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1. You know your personal information and card details are safe.
2. We know for sure that it is you using your card to make purchases online.

1. Account Services
2. Transfer Services
3. Payment Services
4. Personalisation Services

1. Log on to BIBD Online, go to 'Account Services', and then select 'Transaction History Enquiry'.
2. View through ATM, and go to other services and select 'Mini Statement'.
3. Contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.
4. Update your passbook to check your balance.

For government employees, pay day typically falls on either the 27th or 28th of the month. Any variation will be determined by the government's treasury department.

For non-government employees, please check with your employer or human resource department on this matter.

Payment of pension falls on the same date as the government employees pay day.

Overtime payment will be credited accordingly upon receiving vouchers or cheques from the government.

A requirement minimum balance of B$50 has to be maintained in the savings account.

The changes in our schedule of tariffs are due to our progressive upgrades in our system and service to help serve our loyal customers better.

To obtain updates, please contact the relevant staff whom you have reported your complaint to. Alternatively, you may call our Call Centre at 2238181 and our customer service representative will assist to follow up on your complaint.

Currently the updating of passbooks can only be done at our branch counters.

Credit Card is a financing facility, which allows you to make purchases or cash withdrawals up to the maximum credit limit granted. Debit Card allows you to make purchases or withdrawals based on the amount of funds available in your account.

To be eligible for membership, you will need to make a minimum Investments or deposit of BND 100,000.00 with us. A membership card will be issued for your service convenience.

To learn more, you can drop us a message here with your contact details. Our Perdana Relationship Manager will get in touch with you shortly.

For the privileges and benefits of Perdana member, please click here with your contact details. Our Perdana Relationship Manager will get in touch with you shortly.

You can proceed to our Online Rates to find out more.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

You can visit or contact them at:

Please visit your nearest At-Tamwil Branch or contact them through telephone.

Head Office:
Unit 1, Bangunan Ibu Pejabat
Persekutan Pengakap
Jln Gadong BE4119
Negara Brunei Darussalam
Tel 2453328/9 2453331/4
Fax 2424644, 2453330

KB Branch:
Unit 12, Block B, Bangunan MJJR
Jalan Jaya Negara, Kg Pandan
Kuala Belait KA 1189
Negara Brunei Darussalam
Tel 3337733
Fax 3337732

Counter Hours:
Monday - Thursday 8:45am - 4:00pm
Friday - 8:45am - 11:00am and 2:30pm - 4:00pm
Saturday - 8:45am - 11:30am

To locate the nearest ATMs, click here.

To locate the nearest CDMs, click here.

To locate the nearest CQMs, click

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative who will assist to arrange for your card to be collected at your preferred branch.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative who will assist to arrange for the investigation and refund of your money.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative who will assist to arrange for the investigation on your cash deposit.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative who will assist to arrange for the investigation on your cheque deposit.

You can check by:

1. Log on to BIBD Online, go to 'Account Services', and then select 'Account Summary'
2. Contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.
3. Visit any of our branches and speak to any of our Personal Bankers.

To find out more about your financing application status, we strongly recommend you to contact our Personal Bankers whom have served you.

If you are unable to contact your personal banker, please feel free to drop us a message here or contact our Customer Service Representative at 2238181.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative or visit any of our branches.

You can check by:

1. Log on to BIBD Online, go to 'Account Services', and then select 'Account Summary'
2. Contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.
3. Visit any of our branches and speak to any of our Personal Bankers.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative or visit any of our branches, so that we can check with the relevant departments on your behalf.

Please contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

Please visit any of our branches and speak to any of our Personal Bankers.

To learn more, please drop us a message here or contact us at 2238181, so that we can refer you to a Personal Banker who can address your queries.

For new assignment of salary to BIBD, you will need to open an Account with us (Click here for more details). To apply any financing facility (Click here for more details). Please visit our nearest branch and speak to any of our Personal Bankers.

Alternatively you can contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

Please drop us a message here or contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

The shariah concepts for BIBD Home financing are Al-Bai Bithaman Aajil (BBA) and Musyarakah Mutanaqisah.

Al-Bai Bithaman Aajil:

Purpose: for Under-Construction properties, proposed properties and land purchase ONLY.

The types of Home Financings available are as follows:

BIBD Rumah Plus (Musyarakah Mutanaqisah):

Home Purchase: for the purchase of a ready completed property or second-hand home.

Mortgage/Refinancing: for the purpose of obtaining cash through mortgage of existing home

Shop-House Purchase: for the purchase of completed shop-houses.

Home Financing (Currently using BBA):

Home Construction: for the construction of a new home.

Home Purchase: for the purchase of a proposed property from property agents or developer.

Land Purchase: for the purchase of land for home construction/investment purposes.

Refinance vacant land: helps you pay-off all your financings and avail the option of a financing with a lower profit rate.

At the moment, BIBD Rumah Plus is only for completed/ready-made properties and also mortgage of your existing property.

Yes, provided there is a letter of consent from the registered landowner.

It is eligible for applicants with the criteria as follows:

• Brunei Citizen / Permanent Residents
• Aged 18 and above
• Employed with the Government, semi-government sector or private sector that is recognized by the Bank.

The Home Financing eligibility is determined by customer's repayment capability, taking into consideration a combination of factors such as:

• Income
• Age (min 18 years old)
• Occupation
• Remaining employment period
• Existing financing obligations
• Open Market Value (OMV) of Property

The maximum amount of financing is $1,000,000.00* (subject to T&C). The maximum amount that they can apply depends on factors such as:

• The open market value of the property. They may be offered financing amount of up to 95% of the market value of the property.
• Their fixed monthly income.
• Their remaining employment period.
• The purpose of the financing.

Customers have to transfer their salaries to BIBD and the property security documents will also be assigned to the Bank.

Yes, a home financing can be jointly applied by 2 individuals or more. All the co-applicants shall be proposed as co-owners of the property. Usually, co-applicants are: husband/wife, father/son, mother/daughter etc.

Customers can apply for Home Financing at anytime. They may apply for it after they have decided to purchase/construct a property, or even when construction of the property has not commenced.

They will need to submit the completed application form along with the necessary documents*. The bank will review it after going through the application. They may be asked to provide additional information or documentations where necessary. The bank will also informally tell them the financing amount they are entitled for. *Refer: Required Documentations

Customer's salary does not necessarily have to be assigned to BIBD during the application stage. The bank can still process their home financing application provided that the bank can take over all their outstanding obligations with their current bank. However, disbursements of the home financing will only be implemented after their salary has been transferred to BIBD.

This depends on the scale of the house renovation/expansion. Normally home improvement financing is offered for such purpose. However, there are some instances whereby home financing is offered for a large-scale house expansion.

No, unfortunately you cannot. However, the costs of furniture and household appliances can be financed using household financing from our subsidiary BIBD At-Tamwil Bhd.

Stage 1: At the application stage

Basic Documents:

• Identification Card
• Latest Salary Slip

For House Purchase:

• Letter of Intent from vendor/developer
• House Plan and/or Land Title

Stage 2: Upon signing of financing agreement

For House Purchase:

• Sales & Purchase Agreement between vendor/developer and buyer
• Full Valuation Report

Your home financing application will involve the services of 3 external parties: the valuer, lawyer and Takaful Provider. Their services are rendered for the preparation of the following documents:

• Valuer: Full valuation report of the property.
• Lawyer: Power of Attorney, Memorandum of Charge, Sale & Purchase Agreement.
• Takaful Provider: Mortgage Redemption Term Assurance (MRTA) and Fire Insurance.

There will be charges imposed by the respective parties on the services rendered. These charges can be included into your home financing.

Most developers would ask for down-payment in order to secure booking of the house and they are non-refundable unless the home financing is not approved by the bank. How much they charged for down-payment varies from one developer to another and usually ranges from $1K-$10K.

The Bank charges a fixed processing fee of $350.00. This amount can be included into your Home Financing.

Yes, the Bank offers subsidy as follows:

For Financings with approved amount: Minimum $100k

Financing Term: Minimum 10 years (120 months)

• Undertaking – subsidy of 8% of financing amount or maximum of B$10k
• Existing Clients – Up to B$8k only
• Clients not meeting minimum financing amount or financing tenor as per stated above – Up to B$3k only

Subsidy Coverage includes (in order of payment):

• Legal Documentation Fees
• Valuation Fees; and
• MRTA with Takaful Provider

The maximum tenor for home financing for all customers is 25 years or the remaining period of their employment service (whichever is lower). However in the case of BIBD Rumah Plus, it can stretch up to 30 years for young professional segments*.

Monthly Repayment refers to the fixed amount that you will be paying to the bank every month. It comprises of both profit and principal repayment. The monthly payment depends on the amount of financing, profit rate applicable and the term of the financing.

You will only start paying your monthly payments on the month after your home financing is disbursed. E.g. if your home financing is disbursed in September, your monthly repayment will commence in October.

The financing amount can be disbursed in full or in installments through progressive claims as stated on the payment schedule of the sales & purchase agreement.

Yes, you can settle-off your financing ahead of schedule. However, an early settlement fee will be charged for any financing amount settled earlier than maturity date. Please refer to *Banks Schedule of Tariffs.

Please proceed to our Online Rates{/a]} or contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

Please click here or contact our Call Centre at 2238181 and speak to any one of our Customer Service Representative.

When you apply for our A+ student financing package, you will be asked to assign your allowance with the Bank. Every month, the Bank will then deduct a fixed sum from your allowance as repayment of the student financing.

If you are applying for our A+ student financing package, no guarantor is required as your allowance will be assigned with the Bank.

1. Your company must be a registered or incorporated in Negara Brunei Darussalam either in the form of sole proprietorship, partnership or private limited.
2. Your business should be Shariah-compliant.

To find out more, please feel free to contact us here with your business contact details, and our Corporate Banking consultant will get in touch with you shortly.

• It is an innovative product that allows you to pay, access and enjoy the convenience of an ATM card combined with the acceptability of MasterCard internationally.
• As it is 'smarter than cash', the BIBD Debit MasterCard allows you to pay anything directly from your bank account at over 25 Million outlets worldwide, even online!

A Debit Card works like a cheque, only better. When you make purchases, the amount is deducted directly from your checking account. But you also get to enjoy added convenience and security protection.

• Debit Card is a signature-based deposit account access product that serves as a replacement for cheque and cash.
• No personal identification number (PIN) is required at the point of sale and similar to a credit card, Debit Card can also be used for card-not-present transactions such as Internet purchases.
The Debit Card can also be used to withdraw cash at any of more than 1 Million ATMs that display the MasterCard and Cirrus logos.

• All existing and new Current Account and Savings Account holders;
• Any individual aged eighteen (18) and above

• At any of our BIBD Branches;
• Existing BIBD Account holders may convert their existing BIBD ATM card to BIBD Debit Card by completing the application form and submitting it to any of our branches;
• New customers may open a BIBD Current or Savings account and will be offered a BIBD Debit Card.

• When you apply for the BIBD Debit Card, you will need to indicate which Account you intend to link the card to;
• Transactions made using your BIBD Debit Card will be deducted from your selected account.

• At over 25 million outlets that accept MasterCard in Brunei and worldwide;
• At over 1 million ATMs worldwide that carry the MasterCard or Cirrus logo to withdraw cash.

• Peace of Mind: You do not have to carry too much cash around with you as payment can be made using your BIBD Debit Card at the point of purchase;
• Debt free: All purchases transacted using Debit Card will be deducted directly from your bank account, hence no bills at the end of the month;
• It is accepted at over 25 million outlets worldwide - even online;
• You can access cash from your account at over 1 million ATMs worldwide;
• The best travel companion: You do not have to worry about foreign exchange or having different currencies when travelling, as the BIBD Debit Card offers you competitive foreign exchange rates.

• The spending limit will depend on your available account balance, with daily usage limits as below:

Note:
Limits above are subject to change anytime at BIBD's discretion;
Requests for limit increase are currently unavailable.

• Please refer to tariff & charges for the BIBD Debit Card enclosed with the Debit Card Welcome Pack; or
• For enquires, please do not hesitate to contact BIBD Call Centre at 2238181, visit www.bibd.com.bn or any of our branches.

• Your BIBD Debit Card will be ready within seven (7) working days;
• You can opt to collect your card at any of our BIBD branches or you can have your card mailed to your home address.

• This will depend on the type of joint account opened by customers;
• There are two types of Joint Accounts:

Note:
Joint account "B" may sign-up for BIBD Debit Card by opening a new joint account under "A" instead.

• New cards collected at BIBD branches will be activated instantly;
• For cards sent by mail you will be required to contact BIBD Call Centre at 2238181 for activation;
• Your BIBD Debit Card can only be used once it has been activated.

• Notify BIBD Call Centre 24/7 at 2238181 immediately to block or deactivate your card;
• Lodge a police report at the nearest police station and submit the report to any of our BIBD branches together with a replacement request for your lost or stolen card;
• A new BIBD Debit Card and PIN Number will be issued to you within seven (7) working days;
• A card replacement fee of BND 15.00 will be charged to your BIBD Current or Savings account, or any accounts linked to your BIBD Debit Card.

• Kindly surrender your card to any of our BIBD branches;
• A new card and PIN number will be reissued to you within seven (7) working days.

• In this situation, usage of your BIBD Debit Card will be restricted until the annual fee has been deducted or paid.

• Yes, application for a BIBD Debit Card can be made at all BIBD branches regardless of where your Current or Savings Accounts are being maintained;
• Simply fill in the BIBD Debit Card application form and the receiving branch will take care of the rest for you;
• You will be required to present your Identity Card for verification purposes when you collect your card.

• The BIBD Debit Card can be used to withdraw cash at more than 1 million ATMs worldwide and is accepted at more than 25 million outlets worldwide, even online;
• However, due to its unique Shariah Compliant facility, BIBD may decline transactions that appear to be in conflict with Shariah precepts (for example at liquor stores and gambling sites.)

Currently, our online application is not yet available. To apply, please visit any of our branches with your identity card / passport and Bank Passbook.

You may contact our Customer Service Representative at 2238181 to check the status of your Master Debit Card application and where to collect your card.

To apply for our Master Debit Card, you must have either a Savings or Current account with BIBD, and you should be at least 18 years old.

For overseas withdrawal (ATM) there will be a 2% mark up on the amount withdrawn and the amount is then converted to the currency of your choice, based on the prevailing BIBD Foreign Exchange rates. In addition, there will be a fixed withdrawal fee of BND 6.00 per withdrawal.

Our Master Debit card can be used for online transactions. The amount will be debited directly from your account.

To request for a new PIN, please visit any of our branches, and present your original identity card or passport. For re-issuance of a new PIN number, the fee will be BND 15, and will take about 3 to 7 working days to process.

If you do remember your PIN and would like to re-set your PIN number, we can help to re-set your PIN immediately.

When you apply for our Master Debit Card, you will be required to select a Primary Account. The Primary Account is where all transactions will take place (Online, Terminal & Withdrawals - unless specified). This will leave your Secondary Accounts untouched.

To check which account is set as your Primary Account, kindly contact us at 2238181 or visit our branches. Please present your original idendity card or passport for verification. If you would like to re-assign your primary account, we can help you put up a request.

To check your Master Debit Card Transactions, you may log on to BIBD Online.

To register for Internet Banking, you may visit any of our branches to register, and we can issue you with a token immediately. You may also wish to update your passbook at our branches to view your transactions. Alternatively, you may visit any of our ATMs to have a 'Mini Statement' printed out (this will be limited transactions only).

There is an annual fee of BND 35 for our Classic Card and BND 120 for our Gold Card.

As we are an Islamic bank, we do not charge any interest. However there is an administration fee of 1.5% on the outstanding balance.

For AOS auto, the minimum payment of 8% is set to be deducted from your account.

To check your Master Credit Card Balance, you may call our Call Centre at 223 8181. Alternatively, if you have applied for our BIBD Internet Banking, you can log on to BIBD Online to check your balance and statement as well.

Currently, we do not offer e-forms for this. If you would like to claim your Master Credit Card Reward Points, kindly visit any of our branches to fill up our claims form. This would require a processing time of 1 week and we will contact you once it is ready for collection.

Thank your for your enquiry. Most of our Cards will be renewed automatically 1 month before expiry and the cardholder will be contacted for their card collection. For certain cases - renewal may be subject to approval and hence may need to be renewed manually at our branches. Should you need more assistance or information - we can refer you to our Personal Banker who will be able to assist you with your renewal.

To increase the credit limit for your Master Credit Card, kindly visit any of our branches to fill up a form request, and attach your latest salary slip together, for our review. Please take note that your request will be subjected to approval from our Card Centre.

To access BIBD Internet Banking, please visit our website at www.bibd.com.bn. Our Internet Banking portal is compatible with Safari, Mozzilla FireFox and Internet Explorer.

Kindly refer to the instructions on your activation email and with your token to log into your Internet Banking account. If you encounter any problems, please contact us at 223 8181 for more assistance. Alternatively you may visit our branch to log in using our Internet Kiosk, where our Personal Bankers can assist you at the same time.

Please contact our Call Centre at 223 8181.

Our Call Centre Service will require you to provide your Identity Card no. for them to proceed for investigation and assist you.

Please contact our Call Centre at 223 8181.

Our Call Centre Service will require you to provide your Identity Card no. for them to lodge to EBanking Department and you can expect a call from Call Centre within the next 2 to 3 working days.

For transfer of funds to banks within and outside of Brunei Darussalam, there will be a bank charge of BND 10 and a stamp duty of BND 0.10.

For transfer of funds to another BIBD bank account, there are no charges.

As you are currently overseas, kindly send us an email to our eBanking Centre (ebanking@bibd.com.bn) with your Full Name, IC Number, ATM/Debit Card Number, complete overseas mailing address and your contact number. Kindly ensure that your information is as accurate as possible. Your token will be sent by courier upon the confirmation of your address.

If you need more information or assistance, do feel free to contact our Call Centre at +673 223 8181.

Yes, you are able to perform overseas fund transfers using your Internet Banking. There will be a bank charge of BND 10 and a stamp duty of BND 0.10 for fund transfers to banks outside of Brunei Darussalam.

Yes, by providing a valid green identity card (original) or employment permit, you will be able to open an account with us.

Please feel free to drop by our branches, where our personal bankers will assist you with your application.

Please click here to find out more on the eligibility.

Please contact us at 2238181 or visit any of our branches, so that we can help to investigate this further.

To safeguard our customers' interests, we maintain a very strict privacy policy. As such, such information is confidential and we are unable to reveal them to any third parties.

To apply for a fleet card, it is not necessary for your company to open an account with us. Please provide us with an approval from approving authority and we require your company to place a term deposit account as collateral.