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PERSONAL I-BANKING
FREQUENTLY ASKED QUESTIONS
What is Baiduri Personal i-Banking?
Baiduri Personal i-Banking is a safe and secure service which allows you to perform your banking transactions online. With Baiduri Personal i-Banking, you can manage your finances 24 hours a day, 7 days a week from the comfort of your home or office, or virtually anywhere in the world.

What do I need to access Baiduri Personal i-Banking service?
You will need Internet access and a personal computer with Internet browser software running either Chrome 13.0, Mozilla Firefox 3.6, Safari 5.0 or Internet Explorer 9.0 and above.

Who can apply for Baiduri Personal i-Banking?
To enjoy the convenience of Baiduri Personal i-Banking, you need to be at least 15 years old and maintain one or more of the following accounts with Baiduri Bank Group (Terms & Conditions apply):

  • Baiduri Bank Passbook Savings Account
  • Baiduri Bank Statement Savings Account
  • Baiduri Bank Current Account
  • Baiduri Bank 1-Account
  • Baiduri Finance Multi-Tier Savings Account
  • Baiduri Finance Multi-Rate Savings Account
  • Baiduri Credit Cardholder (for viewing of online credit card statements only - must be 18 years above to apply with a Baiduri Credit Card)
  • Baiduri MasterCard Cash Card (for viewing of online Cash Card statements only).

Note: Applicants below 18 years of age will require an indemnity agreement to be signed by their parent or guardian.

 
How do I register for Baiduri Personal i-Banking?
Registration is free and can be done at Online, through the Baiduri i-Banking Mobile App, at E-Banking Centre or at any Baiduri Bank branch. You can also download the form online. Please contact our E-Banking Centre at 244 9666 or email ebanking@baiduri.com for further assistance.

What documents are required?
Your valid IC or passport for identification at E-Banking Centre and at any Baiduri Bank Branch. Registering for online registration, you simply need your IC or Passport Number, your Credit, Debit or Mastercard Cash Card last 8-digit number, email address and registered mobile number with Baiduri Bank. Your mobile number is the number used to open your account and apply for a card.

I have successfully registered for Personal i-Banking online, will there will be any restrictions to use the service?
Please note that if you have successfully registered online for Personal i-Banking, your transaction limit will be available up to BND $500.00. E-Banking centre will contact you for further verification and finalization on the next working day. Once verified, your daily limit will be set to default. Additionally, any changes in the Set Up Daily Limit under the User Administration service will only take effect after verification and the disclaimer will disappear once you have been verified.

Is Baiduri i-Banking secure?
With our Dual Factor Authentication with SMS-OTP and/or token, feel secure when you login with a User ID and password, and perform transactions for Fund Transfers (local and abroad), MasterCard CashCard top-up, Prepaid Card Purchases and when adding a new beneficiary prior to making bill payments. You will be notified via SMS once you have successfully logged in.

In addition, Baiduri Personal i-Banking uses industry standard 128-bit strong SSL encryption to protect your confidential data. An automatic timeout feature will ensure you are logged out when your account is idle.

How much does this service cost?
Registration for Baiduri-Personal i-Banking service is free. However, charges apply for using services such as Fund Transfers to other local and overseas banks, and for Cheque Book requests. Baiduri Bank's Terms & Conditions apply.

How soon can I use the Baiduri Personal i-Banking service?
After successful registration, you will be issued a User ID and password. You can start banking online after you have received a notification via SMS from the Bank informing you that your access to Baiduri i-Banking has been activated. If you have registered online, you will be able to login immediately and make transactions. However, do note that your daily limit will be set at BND $500.00 until you have been verified by E-Banking Centre for verification and finalization on the next working day.

How do I log in to Baiduri Personal i-Banking for the first time?
 
  1. Visit www.baiduri.com
  2. Click “Personal i-Banking” under login to i-Banking
  3. . Enter your User ID and Password as given by the Bank. Select SMS-OTP or token authentication. Click login.
  4. (a)  For SMS-OTP authentication:
    • The One-Time PIN (OTP) will be sent to the mobile number registered to your Personal i-Banking account.
    • On the i-Banking screen, key in the One-Time PIN (OTP).
    • Please note that if you have not received your One Time Pin via SMS, a 'Resend OTP' button will appear after one minute. This One Time Pin will then be sent to the mobile number registered to your Personal i-Banking account.
    (b)  For token authentication:
    • Enter the OTP generated from the token in the field provided on the next page.
  5. Upon successful SMS or token authentication, the Terms & Conditions page will appear on the computer screen.
  6. Click on “I agree” to accept the Terms & Conditions
  7. Proceed to change your User ID and Password if you wish, or proceed to do your transactions online
 
Can I link an international mobile phone number to access Baiduri Personal i-Banking?
No, only locally registered mobile phone numbers can be used.

Can I access Baiduri Personal i-Banking while I am overseas?
Yes, you can. Roaming charges by your mobile phone operator will apply for mobile phone authentication. Alternatively, you may request a token from Baiduri Bank if you travel overseas frequently.

What if I encounter “Your SMS-OTP authentication is unsuccessful”?
This can be caused by poor network coverage or entering the incorrect PIN. If problem persists after several attempts, please contact our E-Banking Centre at 244 9666 or email ebanking@baiduri.com for further assistance.

Can I access information on all my accounts with Baiduri Personal i-Banking?
You can access all accounts registered under your name and also your joint account(s) provided the joint accounts operate on a single signing authority basis i.e. where the account mandate states "EITHER ONE TO SIGN" or "ANY ONE TO SIGN". You can also link and access your Hire Purchase accounts, Consumer Good Financing accounts and credit card accounts with Baiduri Personal i-Banking.

How do I view my debit advice for Telegraphic Transfers?
You can view your debit advice for Telegraphic Transfers under the Outward Telegraphic Transfer Advice service. Do take note that your Telegraphic Transfer Advice will only appear under this menu once the transaction has been processed by the bank and will only be available to view for 15 days only.

Will I be charged for making a funds transfer?
Fund transfers within Baiduri Bank are free. However, tariff charges are applicable for fund transfers to other local banks and abroad.

Will I be charged for making a bill payment?
There are no extra charges made through the bill payment by account service.

Will I be charged for making a bill payment by card?
There are no extra charges made through the bill payment by account service. However, both your daily limit and card limit applies to this service.

Will I be charged for using the Multiple Transactions service function?
Fund transfers within Baiduri Bank and any bill payments made are free. However, tariff charges are applicable for fund transfers to other local banks and abroad within the Multiple Transactions page. Baiduri Bank's Terms & Conditions apply.

Is there any cut-off time for funds transfer or chequebook requests submitted via Baiduri Personal i-Banking?
There is a cut-off time at 11:00 am for transfers to other local and overseas banks. Transactions received from 3:30pm on Friday to Sunday and public holidays will be processed the next working day. Baiduri Bank's Terms & Conditions apply.

How can I be sure that my transaction has gone through?
Once you confirm the transaction, your transaction will be logged. When you log out, a list of all successful activities and transactions performed will be displayed on your transaction summary which you can print out for reference.

Additionally, you will be notified via SMS for transactions you made for Fund Transfers, Bill Payments, MasterCard CashCard Top Up and Prepaid Card Purchases.

Can I disable the SMS notification for every successful transaction for Fund Transfers, Bill Payments, MasterCard CashCard Top Up and Prepaid Card Purchases?
Yes, you can do so under the User Administration Menu. Alternatively, you can also set a cut-off amount, whereby you will not be sent SMS notification for transactions below this amount.

How long should my User ID be?
Your User ID must be 6 to 12 characters. Only A - Z, a - z, 0 - 9, and *!&#@ are allowed.

How long should my Password be?
A good password must be 6 to 12 characters which can include alphanumeric and/or special characters. For e.g. B@iduri1

What should I do if I have forgotten my User ID?
Please visit your nearest Baiduri Bank branch or call E-Banking Centre at 244 9666 for assistance.

What should I do if I forgot my password?
You can reset your password online by clicking on 'Forgot Password' on the login page. Alternatively, you can call E-Banking Centre at 244 9666 or email ebanking@baiduri.com for further assistance.

What should I do if I have forgotten both my User ID and Password?
Please contact our E-Banking Centre at 244 9666 or email ebanking@baiduri.com for further assistance. Alternatively, you can visit your nearest Baiduri Bank branch.

What should I do if my Token is lost, damaged or stolen?
Please visit your nearest Baiduri Bank branch to report lost, damaged or stolen token. Replacement charges will apply.

Is there any restriction on the number of login attempts?
Your i-Banking service will be blocked after five (5) unsuccessful consecutive login attempts. Please contact our E-Banking Centre at 244 9666 or email ebanking@baiduri.com for further assistance.

Why do I sometimes experience slow response while trying to access Baiduri Personal i-Banking service?
The slow response could be due to the following:

  • You are not using the recommended hardware or browser software.
  • Technical problems with the Internet Service Provider, Local Area Network or our system.

What if I encounter difficulty in accessing the Baiduri Personal i-Banking service?
Please contact our E-Banking Centre at 244 9666 or email at ebanking@baiduri.com
 
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