Grow your wealth, one deposit at a time - Promotions

Grow your wealth, one deposit at a time

Enjoy higher returns compared to regular savings accounts.

From now until 31 March 2026, enjoy the attractive rates below with a minimum deposit of BND1,000 in fresh funds in a Fixed Deposit.

Terms & Conditions
Grow your wealth, one deposit at a time Terms and Conditions:

1. Term

1.1 The “Grow your wealth, one deposit at a time” (the “Promotion” ) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is governed by these terms and conditions (the “Terms”).

1.2 Participation in the Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1 The Promotion is valid from 2 March 2026 to 31 March 2026 (both dates inclusive), or such other date(s) as may be determined by the Bank at its discretion (the “Promotion Period”).

3. Eligibility

3.1 This Promotion is open to new and existing customers of the Bank who are individuals aged eighteen (18) years and above (“Eligible Customers”).

3.2 Customers aged twelve (12) to seventeen (17) years may participate only through a joint account held with an Eligible Customer.

3.3 Eligible Customers must open and/or maintain an active Savings or Current Account with the Bank and place a minimum of BND1,000 in fresh funds into a 12-month or 24-month Fixed Deposit during the Promotion Period.

3.4 “Fresh funds” refer to funds not transferred from any existing account with the Bank or Baiduri Finance Berhad, and exclude any amount withdrawn and re-deposited within thirty (30) days prior to placement. Funds transferred from another bank or financial institution qualify as fresh funds.

3.5 Eligible Customers may make additional placements in minimum increments of BND1,000, subject to a maximum of two (2) Fixed Deposit contracts per customer under this Promotion .

3.6 Customers whose accounts are suspended, cancelled, closed, or terminated during the Promotion Period will be disqualified.

4. Promotion Mechanics

4.1 Eligible Customers may place a minimum of BND1,000 and up to BND1,000,000 (fresh funds only), subject to Clause 3 (Eligibility). The promotional interest rates apply per individual placement amount as follows:

Fresh Funds Amount
12-month
24-month
BND50,000 and above
1.38% p.a.
1.68% p.a.
Below BND50,000
1.08% p.a.
1.28% p.a.

4.2 The interest rates stated above are fixed , provided the deposit is held until maturity.

4.3 Interest will be calculated on a daily basis based on a 365-day year (or 366-day year where applicable) and credited upon maturity.

4.4 Upon maturity, the Fixed Deposit will automatically renew at the Bank’s prevailing board rate for the same tenure unless the customer provides alternative instructions prior to maturity.

4.5 In the event of premature withdrawal (upliftment), a BND20 handling fee will apply together with an early upliftment penalty fee of BND10 or 1% of the principal amount (whichever is higher). All accrued interest will be forfeited.

4.6 Fixed Deposits placed under this Promotion shall not be pledged, assigned, or used as collateral or security for any facility, including any credit card lien arrangement.

5. General

5.1 The Promotion is subject to the Bank’s standard terms and conditions governing its products and any relevant documents forming the banking agreement.

5.2 The Bank reserves the right to amend, suspend, or terminate this Promotion, or vary these Terms, at any time where reasonably necessary.

5.3 The Bank’s determination of all matters relating to the Promotion shall be final and conclusive.

5.4 In the event of any inconsistency between these Terms and any promotional materials relating to the Promotion, these Terms shall prevail.

5.5 By participating in the Promotion, Eligible Customers consent to the collection, use and disclosure of their personal data by the Bank for the purpose of administering the Promotion, in accordance with the Bank’s prevailing privacy notice, as amended from time to time, available at www.baiduri.com.

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

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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.

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