Features & Benefits

  • Earn dividends and maximise the value of your money; the more you save, the more you get (Check out our rates)
  • A cheque book will be given to you when you open your account with us, so that you can enjoy the convenience of cheque payments
  • Gain access to the largest network of ATMs and bank branches across Brunei Darussalam
  • Access your account anytime, anywhere through BIBD Online
  • Enjoy the convenience of tracking your transactions and account balance through BIBD online
  • Pay your Zakat conveniently using our Zakat counter services at any of our branches (What is Zakat? Learn more)

Shariah Concept


    The Depositor ("Muwakkil") enters into a Wakalah Agreement with the Bank ("Wakil") and deposits a certain amount of money to the Bank to be utilized and invested in profitable Shariah-compliant transactions. The Depositor will be offered the expected profit rate from the Investments and the Bank will earn a Wakalah fee for the service rendered. Any amount that the Bank earns in excess of the Depositor's expected profit (after deducting the Wakalah fee) will be retained by the Bank as incentive. Learn more »


  • Brunei Citizens and Permanent Residents
  • Foreign citizens with valid working permit
  • Individuals aged 18 years and above

Required Documents

  • Original identity card or passport

Fees and Requirements

  • Minimum opening deposit of BND 1,000.00 is required
  • Maintenance Fee

    BND 12.00 per month if balance falls below BND 1,000.00.

  • Cheque Book Fee

    BND 0.10 per cheque leaf, up to BND 5.00 per book (50 leaves).

For more details, please refer to the Bank's Schedule of Tariffs or the list of applicable rates for this product.

"Depositors of Bank Islam Brunei Darussalam are guaranteed protection up to maximum BND 50,000.00 per depositor under the Deposit Protection Order 2010."

Please read this Product Disclosure Sheet before you decide to take the Tiered Current Account. Be sure also to read the General Terms and Conditions.

Click to view Wakalah Terms & Conditions in English and Malay.