TAIB Deposit Certificate (TDC)

TAIB Deposit Certificate (TDC) is a Syariah Compliant term deposit with tenure of 1. It is based on the Syariah concept of Mudharabah Muthlaqah (unrestricted profit sharing) and denominated in Brunei currency. Profits will be shared based on the agreed pre-determined profit sharing ratio.

Syariah Concept

Mudharabah Muthlaqah (Unrestricted Mudharabah)

  • To inculcate Savings and discipline oneself from spending
  • To create option for Depositors
  • For Depositors future needs and financial planning
Type of Account

Term Deposit


1 year with option to auto roll over (principal only)

  • Aged 18 and above
  • Brunei Citizens / Permanent Residents / Foreign nationals with valid residency permit
  • Minimum Deposit of $100 per certificate
  • Must be Al-Wadiah Savings Account holder
  • Individual or Joint
  • For Foreign nationals:
    • Original valid Identification Card
    • Original valid Passport
    • Employment Pass or Dependent Pass (Child/Spouse) - at Least 3 months validity but expiry must not be less than 6 months
    • Letter of Employment/Contract agreement
    • Satisfactory evidence of residential address such as rental agreement / water bill
Required Documents
  • Individual
    • Identification Card
  • Non-Individual
    • Authorised Letter for Opening TDC
  • Low minimum deposit
  • Profit Sharing Ratio of 70 (Customer): 30 (TAIB)
  • Syariah Compliant
  • Unlimited number of certificates per holder

Frequently Asked Questions
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