FAQ: BIBD CERTIFICATE OF DEPOSIT
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- Cora Gwen Boyd
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1 1. What is BIBD Certificate of Deposit? BIBD Certificate of Deposit is a Deposit Scheme through which you can invest your money and potentially earn annual dividend and get rewarded with prizes It is an open-ended deposit scheme that you can participate in and withdraw any time, subject to the terms and conditions You can accumulate your BIBD Certificate of Deposit and enjoy the opportunity to earn the dividend and the prizes through regular savings plan provided 2. Is BIBD Certificate of Deposit Shariah Compliant? Yes, the Shariah concept applicable is Wakalah. The Depositor ( Muwakkil ) enters into a Wakalah Agreement with the Bank ( Wakil ) and deposits a certain amount of money to the Bank to be utilized and invested in profitable Shariah-compliant transactions. For more detail, please refer to General Wakalah Terms & Conditions of Deposit Products. 3. What is the difference between BIBD Certificate of Deposit and Time Deposit? No Description BIBD Certificate of Deposit Time Deposit 1 Types of Scheme Open-ended Close-ended 2 Minimum Initial Deposit BND BND 1, Participation Participate anytime Anytime 4 Withdrawals Anytime Upon maturity 5 Currency BND BND & Foreign Currencies 4. Why should I invest in BIBD Certificate of Deposit? Potentially you can earn higher dividend rate than normal savings account subject to fulfilling the conditions Opportunity to participate in the Reward Program subject to fulfilling the conditions 5. How are BIBD Certificate of Deposit protected? This deposit is guaranteed protection up to the maximum of BND 50, per depositor under the Deposit Protection Order How do I open BIBD Certificate of Deposit? BIBD Certificate of Deposit can be opened through dedicated BIBD Branches, Internet Banking and Mobile Banking. 7. When I open BIBD Certificate of Deposit what will I get? You will receive e-cert. 8. What is e-cert? e-cert is a certification of subscribing to BIBD Certificate of Deposit The e-cert contain the following : Customer Name e-cert number Amount subscribed Date of Purchase Indicative Rate 1 P a g e
2 Indicative Amount Next Dividend Payment Date 9. Do you offer BIBD Certificate of Deposit with a variable dividend rate? BIBD Certificate of Deposit is a profitable Shariah-compliant transactions and the actual dividend may only be determined at the end of the Annual Dividend Date depending on the return on investment. 10. Who can open the BIBD Certificate of Deposit? Brunei Citizenship and Permanent Resident of Brunei Darussalam aged 18 and above Non-Citizens with valid work/student permit Age of 18 years and above. For below 18 years, joint account with parent or legal guardian 11. What are the documents required to open the BIBD Certificate of Deposit? For existing BIBD customer, identity card or passport For new customers, a. Mandatory to open Savings or Current Account (CASA) to facilitate transactions to and from BIBD Certificate of Deposit, if any b. Normal Account Opening process applies 12. Can I open BIBD Certificate of Deposit under joint name? Yes, you can. Normal Joint Account opening process applies. 13. Can a Blacklisted customer open the BIBD Certificate of Deposit? Normal Account Opening process applies. 14. What is the minimum amount to open BIBD Certificate of Deposit? The minimum amount to open the BIBD Certificate of Deposit is BND Can customer perform subsequent deposit to BIBD Certificate of Deposit? Customer can perform subsequent deposit in multiple of BND E-cert will be issued for every subsequent deposit. 16. Is there any maximum amount in the BIBD Certificate of Deposit? The maximum amount in BIBD Certificate of Deposit is BND 100, Is there any fees to open the BIBD Certificate of Deposit? There will be a subscription fee of BND 5.00 per new account. 18. Will I receive my BIBD Certificate of Deposit statement? No statement will be issued for BIBD Certificate of Deposit. 19. How can I check BIBD Certificate of Deposit account? You may check BIBD Certificate of Deposit Account via the following: a. BIBD Mobile Banking b. BIBD Internet Banking c. Counter d. Contact Centre 2 P a g e
3 20. Can the BIBD Certificate of Deposit be placed as collateral for financing? The BIBD Certificate of Deposit can be placed as collateral against financing subject to the minimum amount requirement for specific financing products as follows: a. Credit card - minimum of BND 1, b. Naqd - minimum of BND 3, Can I withdraw my BIBD Certificate of Deposit? Yes For BIBD Certificate of Deposit account with no subsequent deposit into the account, the withdrawal will be treated as premature uplift. The account shall be deemed closed when the customer withdraw the entire balance in the account For BIBD Certificate of Deposit account with subsequent deposit, the withdrawal can be made per e-cert. The withdrawal will be treated as partial withdrawal. Account remains open subject to Terms & Conditions 22. Can I withdraw partially from my BIBD Certificate of Deposit and maintain the balances? Please refer item What if I need to close my BIBD Certificate of Deposit before the Annual Dividend Date? You may close your BIBD Certificate of Deposit, however your Annual Dividend may be forfeited. 24. Do you charge early closure fee for BIBD Certificate of Deposit? There is no early closure fee imposed for BIBD Certificate of Deposit. 25. Can I deposit (top up) into my BIBD Certificate of Deposit? Yes, you can deposit (top-up) into your BIBD Certificate of Deposit in multiples of BND anytime. 26. What is the indicative dividend rate of BIBD Certificate of Deposit? The indicative dividend rate is published in our website. 27. What are the conditions to be eligible for the Annual Dividend? There are two (2) conditions to be eligible for the Annual Dividend. The BIBD Certificate of Deposit a. must be hold until the Annual Dividend Date, AND b. must be hold for a minimum of 180 days before the Annual Dividend Date 28. I am not eligible for the Annual Dividend for 2017 due to not fulfilling condition b (Refer Question 29). However I am eligible for the Annual Dividend for In this scenario, will I be eligible for 2017 dividend? Yes. You will be eligible for the pro-rated dividend in P a g e
4 29. I have closed my BIBD Certificate of Deposit last month and now decided to open it again. Can I open it again? Yes, you can. There is no restrictions for you to open the BIBD Certificate of Deposit again and enjoy similar benefits. However, you will be charged subscription fee of BND Can I open BIBD Certificate of Deposit under joint name? Yes, you can. Normal Joint Account opening process applies. 31. I have only BND excess fund every month for savings but it is still less than minimum initial deposit of BND and I wish to open BIBD Certificate of Deposit. Is there any way that I can open the BIBD Certificate of Deposit on monthly installment basis? You may open a Purpose Saver Account yourself via BIBD Internet Banking or Mobile Banking. Once you have accumulated the minimum initial deposit, you can then open the Certificate of Deposit as per Question Can the ownership of the BIBD Certificate of Deposit be transferrable? BIBD Certificate of Deposit ownership cannot be transferrable. However, the ownership may close the BIBD Certificate of Deposit and open a new BIBD Certificate of Deposit under the transferee name. 4 P a g e
5 33. Can I add beneficiaries to my BIBD Certificate of Deposit account? Alternatively, you may want to open BIBD Certificate of Deposit under joint name with one (1) beneficiary at a time. 34. Can I give BIBD Certificate of Deposit as a gift? BIBD Certificate of Deposit is a savings deposit scheme where the ownership is the account name. Alternatively you may want to consider opening BIBD Certificate of Deposit under the giftee and it is not transferrable. 35. Can BIBD Certificate of Deposit account bypass letter of administration or probate? No. The normal Deceased Account process applies. 36. What is the Reward Program? The Reward Program is aimed to encourage our customers to save and at the same time to incentivize with rewards for saving. 37. Where is the source of funds for Reward Program? BIBD will allocate prizes from its own costs and expenses for the Reward Program. 38. How is the draw conducted? The Prize Draws will be conducted either through electronic or hand draws. 39. How do I join the reward program? By opening a BIBD Certificate of Deposit, you are automatically enrolled into the reward program based on the terms and conditions. 40. What are the eligibility to join the reward program? The minimum holding period to be eligible for the Prize Draws is ninety (90) days before the Draw Date. 41. When is the reward program effective from? By participating in the BIBD Certificate of Deposit, you will be automatically eligible for participation in the Reward Program based on the terms and conditions. 42. When do the draws take place? The Draw for this Reward Program shall be held o monthly o quarterly and o annually (Grand Draw) 43. What are the eligibility to join the Quarterly Draw? The minimum holding period to be eligible for the Quarterly Draw is ninety (90) days before the Draw Date. 5 P a g e
6 44. What are the eligibility to join the Annually Grand Draw? The minimum holding period to be eligible for the Annual Grand Draw is ninety (90) days before the Draw Date. 45. How many draws would I get if I have a BIBD Certificate of Deposit of BND 1,000.00? For every BND 50.00, you will qualify for 1 draw. BND 1,000.00, you will get 20 draws. 46. How can I check my draw entry? You may check your draw entries by the following: BIBD Internet Banking BIBD Mobile Banking 47. How do I know if I have won a reward? Details relating to the Prize Draws shall be published in the local newspapers and/or the official website as well as social media of BIBD. 48. Where will the draws be held? Details relating to the Prize Draws shall be published in the local newspapers and/or the official website as well as social media of BIBD. 49. What are risks that I should consider before applying for this product? Due to the nature of the underlying concept of this product, the actual dividend may only be determined at the Annual Dividend Date depending on the return of the investment. 6 P a g e
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