Notice
Reduced fee for ACH (Automated Clearing House) or Direct Credit for transactions processed through Baiduri b.Digital Personal or Business effective 1 January 2024.

OVERVIEW
Free yourself from the hassle of multiple payments and take advantage of greater savings when you choose to consolidate your borrowings with us.

Key FEATURES AND Benefits

  • Potential interest savings over the repayment period
  • Only one repayment to manage each month
  • Effective Interest Rate of 7.50% p.a.*
  • Maximum loan period of up to 10 years*

*Terms and conditions apply 

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

    Eligibility Criteria

    • Brunei Citizen or Brunei Permanent Resident
    • Employees of the Brunei Government, semi-Government organisations and private sector companies accepted by the Bank
    • Existing total debt service ratio must exceed 60%
    • Only applicable to facilities granted before 8 June 2015 and under the name of applicant may be consolidated.

    Above criteria is subject to Baiduri Bank’s internal credit policy assessment.

  • Required Documents

    Required Documents

    • Valid Brunei identity card
    • Latest salary slip
    • Last 3 - 12 months account statements if salary account is with another bank
    • Confirmation of employment letter for applicants under the employment of the Army, Police, Gurkha Reserve Unit, semi-Government organisations and private companies
    • Details and balance of loans to be consolidated

    Other Terms & conditions apply

  • Fees & Charges
  • Terms & Conditions

    Terms & Conditions

    • Assignment of Salary/Income is required.
    • With the exception of Mortgage Loan, all credit facilities granted under the name of the customer before 8 June 2015 may be consolidated.
    • 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.
    • No cash out may be given in addition to the applicant’s aggregate outstanding balance to be consolidated.

I would like to apply
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.

Ooops!
Generic Popup