or terminate this Promotion or vary any of the Terms of this Promotion.

6.3. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion. Its determination of all matters relating to this Promotion shall be final and conclusive, and no correspondence will be entertained.

6.4. This Promotion is not valid with other offers, privileges, or promotion unless stated otherwise.

6.5. By participating in this Promotion, Eligible Customers consent to the collection, use and disclosure of their personal data by the organisers, promoters, or conductors of this Promotion, as well as by other third parties, for purposes related to this Promotion, in accordance with the Group Privacy Policy. Eligible Customers confirm that they have read and agree to the terms of the Group Privacy Policy, as may be amended, supplemented, or substituted by the Bank from time to time, a copy of which is available at www.baiduri.com.

6.6. In the event of any discrepancy between the Terms and any promotional materials relating to this Promotion, the Terms shall prevail.

6.7. The Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.

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