BIBD Aspirasi 2

Saving has never been this rewarding!

BIBD Aspirasi is a Certificate of Deposit which can build up your savings; potentially earn better returns and get rewarded with prizes. BIBD Aspirasi is our helping hand in achieving your greatest aspirations in life.

Features & Benefits

  • Life-Changing Reward - Have the opportunity to participate in the Reward Program. Every B$ 50 deposit is entitled to one (1) entry for the Reward Program
  • Better Returns - Enjoy better returns than the general savings account
  • Flexible Savings Scheme - A flexible savings scheme allowing you to participate and withdraw anytime (no withdrawal fee imposed)
  • Convenient - Simply make an initial deposit of B$ 250 and you are ready to open this account through BIBD NEXGEN Mobile or Online or visit any of our branches
  • Certificate - Issued for every deposit. E-Certificate issued for subscription through BIBD NEXGEN Mobile & Online
  • The longer you save, the better - Increase your opportunity of winning by participating for a longer period.

Product Features

Minimum Deposit B$250
Maximum Deposit B$200,000
Minimum Top Ups B$50
Subsequent Top Ups in a multiple of B$50
Subscription Fee (one-time only) B$5
  • Shariah Concept
    • Wakalah

      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. Depositor will be offered the expected profit rate from the Investments and the Bank will earn a Wakalah fee for the service rendered. Depositor's expected profit rate (after deducting the Wakalah fee) will be retained by the Bank as Jua lah (Commission).

  • Eligibility
    • Brunei Citizens, Permanent Residents and Foreigners
    • Non-Citizens with valid work/student permit
    • Aged of 18 years and above. For below 18 years, joint account with parent or legal guardian
    • Existing BIBD account holder
  • Required Documents
    • Identity card or passport (where applicable)
  • Fees and Requirements
    • The subscription fee of B$5 is applicable for new subscription only
    • For subsequent deposit, this fee is not applicable
  • Conditions
    • Subject to the performance of the investment, the profit is paid once a year on the Annual Profit Date upon meeting the following conditions:
      - Participating in the BIBD Aspirasi until the Annual Profit Date
      - Minimum account holding period of 180 days before the Annual Profit Date

How to subscribe to BIBD Aspirasi?


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 B$50,000 per depositor under the Deposit Protection Order 2010."

Please read this Product Disclosure Sheet before you decide to take the BIBD Aspirasi Certificate of Deposit. Be sure also to read the General Wakalah Terms and Conditions of Deposit Products as well as BIBD Aspirasi Terms and Conditions and the Frequently Asked Questions. The Terms and Conditions of this Reward Program can be found here. You can also download the brochure.

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