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 unauthorised use of your BIBD Credit or Debit card when shopping online with participating merchants. With secure online code:

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.

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 SMS 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.

What is the BIBD Debit MasterCard?

• 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!

What is a Debit Card?

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.

Who can apply for the BIBD Debit Card?

• All existing and new Current Account and Savings Account holders;
• Any individual aged fifteen (15) and above

How to apply for the BIBD Debit Card?

• 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.

How is my BIBD Debit Card linked to my Current or Savings account?

• 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.

Where can I use my BIBD Debit Card?

• 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.

What other benefits do I get from the BIBD Debit Card?

• 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.

Is there any spending limit imposed?

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.

What are the fees and charges for BIBD Debit Card?

• 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 +673 2238181, visit www.bibd.com.bn or any of our branches.

How long after I apply will I receive my BIBD Debit Card?

• 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.

Can Joint Account holders sign-up for the BIBD Debit Card?

• 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.

Can I use my BIBD Debit Card immediately upon receiving it?

• 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 +673 2238181 for activation;
• Your BIBD Debit Card can only be used once it has been activated.

What should I do if my card is lost or stolen?

• Notify BIBD Call Centre 24/7 at +673 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.

What do I do if I forget my BIBD Debit Card PIN?

• 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.

What if my account has insufficient balance during the annual fee deduction process?

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

Can I apply for BIBD Debit Card at any BIBD branch?

• 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.

Given that the BIBD Debit Card is Shariah Complaint, are there any restrictions in transactions?

• 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.)

Can I apply for the Master Debit Card online?

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

When and where is my Master Debit Card is ready for collection?

You may contact our Customer Service Representative at +673 2238181 to check the status of your Master Debit Card application and where to collect your card.

What are the application criteria for a Master Debit 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.

I am going overseas. What are the charges for cash withdrawal using my Master Debit Card?

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.

Will I be able to use the card for online transactions, like MasterCard or Visa?

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

I have wrongly entered my PIN and now I cannot use my Master Debit Card. How do I request for a new PIN and how long will it take?

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.

I own a Debit Card and it’s linked to both of my savings and current account. If I purchase anything online or swipe my card at a shop, which account will it debit the payment from? Can I select my current account for purchases via my debit card, such that it will not deduct from my savings account?

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 +673 2238181 or visit our branches. Please present your original identity card or passport for verification. If you would like to re-assign your primary account, we can help you put up a request.

How do I check my debit card transactions / statements via Internet Banking?

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).

What is a Credit Card?

A Credit Card is a payment Card that authorizes the holder to make purchases on credit up to a specified limit.

What is BIBD Credit Card?

BIBD Credit Card is a Shariah Compliant payment Card and an ideal partner when you travel and shop. Accepted at over 36 million merchants and 2.3 million ATM worldwide wherever the MasterCard, Cirrus, Visa and Plus logos are displayed and with it, you can enjoy discounts and exclusive offers from a variety of merchants.

What Credit Card does BIBD offer?

BIBD currently offers the following Credit Cards for you to choose from that best suit you:-

• BIBD MasterCard Classic;
• BIBD MasterCard Gold;
• BIBD World MasterCard (for PERDANA clients only);
• BIBD Visa Gold; and
• BIBD Visa Platinum;

Who can apply for BIBD Credit Card?

To apply for BIBD Credit Card, you must either have your salary assigned to BIBD or place a Term Deposit and/or BIBD Aspirasi as collateral. The principal cardholder must be 21 years old and above, and supplementary cardholder must be 18 years old and above.

How do I apply for BIBD Credit Card?

Complete the application form and submit together with the required documents to any BIBD Branch or call +673 2238181 to set up an appointment to seek one of our Personal Banker.

What benefits do I get from BIBD Credit Card?

BIBD Credit Card offers the following benefits:

• Rewards and Loyalty.
• Convenience.
• Protection.
• Discount and Great Deals.
• Lifestyle.

What is Visa payWav/MasterCard contactless and how do I use it?

Visa payWave/MasterCard contactless is a contactless payment technology that lets you pay faster with your BIBD Credit Card for purchases under B$100. The technology built into your Card allows you to pay instantly, just by waving/tapping your Card over a secure contactless terminal in stores. There is no need to enter your PIN, swipe your Card, sign or fumble for cash.

Is Visa payWave/MasterCard contactless technology secure?

The contactless platform is based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. The contactless Feature transaction are processed through the same, reliable payment networks as EMV chip transactions.

Is there a limit to the amount I can charge under Visa payWave/MasterCard contactless?

For purchases of B$100 and below, just wave/tap your Card and no signature is required. For purchases exceeding B$100, you will have to sign for the purchase.

Can I knowingly make a purchase if I walk past the reader?

No, Visa payWave/MasterCard contactless is designed to ensure that the Cardmember is always in control. The retailer must have first entered the purchase amount for approval and your Card has to be held in a very close proximity to the card reader (within 4cm) in order for a transaction to take place. In addition, terminals can only process one payment at a time.

Are there any fees and charges for the BIBD Credit Card?

Yes, please refer to the Bank’s Tariff of Fees and Charges which is available at any of our branches and published on our website.

When will I receive my BIBD Credit Card?

Your BIBD Credit Card will be ready within seven (7) working days. You can opt to have your BIBD Credit Card delivered to your designated address or collect it personally from your preferred BIBD Branch.

Can I use my BIBD Credit Card immediately upon receiving it?

Your BIBD Credit Card can only be used once it has been activated. You can activate your Card by calling BIBD Contact Centre at +673 2238181.

What should I do if my Card is lost or stolen?

In the event that your Card is lost or stolen, it is essential that you follow the following steps:

In country:

• Notify BIBD Contact Centre at +673 2238181 immediately to block or deactivate your Card.
• If you choose to deactivate and cancel your Card, the replacement Card will be issued to you within seven (7) working days.
• Card replacement fee will be charged to your BIBD account as per Bank’s Tariff of Fees and Charges.

Out of country:

• Notify BIBD Contact Centre at +673 2238181 or MasterCard*/Visa’s toll-free number attached together with your User Guide to immediately block or deactivate your Card.
• If required, you can request for an Emergency Card Replacement and/or Emergency Cash Disbursement.
• Assist the agents in providing the accurate information to assist them to proceed with your request. Upon approval, you will be given an estimated date, time and location for you to receive the emergency services requested.
• Card replacement fee and/or cash advance fee will be charged to your BIBD account as per Bank’s Tariff of Fees and Charges.

*For BIBD World MasterCard Credit Card only.

What can I do if I forget my BIBD Credit Card PIN?

Simply call our BIBD Contact Centre at +673 2238181 to reset your PIN.

What happens if I do not collect my BIBD Credit Card after being notified?

Your BIBD Credit Card must be collected within thirty (30) days from the date of notification. Following which, your BIBD Credit Card will be disposed. Should you request for your BIBD Credit Card to be re-issued, you will have to pay the prescribed Fee.

How can I check the balance and usage of my BIBD Credit Card?

You may call our BIBD Contact Centre at +673 2238181 to check the balance and usage on your BIBD Credit Card. Alternatively, you can also check through BIBD Online where you can register for e-Statements and download your statements. Another method is through BIBD Mobile app where you can assess your accounts via smartphone or tablets.

My BIBD Credit Card is due to expire / has expired. How do I proceed to renew my Card?

Your BIBD Credit Card will be renewed automatically one (1) month before expiry and you will be contacted once it is ready for collection. However, for certain cases, renewal may subject to Bank’s review. Should you need more assistance or information, refer to our Personal Banker who will be able to assist you with your renewal.

I would like to increase the credit limit of my BIBD Credit Card. How can I do this?

To increase the credit limit for your BIBD Credit Card, visit any of our BIBD Branches to fill up a form and attach your latest salary slip together for our review. Please take note that your request shall be subject to our assessment and approval.

I already have a MasterCard Credit Card with BIBD. Can I apply for BIBD Visa Credit Card while maintaining the existing Credit Card?

Yes. You have the option to retain your existing Credit Card and also apply for a new BIBD Visa Credit Card. Please take note that your request shall be subject to our assessment and approval.

I have an existing BIBD MasterCard Credit Card and would like to upgrade it to BIBD Visa Credit Card. Is it possible for me to do so?

Currently BIBD cannot accommodate such request. We would suggest that you maintain your existing Credit Card and apply for a new BIBD Visa Credit Card. In maintaining both your existing and new Credit Cards, you enjoy the benefits and privileges afforded by both.

I have two (2) types of Credit Card and have received two (2) statements. I noticed that my Rewards Points is the same in both statement. What does this mean?

The Rewards Points or Hadiah Points in your Credit Card statement reflects the total number of points which you have earned from the use of all your Cards including your Debit Cards. As such all your Card statement will reflect the same amount of Rewards Points or Hadiah Points.

In order to find out your Hadiah Points for Credit Card and Debit Card separately, you can go to BIBD Online or BIBD Mobile app and click Hadiah Points.

Is my BIBD Credit Card covered with Takaful?

Yes, depending on the BIBD Credit Card hold, upon condition that you purchase items and/or buy flight tickets with the amount fully charged to your BIBD Credit Card, you may be covered to one of the following:

• Travel Personal Accident; and/or
• Musafir Takaful that covers trip cancellation, trip delay, trip curtailment, baggage delay, loss of baggage and repatriation; and/or
• Purchase Protection to cover your loss or damage to your purchase items locally and abroad.

What should I do if I want to file a Takaful claim on my BIBD Credit Card?

BIBD will not attend to any takaful-related claims. Please direct any or all queries to Takaful Brunei Am Sdn. Bhd. located at:

2nd Floor, Unit 9 & 10,
Simpang 493, Kampong Beribi,
Jalan Gadong BE1118,
Brunei Darussalam.
Telephone: +673 2451803.
Fax: +673 2456684.

Given that my BIBD Credit Card is Shariah Compliant, are there any restrictions in transactions?

Your BIBD Credit Card is accepted at more than 36 million outlets worldwide including online transactions. Being a truly Shariah compliant requirement, transactions which appear to be in conflict with Shariah principles such as transactions at liquor stores and gambling sites will be declined.

Please be informed that from the Shariah perspective, Muslims are not encourage to purchase any gold or silver using their BIBD Credit Cards as such items are deemed usury commodity items which should not be transacted using such medium. This is solely to avoid Muslim cardholder from transacting with usury or ‘riba’.

We are a registered company without an account with BIBD. Are we able to apply for a Fleet Card?

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.

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