Deposits

Current Accounts

General Current: A general current account that gives you the safety and convenience of holding a cheque book.
Tiered Current: A current account that allows you to get more value out of your money, the more you save.

Saving Accounts

Easy Saver: A complementary account that makes managing your money online so much easier.
Children's Saver: Specially developed for those with young ones, the Children's Saver helps parents plan a regular savings schedule for their children.
Student's Saver: Every great journey starts with a small step forward. Specially for students to help you achieve your dreams.
Senior Citizen's Saver: A savings account specially catered for our senior citizens.
Tiered Savings: For as low as BND 50, you can start saving with us.
General Saver: A general savings account which grants you easy access to your money.
Purpose Saver: An account with a regular savings plan which makes it much easier for you to achieve your goals.
Haj Saver: A unique savings account aimed at assisting you to fulfill your ambition of performing Haj or Umrah.

Foreign Currency Accounts

Foreign Currency Current: A current account facility in your choice of foreign currencies.
Foreign Currency Savings: A savings account facility in your choice of foreign currencies.

Current Accounts

CURRENT ACCCOUNTS	General Current	Tiered Current
	A general current account that gives you the safety and convenience of a cheque book	A current account that allows you to get more value out of your money, the more you save.
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Minimum Opening Deposit	BND 1,000	BND 1,000
Minimum Account Balance	BND 1,000	---
Shariah Concept	Wadiah Yad Dhamanah	Wakalah
Eligibility
Nationality	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit
Age	Individuals aged 18 years and above	Individuals aged 18 years and above
Other Criteria	---	---
Facilities
Cheque Book	Yes	Yes
Debit Card	Yes	Yes
Online Access	Yes	Yes
Monthly Statements	Yes	Yes
Zakat Counter Services	Yes	Yes
Dividend payout	Yes	Yes
Fees
Maintenance Fee	BND 10 per month if average monthly balance falls below BND 1,000	BND 10 per month if average monthly balance falls below BND 1,000
Cheque Book Fee	BND 0.10 per cheque leaf, up to BND 5.00 per book (50 leaves)	BND 0.10 per cheque leaf, up to BND 5.00 per book (50 leaves)

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Savings Accounts

SAVINGS ACCCOUNTS	Easy Saver	General Saver	Children's Saver	Student's Saver	Senior Citizen's Saver	Tiered Savings	Purpose Saver	Haj Saver
	A complementary account which makes managing your money online so much easier.	A general savings account which grants you easy access to your money.	Specially developed for those with young ones, the Children's Saver helps parents plan a regular savings schedule for their children.	Every great journey starts with a small step forward. Specially for students to help you achieve your dreams.	A savings account specially catered to our senior citizens.	For as low as BND 50, you can start saving with us.	An account with a regular savings plan which makes it much easier for you to achieve your goals.	A unique savings account aimed at assisting you to fulfill your ambition of performing Haj or Umrah.
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Minimum Opening Deposit	BND 1,000	BND 50 for Wadiah	BND 50	BND 10	BND 50	BND 50	BND 50	BND 100
Minimum Monthly Balance	---	---	BND 50	BND 50	BND 50	BND 50	---	---
Shariah Concept	Wakalah	Wadiah Yad Dhamanah	Wadiah Yad Dhamanah	Wadiah Yad Dhamanah	Wadiah Yad Dhamanah	Wakalah	Wakalah	Wadiah Yad Dhamanah
Eligibility
Nationality	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	No specific criteria	Brunei Citizens, Permanent Residents or Foreign Students with valid student permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit
Age	Individuals aged 18 years and above; for minors under 18, account to be operated by parent or guardian	Individuals aged 18 years and above; for those under 18, account to be operated by parent or guardian, except for students under 18 who receive their allowances (transport, education or accomodation) from the Government through their savings accounts.	Children below the age of 15 years; Account to be opened with a parent or guardian	Individuals aged 15 and above	Individuals aged 45 and above	Individuals aged 18 years and above; for minors under 18, account to be operated by parent or guardian	Individuals aged 18 years and above; for minors under 18, account to be operated by parent or guardian	Muslims aged 18 and above
Other Criteria	You must be an existing BIBD account holder	---	---	Must be a student at any educational institution locally or overseas	---	---	You must be an existing BIBD account holder	---
Facilities
Debit Card	No	Yes	No	No	Yes	Yes	No	No
Foreign Currencies and Remittances Facilities	No	Yes	No	No	Yes	No	No	Yes
Monthly Statements	No	No	No	Yes	No	Yes	Yes	No
Online Access	Yes	Yes	No	No	No	Yes	Yes	No
Passbook	No	Yes	Yes	Yes	Yes	No	No	Yes
Zakat Counter Services	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Others	---	---	---	---	---	---	---	It is necessary for you to withdraw the money from the account at our branch counters.

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Foreign Currency

FOREIGN CURRENCY ACCCOUNTS	Foreign Currency Current	Foreign Currency Savings
	A current account facility in your choice of foreign currencies.	A savings account facility in your choice of foreign currencies.
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Minimum Opening Deposit	$5,000 in either USD, GBP, AUD, EUR	$500 in either USD, GBP or EUR $1000 in AUD
Shariah Concept	Wadiah Yad Dhamanah or Wakalah	Wadiah Yad Dhamanah or Wakalah
Eligibility
Nationality	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit	Brunei Citizens, Permanent Residents or Foreign Citizens with valid working permit
Age	Individuals aged 18 years and above	Individuals aged 18 years and above
Other Criteria	---	---
Facilities
Cheque Book	No	No
Monthly Statements	Yes	Yes
Online Banking	Yes	Yes
Fees
Cash Notes	1% of the value of cash note, with minimum fee of FCY 10.00	1% of the value of cash note, with minimum fee of FCY 10.00
Admin Fee	Transactions up to FCY100,000: admin fee is 0.1% of amount, minimum of FCY10 Transactions exceeding FCY100,000: admin fee is 0.03125% of amount, minimum of FCY100	Transactions up to FCY100,000: admin fee is 0.1% of amount, minimum of FCY10 Transactions exceeding FCY100,000: admin fee is 0.03125% of amount, minimum of FCY100
Other Charges	Remittance charges apply for Demand Draft and Telegraphic Transfer.	Remittance charges apply for Demand Draft and Telegraphic Transfer.

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