Build up your savings with a potential of earning better returns and prizes. This can be your stepping stone in achieving your greatest aspirations in life.

  • Eligibility

    Must be a BIBD account holder
    Minimum age of 18 years old
    Brunei Citizens / Permanent Residents / Foreigners*
    Below the age of 18, you will need to open a joint account with your parent or legal guardian to participate in the Deposit Scheme

  • Required Documents

    Original identity card or passport

  • Life-Changing Rewards

    Have the opportunity to participate in the Reward Program where you can stand a chance to win one of the B$200,000 Grand Prize.
    Every BND50 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).

  • E-Certificate

    E-certificate is issued for every deposit through BIBD NEXGEN Wallet & Online.

  • Convenience

    Simply make an initial deposit of BND50 and you are ready to open this account through BIBD NEXGEN Wallet or Online or visit any of our branches.

  • The longer you save, the better

    Increase your opportunity of winning by participating for a longer period.

Deposit Amount No. of Entries 90 - 180 days 181 - 270 days
(Double entries)
271 days and more
(Triple entries)
B$1,000 B$1,000 ÷ 50 =
20 entries
20 entries 20 x 2
= 40 entries
20 x 3
= 60 entries
B$10,000 B$10,000 ÷ 50 =
200 entries
200 entries 200 x 2
= 400 entries
200 x 3
= 600 entries
B$50,000 B$50,000 ÷ 50 =
1,000 entries
1,000 entries 1,000 x 2
= 2,000 entries
1,000 x 3
= 3,000 entries

Stand a chance to win B$200,000!
You could be one of them!

Watch how Aspirasi helped them achieve their aspiration.

Subscribe to Aspirasi seamlessly on NEXGEN Wallet



Minimum Deposit


Maximum Deposit


Minimum Top Up and Subsequent Top Ups in multiples of BND50


One Time Fee

Suitable For

  • Students and Minors

  • Retired Individuals

  • Working Professionals

Quick links

General Wakalah Terms & Conditions

Shariah Concept


Refers to Agency contract. The Depositor (“Muwakkil”) appoints the Bank as their agent (“Wakil”) to utilize and invest their deposits in profitable Shariah-compliant transactions. The Depositor will be offered an expected profit rate from the investments and the Bank will earn an Agency (“Wakalah”) Fee for the service rendered. Any amount that the Bank earns in excess of the Depositor’s expected profit will be retained by the Bank as Commission (“Ju’alah”).

Further Information

Depositors of Bank Islam Brunei Darussalam are guaranteed protection up to maximum B$ 50,000.00 per depositor under the Deposit Protection Scheme.

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