General FAQ
Registration and Login
How do I register for BIBD Internet Banking?
How do I activate my Internet Banking account?
How do I log in to my Internet Banking account?
I have forgotten my Internet Banking password. What should I do?
Personalisation and Miscellaneous Services
How do I perform a transaction search?
How do I send an email to the bank?
How do I receive and read emails from the bank?
How do I view the messages I have sent to the bank?
How do I change the website's language?
How do I view and process pending transactions?
What can I do with the To Track List?
Account Services FAQ
How can I get a summary of my different accounts?
How can I check my transaction history?
How can I get an account statement?
How can I request for a statement of a specific account?
Company Administrative Services FAQ
Access Control
What can the Company Admin do using Access Control?
How do I manage company accounts?
How do I manage company function access profiles?
User Management
How do I manage company user accounts?
How do I assign a Company Signatory?
How do I change the user password?
How do I change the signatory password?
How do I assign a company account Access Profile and Function Access Profile?
How do I check signatory profiles?
Administration
How do I change the company account name?
How can I perform a company profile inquiry?
How do I search for successful or failed company admin, signatory and user transactions?
How do I change my company address?
How do I search for company administration transactions?
Payment Services FAQ
What are the payment services available?
How do I pay my bills or taxes?
How do I maintain a list of favourite bills or payments?
How do I keep track of future or recurring bill payments?
How do I perform financing repayments online?
Transaction Process FAQ
What does Daily Limit per Signatory encompass?
What is the flow of a corporate transaction?
What are the steps for Approval for a Corporate Monetary Transaction?
What are the Different Statuses of a Transaction for Approval?
What happens after a transaction?
What are the Configurations involved in a Transaction Process?
What is Function Access Configuration?
What is Account Access Configuration, and what is its purpose?
What comprises Authorisation Configuration?
How do I change daily limit of each signatory?
What is an Authorisation Profile?
What is the Authorisation Matrix?
Transfer Services FAQ
What are the transfer services available?
How can I transfer funds to another BIBD account?
How do I maintain a favourite list of third-party accounts to transfer funds to?
How do I maintain active instructions for auto funds transfers?
General FAQ
Registration and Login
How do I register for BIBD Internet Banking?
To register, you have to submit a completed application form at any of our branches and collect a Security Token.
The bank will notify you when the Internet Banking User account is ready for access. An email confirming the registration will be sent to you. If you do not receive the email notification within two working days from when you submitted your application, please contact us through the customer service hotline at +(673) 223-8181.
How do I activate my Internet Banking account?
Once you receive the email notification, you can go to the Internet Banking homepage and select "First Time Login".
Please review the Terms and Conditions and click on the "Agree" button to proceed.
You have to enter your Company Login ID, User Login ID and Token PIN. You will then be prompted to enter your new PIN twice for verification.
You will see a success notification message once you have successfully completed your First Time Login.
How do I log in to my Internet Banking account?
Go to the Internet Banking homepage, click on "Login" and key in the Company ID, User ID, PIN and Token PIN.
Once you Log in to the system, you will be brought to the Welcome Page. At the top left corner of the page, the system will display User Name and User Role, as well as the Logout button.
The left menu will show all the Internet Banking services available.
I have forgotten my Internet Banking password. What should I do?
Please call our Customer Service Hotline before resetting your password. The customer service representative will give you instructions on how to proceed.
Personalisation and Miscellaneous Services
How do I perform a transaction search?
To initiate: Other Banking Services > Transaction Search
This function allows you to search for and view past transactions. You can search by account number, transaction type, status, date range and reference number.
How do I send an email to the bank?
To initiate: Secure Email > Compose
This function allows you to send messages or inquiries to the bank via a secure channel.
How do I receive and read emails from the bank?
To initiate: Secure Email > Inbox
This function allows you to receive announcements and messages from the bank via a secure channel.
How do I view the messages I have sent to the bank?
To initiate: Secure Email > Sent
This function allows you to view messages you previously sent to the bank.
How do I change my PIN?
To initiate: Other Banking Services > Change PIN
You need to key in your old PIN, enter and confirm your new PIN.
How do I change the website's language?
You can switch between Malay and English by clicking on the corresponding links at the top right corner of the website.
How do I view and process pending transactions?
To initiate: To Do/Track List > To Do List
A Company Signatory can view and process pending transactions by using the To Do List service.
You can filter by transaction type, status and the period when the transaction was submitted.
You can view details of the particular transaction or approve the transaction by selecting the corresponding action from the drop-down menu.
What can I do with the To Track List?
To initiate: To Do/Track List > To Track List
You can filter by transaction type, status and the period when the transaction was submitted to get the desired To Track list.
You can view details of the particular transaction by selecting the corresponding action from the drop-down menu.
Account Services FAQ
How can I get a summary of my different accounts?
To initiate: Account Services > Account Summary
Account Summary will show the most current account situation categorised by account type. You can view the details of each account by selecting "Details" from the drop-down menu.
How can I check my transaction history?
To initiate: Account Services > Transaction History
This function can be used by a company account's user or signatory.
Key in a query to retrieve Transaction History records. A warning message will appear if no records match your query.
How can I get an account statement?
To initiate: Account Services > Account Statement
This function can be used by a company account's user or signatory.
Key in a query to retrieve Account Statement records. A warning message will appear if no records match your query.
How can I request for a statement of a specific account?
To initiate: Account Services > Statement Request
To request for an account statement, select an account, key in the period that you want and choose the collection mode for the statement.
To submit for approval, select a company signatory approver and key in a remark.
Company Administrative Services FAQ
Access Control
What can the Company Admin do using Access Control?
Company Admin can use the following access control services:
a. Account Access Profile
b. Function Access Profile
How do I manage company accounts?
To initiate: Log in as Company Admin > Access Control > Account Access Profile
You may create a new profile. You may also view, edit and delete existing company account access profiles.
How do I manage company function access profiles?
To initiate: Log in as Company Admin > Access Control > Function Access Profile
You may create a new profile. You may also able to view, edit and delete existing company function access profiles.
User Management
How do I manage company user accounts?
To initiate: Log in as Company Admin > User Management > Company User (s)
You can perform Add New User, Edit User, Delete User, View User and Disable User functions.
The transaction will be forwarded to a signatory for approval when the user account is created, updated, deleted and disabled. Once the transaction is approved, the changes will take effect and be shown in the company user page.
How do I assign a Company Signatory?
To initiate: Company Profile > Company Signatory
A Company Signatory approves transactions for the Internet Banking account. The Company Admin will be able to edit the signatory group assignments for all company signatories.
A Signatory needs to be assigned to a particular Signatory Group before he/she can authorise transactions in the trade finance and cash management modules. The Signatory has to be mutually exclusive to one Signatory Group.
How do I change the user password?
To initiate: Log in as Company Admin > User Management > Reset User PIN
You need to enter and confirm your new password.
How do I change the signatory password?
To initiate: Log in as Company Admin > User Management > Reset Signatory PIN
You need to enter and confirm your new Signatory password.
How do I assign a company account Access Profile and Function Access Profile?
To initiate: User Management > Profile Assignment
To assign a company account Access Profile and Function Access Profile, you have to select a user by going to the Search User Profile Assignment.
To submit for approval, both Account Access Profile and Function Access Profile have to be assigned to you.
How do I check signatory profiles?
To initiate: Log in as Company Admin > User Management > Signatory Authorisation Inquiry
You can perform a search on a given user ID or name to view the signatory's authorisation profile, account access profile and function access profile.
Administration
How do I change the company account name?
To initiate: Account Nickname > Account Name
The request will be forwarded to a signatory for approval. Once the request is approved, the changes will take effect and be shown in the Account Name page.
How can I perform a company profile inquiry?
To initiate: Log in as Company Admin > Company Profile > Company Profile Inquiry
The screen will show the company details such as CIF No., Registration No., Company ID, Name, Mailing Address, Contact Person, Contact No., Email and Dual Control status.
How do I search for successful or failed company admin, signatory and user transactions?
To initiate: Search Admin List > Activity Log
You can search for all the successful or failed transactions performed by the Company Administrator, company signatories and company users.
How do I change the PIN?
To initiate: Other Banking Services > Change PIN
You need to key in your old PIN, enter and confirm your new PIN.
How do I change my company address?
To initiate: Other Banking Services > Change Address
Once you click on the Change Address link, you will be brought to a listing page. You have to select Edit from the drop-down menu.
Key in all the required details before clicking on the Submit button. Review the details on the confirmation page before clicking on the Confirm button. Changes will take effect after approval.
You can view and print out the summary of this transaction. You can also click on the Return button to return to the listing page.
How do I search for company administration transactions?
To initiate: Search Admin List > Search Admin List
This function will be available if Dual Control is configured for Company Administration transactions. You may search for all transactions with "Entry", "Pending Approval", "Approved" or "Deleted" status.
Payment Services FAQ
What are the payment services available?
Customers have access to the following services:
a. Bill / Tax Payment
b. Future Dated Bill / Tax Payment
c. Recurring Bill / Tax Payment Maintenance
d. Favourite Bill Payment Maintenance
e. Financing Repayment
How do I pay my bills or taxes?
To initiate: Payment Services > Bill / Tax Payment
You can perform immediate, future-dated or recurring Bill Payments with this function. The payee list will be maintained in the internet banking system.
How do I maintain a list of favourite bills or payments?
To initiate: Payment Services > Favourite Bill Payment Maintenance
You can add, edit, view and delete preferred payees with this function.
How do I keep track of future or recurring bill payments?
To initiate: Payment Services > Future / Recurring Bill Payment Maintenance
You can add, edit, view and delete future or recurring bill payment transactions with this function.
How do I perform financing repayments online?
To initiate: Payment Services > Financing Repayment
You can perform repayment to the selected loan account with this function.
Transaction Process FAQ
What are signatories?
They are users who are able to authorise transactions, and are issued a Token.
What is a signatory group?
A Signatory needs to be assigned to a particular Signatory Group to authorise transactions in the trade finance and cash management modules.
What are signing limits?
They are tiered limits of a transaction or an account, e.g. $0-$50,000, $0-$100,000, $0-$1,000,000.
What are signing conditions?
They are conditions as defined for each signing limit by transaction and account, e.g. 2A+B.
What are Total Signatories?
It is the total number of distinct signatories needed for a transaction to be approved, by account, transaction and signing limit.
What does Daily Limit per Signatory encompass?
Daily limits are set at individual level. Hence, if a managerial group of three signatories has a daily limit of $50,000, the three signatories can authorise transactions up to the total daily limit of $150,000.
What is the flow of a corporate transaction?
The person who initiates a transaction in Corporate Internet Banking is called a maker.
1. When a maker wants to create a transaction, he/she has to select the function from the Corporate Internet Banking main menu. (e.g. Fund Transfer Transaction).
2. The system will check if the maker has been given access to this function. The Functional Access Profile (FAP) is set up by the Company Administrator via the Company Administration System.
3. If the maker has not been granted access, an Error page will be displayed.
4. If the maker has access to the selected function, the account access checking will be invoked. This determines what accounts the maker has been granted access to. The Account Access Profile (AAP) is set up by the Company Administrator via the Company Administration System.
5. If no account is available, or the maker has not been granted access to any accounts, an Error page will be displayed.
6. If accounts are available that the maker has been granted access to, the transaction page will be loaded.
What are the steps for Approval for a Corporate Monetary Transaction?
1. Maker initiates a transaction.
2. Once a transaction is validated by the system (checked against any limit), the maker then forwards the transaction to the Signatory who has been assigned with that transaction for approval.
3. If the Signatory has enough outstanding daily limit, he/she will be allowed to approve the transaction or submit the transaction according to the signing conditions in the system. Otherwise, the signatory name will not appear in the "Next Approver List."
4. The maker selects the approver and forwards it to him/her. The maker can then monitor the transaction via the "To Track" panel.
5. When the targeted approver logs on to the system, he/she will see the transaction that needs his/her approval on the To Do panel at the welcome page.
6. The approver can either approve or reject the transaction. He/she will need to enter the Authorisation code. The number of approvals will depend on the Authorisation Matrix set up for a particular amount. Every approver will need to enter the authorisation code to approve or reject a transaction.
7. In the event that the forwarded approver is on leave or vacation, the maker has the option to re-route the transaction to another approver via the transaction search function.
8. The transaction will reach the final approver. If he/she has decided to approve the transaction, he/she will have the option to send the transaction to the bank immediately by selecting the "Submit" checkbox. If the customer did not select the "Submit" checkbox, but approves the transaction, it will not be sent to the bank until the customer performs a "Submit using Transaction List" function.
9. Should the next approver reject a particular transaction, the transaction is then sent back to the maker. The maker can then amend the transaction.
What are the Different Statuses of a Transaction for Approval?
During the process of approving a transaction, the transaction is tagged with various statuses depending on the stage of approval. The status of a transaction can be found in detail below.
| No | Status | Detail |
| 1 | Entry | New transaction is created for approval. |
| 2 | Pending | Transaction is forwarded to the next person for approval |
| 3 | P-signed (Partial Signed) |
The next approver approves the transaction. |
| 4 | F-signed (Signed) |
The final person approves the transaction. |
| 5 | Complete or Reject | Complete: The transaction is sent to the Host after the above steps. Reject: The transaction is sent to the Host without required approval. In such a case, the customer is required to re-key a new transaction. |
Notes:
1. Approval is performed in a sequential manner. For example, the signatory groups are arranged sequentially, so that a Group 3 signatory cannot forward to a Group 1 or Group 2 signatory after authorising a transaction, but can forward to a signatory in Group 3, 4, 5 and so on. This restriction is provided since the approval of
requests usually proceed in a similar manner. For example, first-line managers must verify and authorise a request before more senior managers, followed by the financial controller, do.
2. The system also controls the process by disallowing forwarding to a signatory in a higher Signatory Group when a signatory is still required at a lower Signatory Group.
3. For non-monetary transactions, the same pre-process will be applied. However, the transaction execution will have a transaction validation without approval cycle.
What happens after a transaction?
1. Depending on the requirement, notification can be sent to the user with the transaction information for security purposes. All transactions can be verified. Users will be able to view the executed transaction using the Transaction Search function.
2. When a signatory successfully authorises a transaction, the daily limit for the signatory will be reduced in accordance to the value of that transaction. For example, if a signatory with a daily limit of $10,000 authorises a transaction worth $4,000, the daily limit that the signatory has will be reduced to $6,000 after the authorisation of the transaction.
3. In the event that a signatory rejects a transaction during authorisation, the daily limit for the signatories who authorised the transaction before it was rejected will be restored back to the value before their authorisation.
4. For example, there are three signatories, namely Signatory A, Signatory B and Signatory C, with daily limits of $10,000, $6,000 and $15,000, respectively. Transaction 123, worth $4,000 is authorised, by Signatory A and Signatory B. The daily limits for both Signatory A and Signatory B are then reduced to $6,000 and $2,000, respectively. When Signatory C rejects Transaction 123, it will cause the transaction to be invalid. The daily limit for Signatory A and Signatory B will then be restored back to the value before authorisation of Transaction 123, which are $10,000 and $6,000, respectively.
What are the Configurations involved in a Transaction Process?
The configuration in the Corporate Internet Banking System are:
a. Function Access Configuration
b. Account Access Configuration
c. Authorisation Configuration
What is Function Access Configuration?
The Function Access Profile defines the function access rights to perform actions in the respective Corporate Internet Banking modules. The Company Administrator is responsible for setting up the functional profile for their corporate accounts.
What is Account Access Configuration, and what is its purpose?
The Company Administrator is able to define the Account Access Profile. An Account Access Profile defines the account access rights to accounts for the associated user profile.
Account Access Profile allows the Company Administrator to restrict users' access. For example, users can be:
a. Restricted to use certain accounts only to perform transactions.
b. Restricted from viewing balances as well as transacting using certain accounts.
c. Restricted from viewing balances of certain accounts.
What comprises Authorisation Configuration?
Authorisation Configuration includes signatory group set up, signatory group assignment, authorisation rule setup and authorisation profile setup.
What are Authorisation Rules?
Authorisation Rules consist of sequential and non-sequential approval processes.
Sequential Processing refers to an ordered approval process according to authorisation groups. For example, a Group 3 signatory cannot sign and forward to a Group 1 or Group 2 signatory, but can forward to a signatory in Group 3, 4, 5 and so on.
In the non-sequential approval model, a signatory can forward the request to the next signatory at any Authorisation Group.
How do I change daily limit of each signatory?
On the Signatory Group Name page, you can define the daily limit of each signatory in the group.
What is an Authorisation Profile?
Authorisation Profile enables the Bank Administrators to define the types of transactions and the conditions for authorising transactions. It consists of accounts linkage, transactions linkage and the authorisation matrix.
1. Accounts are mutually exclusive in each profile. If an account is linked to a profile, it cannot belong to another profile and will not be available for selection when a new profile is created.
2. Accounts selected for a single profile must be in identical currencies.
3. At least one transaction type must be assigned to a profile. Transactions can be assigned to more than one profile.
4. For a signatory who is assigned both an Account Access Profile and Authorisation Profile, Authorisation Profile will override the Account Access Profile for user access to account information.
What is the Authorisation Matrix?
The authorisation matrix consists of three major parts: signing limits, signing conditions and signing groups.
1. Each signing limit consists of a number of signing conditions. The system supports multiple tiers of the same limit, which effectively increases the number of signing conditions for the same tier.
2. Each signing condition is the combination of signatory groups. The number under the signatory group represents the number of signatories required from that signatory group for that signing condition. At least one signing condition must be specified and selected for each signing limit.
3. In each signing condition, each signatory group has an "AND" relationship with the other signatory groups. Therefore, in order for a transaction to be approved, the specified number of signatories for each signatory group must authorise it.
4. Within a signing limit, each signing condition has an "OR" relationship. With this, if a transaction falls under a signing limit which has three signing conditions, one of the three signing conditions can be used to approve the transaction.
5. A signatory is authorised to approve a certain limit, and will be able to approve any transaction amount up to that limit, as the limits are not set in intervals.
6. The "Total Signatories" column indicates the number of signatories required for the signing condition. This column will be updated each time the user changes the number of signatories required in each signatory group.
Transfer Services FAQ
What are the transfer services available?
Customers can have access to the following services:
a. Funds Transfer
b. Third Party Account Maintenance
How can I transfer funds to another BIBD account?
To initiate: Funds Transfer > Funds Transfer
The system allows both own and third-party account transfers within the bank. You have the option to perform an immediate transfer, schedule a future transfer, or set up a recurring transfer. Multi-currency transfer is supported for immediate fund transfer only.
How do I maintain a favourite list of third-party accounts to transfer funds to?
To initiate: Funds Transfer > Third Party Account Maintenance
This function allows you to maintain a list of favourite third-party accounts that can be used with the Funds Transfer function.
How do I maintain active instructions for auto funds transfers?
To initiate: Funds Transfer > Funds Transfer Maintenance
This function allows you to add new instructions or edit existing active instructions.