General FAQ
Registration and Login
How do I register for 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?
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 can I get a summary of my different accounts?
How can I check my transaction history?
Payment Services FAQ
What are the payment services available?
How do I maintain a list of favourite bills payees?
How do I keep track of future or recurring bill payments?
Transfer Services FAQ
What transfer services are available?
How can I transfer funds to another BIBD account?
How do I maintain a favourite list of third-party accounts to transfer funds within BIBD?
How can I transfer funds to another bank in Brunei?
How do I maintain a favourite list of accounts for transfers to other banks in Brunei?
How can I transfer funds to banks outside Brunei?
How do I maintain a favourite list of accounts to send fund transfers to banks outside Brunei?
How do I create a Demand Draft (DD)?
Other Services FAQ
How do I enroll for Credit Card E-statements?
How do I view Credit Card E-statements?
MasterCard Secure Online Code FAQ
How does secure online code protect me?
How do I shop using the secure online code?
Do I need to register for the secure online code service?
How do I know if an online merchant is participating in this secure online code service?
How do I check or change my mobile number?
What happens if I do not receive the one-time passcode?
Do I need to remember my one-time passcodes?
Does the one-time passcode expire?
I have accidentally deleted my one-time passcode, what should I do?
What if I make an error when I enter my one-time passcode into the merchant's website?
What happens when my card is replaced?
Do I have to use the secure online code service?
Will I incur any charges for the secure online code service?
Does BIBD share my personal details with the online merchant or anyone else?
What are the system requirements to be able to use the secure online code service?
Can I use secure online code from any computer?
Who can I contact if I have more questions?
Security Tips
Recommended Security Precautions
General FAQ
Registration and Login
How do I register for Internet Banking?
To register, you have to submit a completed application form at any of our branches and collect a Security Token. An email confirming the registration will be sent to you within 2 working days from the date of your application.
How do I activate my Internet Banking account?
Once you receive the email notification, you can go to the Internet Banking homepage and select "Self Registration" if you have an ATM Card and PIN. If you do not have a an ATM Card then select branch registration. Please select the appropriate option and follow the directions in the screen.
How do I log in to my Internet Banking account?
Go to the Internet Banking homepage, click on "Login" and key in your userid, PIN and then the one time PIN generated by the Token device.
Once you Log in to the system, you will be brought to the Welcome Page. Information about your last login and user name will be displayed. The left side of the screen will show the Internet Banking services available to you. Please note that for your protection incorrectly entering your userid or PIN several times will disable your login.
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.
How do I send an email to the bank?
To initiate: Mailbox Services > 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: Mailbox Services > 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: Mailbox Services > Sent
This function allows you to view messages you previously sent to the bank.
How do I change my PIN?
To initiate: Personalisation Services > Change PIN
You need to key in your old PIN, and enter and confirm your new PIN.
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
Key in a query to retrieve Transaction History records. A warning message will appear if no records match your query.
What payment services are available?
Customers have access to the following payment services:
a. Pay bills to various government and non government entities
b. Pay Credit card outstanding
c. Pay Financing
Each of these payments can be made as immediate, future dates or recurring.
How do I maintain a list of favourite bills payees?
To initiate: Bill & Card Payment Services > Maintain Favourite Bill Payees
This function allows you to maintain a list of favourite bill payees that can be used for bill payments.
How do I keep track of future or recurring bill payments?
To initiate: Bill & Card Payment Services > Maintain Future Bill Payments
You can add, edit, view and delete future or recurring bill payment transactions with this function.
What transfer services are available?
Customers can have access to the following services:
a. Fund Transfers within own or third party account in BIBD
b. Funds Transfers within selected banks in Brunei in BND currency
c. Funds Transfers outside Brunei
How can I transfer funds to another BIBD account?
To initiate: Transfer Services within BIBD > Transfer within BIBD
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 transfers are supported for immediate fund transfer only.
How do I maintain a favourite list of third-party accounts to transfers within BIBD?
To initiate: Transfer Services within BIBD > Maintain favourite Beneficiary
This function allows you to maintain a list of favourite third-party accounts that can be used for the Funds Transfer function.
How can I transfer funds to another bank in Brunei?
To initiate: Transfer Services to other banks in Brunei > Transfer to other banks
The system allows transfers to selected banks in Brunei in local (BND) currency. You have the option to perform an immediate transfer, schedule a future transfer, or set up a recurring transfer.
How do I maintain a favourite list of accounts for transfers to other banks in Brunei?
To initiate: Transfer Services to other banks in Brunei > Maintain favourite Beneficiary
This function allows you to maintain a list of favourite third-party accounts that can be used for the Funds Transfer within Brunei.
How can I transfer funds to banks outside Brunei?
To initiate: Transfer Services Outside Brunei > Transfer outside Brunei (T/T)
The system allows transfers to banks outside Brunei in major foreign currencies. You have the option to perform an immediate transfer, schedule a future transfer, or set up a recurring transfer. Please take note of the cutoff times for immediate transfers.
How do I maintain a favourite list of accounts to send fund transfers to banks outside Brunei?
To initiate: Transfer Services Outside Brunei > Maintain favourite Beneficiary
This function allows you to maintain a list of favourite third-party accounts that can be used for the Funds Transfer within Brunei.
How can I create a Demand Draft (DD)?
To initiate: Transfer Services Outside Brunei > Demand Draft
The system allows you to create a Demand draft in the major foreign currencies.
How do I enroll in for Credit Card E-statements
To initiate: E-Statement > E-statement enrollment
This function allows you to enroll your credit cards for e-statements. Once enrolled no paper statements will be sent to you. If you have supplementary cards, the e-statement will also include your supplementary card transactions. In the near future BIBD will be offering combined statements that will list all your accounts within the bank, if combined statement check box is selected the card summary information will be included in your combined statement (to be available soon).
How do I view Credit Card E-statements
To initiate: E-Statement > View E-statement
This function allows you to view your account/card registered for e-statements. To view, simply select the account and statement date from the drop down boxes. The statements can be saved & printed at your convenience. Please note that you need adobe reader plugin for your browser that is free to download from the adobe website.
MasterCard Secure Online Code FAQ
What is secure online code?
Secure online code is a free card protection service we provide in association with MasterCard Worldwide. Secure online code provides you with added protection against unauthorized use of your BIBD Credit or Debit card when shopping online with participating merchants. With secure online code:
| • | You know your personal information and card details are safe. |
| • | We know for sure that it is you using your card to make purchases online. |
How does secure online code protect me?
Every time you make an online purchase with a participating merchant, a screen will automatically appear asking you to enter your one-time passcode. BIBD will send this unique passcode to your mobile phone registered with BIBD via SMS. You will need to enter this one-time passcode to confirm your identity. So even if someone knows your card number, they will not be able to do anything as they would need the passcode which is only made known to you.
How do I shop using the secure online code?
The first time you make an online purchase with a participating merchant, a secure online code screen will appear. You will have the option to select your preferred language. For each time you make an online purchase, BIBD will send a one-time passcode to your mobile phone via SMS. This passcode is unique and can only be used once. You will need to enter this one-time passcode in the secure online code screen in order to complete your online purchase. When you correctly enter your passcode, BIBD will confirm that you are the authorised cardholder and authenticate your purchase. If an incorrect passcode is entered, your purchase will be declined as your identity can not be verified.
Do I need to register for the secure online code service?
All BIBD cardholders with a valid mobile number will automatically be registered for the secure online code service. For those Cardholders who have changed their mobile phone numbers or may have excluded such information on their application forms, we will not able to offer you this service unless you provide us with your current mobile phone number. Unless and until you do so, you will not be able to conduct online purchases if the merchant with whom you intend to transact with is a participating secure online code merchant.
How do I know if an online merchant is participating in this secure online code service?
Participating merchants will display either the MasterCard® SecureCode™ logo on their website.
How do I check or change my mobile number?
Cardholders can verify on the secure online code screen the last 4 digits of their mobile phone number and the country dialing code. If your mobile number is incorrect, you will not receive the SMS text message containing your one-time passcode so you will not be able to benefit from this service. It is very important that BIBD has your correct mobile number at all times. If you change your mobile number, please call our BIBD Call Centre at +673 2238181 to inform them of the new details.
What happens if I do not receive the one-time passcode?
If this happens, please contact our BIBD Call Centre at +673 2238181.
Do I need to remember my one-time passcodes?
No. For every online purchase that you make, BIBD will send a unique one-time passcode to your mobile phone. Once your online purchase has been successfully completed, please delete the passcode text message immediately
Does the one-time passcode expire?
Yes. You have approximately 5 minutes to enter your one-time passcode before it expires. The time restriction is in accordance with some participating merchant's websites. See below on how to get a new one-time passcode.
I have accidentally deleted my one-time passcode, what should I do?
To resend your one-time passcode to your mobile phone, please click on the 'resend' one-time passcode button on the secure online code screen. You can use this functionality once only. After that, you would need to re-start the on-line purchasing process again.
My mobile number is correct but I cannot access the BIBD text message that contains my one-time passcode, what can I do?
There may be times when your mobile phone is not in your possession or there may be a problem with the reception. In these circumstances, you can resend your one-time passcode to your mobile phone at a later time. If this is not convenient and you need to complete the purchase immediately you can cancel the secure online code service. Simply click the cancel button on the payment details screen and the screen should return to the merchant's website.
Alternatively, please contact BIBD Call Centre at +673 2238181
What if I make an error when I enter my one-time passcode into the merchant's website?
Don't worry. Simply enter your one-time passcode again. Please note that after three attempts you will be returned to the merchant's website.
What happens when my card is replaced?
BIBD will automatically update your profile with your new card number. You will be able to continue to use the secure online code service in the same manner.
Do I have to use the secure online code service?
Secure online code is a free card protection service that we offer to all our Credit and Debit cardholders. We strongly recommend that all our cardholders use this service as it offers you additional security when making any online purchases.
You have the option to bypass the secure online code service by clicking on the 'cancel' button. By using this functionality you will return to the merchant's website and can proceed with your purchase using another form of payment.
Will I incur any charges for the secure online code service?
BIBD is offering this service for free. However, some mobile phone providers may charge for SMSs to be received. For more information please speak to your mobile phone provider directly.
Does BIBD share my personal details with the online merchant or anyone else?
BIBD does not share your personal information or your one-time passcode with the merchant. We do, however, need to share your details with MasterCard International Inc, to facilitate the secure online code service.
What are the system requirements to be able to use the secure online code service?
Secure online code works with most browsers. However, you should disable any software that prevents pop-up windows as this will interfere with your use of the secure online code service. You should also be sure that Java Script is enabled; if it isn't the secure online code service may not work properly. If you have any difficulty, please contact BIBD Call Centre at +673 2238181.
Can I use secure online code from any computer?
Yes, there's no special software to install, so you can shop from any computer and still receive the added protection provided by the secure online code service.
Who can I contact if I have more questions?
For more information or assistance please contact BIBD Call Centre at +673 2238181.
Recommended Security Precautions
| • | Every time you want to use Internet Banking, you should type bibd.com.bn in the address bar of your browser. This is an effective precaution against phishing attacks. |
| • | Do not use easily guessed PIN numbers such as your birth date or other common dates used in social media or other online sites. |
| • | Do not keep the same PIN for all your cards. BIBD will never ask you for your PIN and it should be kept confidential. |
| • | BIBD uses Token device for additional security, if you have misplaced your token, please call the contact centre immediately so that it can be blocked and another one issued to you. |
| • | Avoid using internet banking in public WIFI spots such as Café, Airports and other such areas. The computer or network may be compromised at these places and your personal information can potentially be compromised. |
| • | Be very cautious about e-mails that you receive as it is very easy to clone e-mail addresses. BIBD will Never ask you to disclose any personal information including PIN via email. All such emails should be ignored and the bank informed via the call centre. |
| • | Viruses can spread via e-mails, You should delete e-mails that are from unknown senders without opening them. |
| • | Protect you computer against viruses and other malicious programs. Always ensure that the latest definition file of your Anti-virus is applied to your computer. |
| • | Make sure that you web-browser is up to-date and the latest security patches have been applied. |
| • | BIBD online is a secure site, you should check to make sure that there is a (  ), icon on Internet Explorer or (  ) icon on Google Chromes is visible. This icon verifies that the page is encrypted and information cannot be intercepted by a third party. |