Pay Bill / Top Up
Progresif PAY

Ta-Da. We just turned your phone into a wallet.

Progresif PAY is Brunei’s first Mobile Wallet that lets you pay, get paid, Top Up, and transfer money instantly. Easy to set up, easy to use, and secure. Download it today and start enjoying the Progresif way to pay.

download the app

Pay Bills

Pay for utilities bills, make donations and more right from your phone.

Send Money

Easily send money to friends and family – all they need is the app and a Progresif account.


Shop online, just like a credit card, and use your app at participating local stores.

Top Up & More

Add Data, Top Up minutes and more on your Progresif line right from your phone.

Simple & SECURE.


You are required to visit a Progresif Store or BIBD branch for identity verification and registration. Then, activation of the virtual card is immediate once you have completed your Progresif PAY registration.


Your Progresif PAY virtual card is not tied to any of your other bank accounts or credit cards, so your exposure to fraudulent activity is very limited.


In the event your actual card is lost or stolen, or you feel the need to stop transactions on your account, the virtual card can be blocked immediately via the Progresif PAY app.


One-time password authorization at participating vendors, SMS notifications and more all give you added protection and sense of security.



Frequently Asked Questions

Progresif PAY is a mobile wallet application offered by Progresif and powered by BIBD enabling customers to manage, make payments, transfers along with online shopping. The app features a co-branded prepaid Virtual Mastercard (‘VMC’), which uses funds already stored within the Progresif PAY itself. This co-branded Virtual Mastercard is a collaboration between Bank Islam Brunei Darussalam (BIBD) and Progresif Cellular (Progresif).

The Progresif PAY is only available in Progresif PAY app.

The owner of the Progresif PAY can only spend the equivalent amount of funds available in the Progresif PAY.

Funds used in the Progresif PAY are called electronic money, and these funds can be topped-up or withdrawn from transferring from either one VMC to another VMC or through BIBD ATM and Cash Deposit machines nationwide.

The Progresif PAY is a wholly virtual card. All card details can be viewed via Progresif PAY app.

Only customers who have a registered Progresif line holder can apply for the ProgresifPAY. In order to register, customers must:

  • Be 15 years old and above;
  • Have a Registered Progresif sim card number/holder (Only);
  • Have a Valid IC.

With ProgresifPAY, you are able to:

  • Monitor your Progresif Postpaid line and pay instantly;
  • View balance & Top Up Progresif Prepaid line and purchase add-ons;
  • Send Cash (VMC to VMC);
  • Purchase eVouchers (SnapFeed);
  • Make eCommerce / online purchases (3D Secure Acceptance);
  • Inquire your ProgresifPAY Balance;
  • Make Bill Payments;
  • Perform Top-Up Services (DES, Progresif & DST Pre-Paid Accounts);
  • Purchase eCredits
  • Enjoy QuickPay Services;
  • Make ATM Cardless Withdrawals;
  • Deposit money through Cash Deposit Machines;
  • Make QR Code Payments;
  • Make payments through Near-field communication (NFC) (coming soon).

Yes you can use your current BIBD Online / BIBD Mobile credentials during the registration process.

No. You do not need to be a BIBD customer to register for Progresif PAY.

To apply for ProgresifPAY App, simply;

  • Download the ProgresifPAY app

    Search for ProgresifPAY through either Apple’s App Store or Google’s Google Playstore and install the ProgresifPAY App.

  • Register ProgresifPAY

    You can register in the ProgresifPAY App by clicking on ‘Registration’ and following the registration steps.
  • Activate ProgresifPAY

    Once you register from the ProgresifPAY app, you will need to visit any Progresif or BIBD store for ‘Approval’ and ‘Activation’.
  1. Download the ProgresifPAY app

After downloading and installing ProgresifPAY app, customer must take note that:-

  • For security purposes, this appApp can only be used if the phone Password Lock feature has been enabled
  • If it is the first time you are using the ProgresifPAY app, you are required to allow ProgresifPAY to;
    • Access your contacts
    • To take pictures
    • To access the device’s location
    • To access photos, media and files on the device
  • Go through the welcomescreens and Click on ‘Let’s Start Now’
  1. Register ProgresifPAY

After downloading the App, follow the steps to register according to the table below:-



(No account with BIBD)


(Existing BIBD account holder)


Press ‘Register’

Press ‘Register’


Click ‘Continue’

Click ‘Continue’


Select ‘No’

Select ‘Yes’


Select ID Type – For now it will be Brunei IC only

Click on ‘Let’s Get It’


Select Brunei IC (Yellow / Purple / Green)

Enter your BIBD Online or Mobile User ID and Internet PIN


Capture your IC – ‘Front’

Click ‘Continue’


Capture your IC – ‘Back’

Review all the information that has been listed as well as to fill in all the mandatory fields that may be empty


Input the required information for all the mandatory fields

Click ‘Continue’ once done


Click ‘Continue’

Input the name to appear on the ProgresifPAY, along with your email and your Progresif number


Input the name to appear on the ProgresifPAY, along with your email and your Progresif number

Tick to confirm that you agree and review to the Terms and Conditions


Tick to confirm that you agree and review to the Terms and Conditions

Click ‘Proceed’


Click ‘Proceed’

Go through the information once more and make sure all the information is correct


Go through the information once more and make sure all the information is correct

Click on ‘I Agree and Confirm’


Click on ‘I Agree and Confirm’

Enter the 6 digit One Time Password (OTP) to complete the registration.


Once application is accepted, you may locate the nearest branch to get your registration approved

You then able to activate by login using your existing User ID credentials

  1. Activate ProgresifPAY
  • Approval

Customers will need to get the their application approved first in order to activate.

After registration is done, you can get your application approved at the nearest Progresif or BIBD  store.

At the store, you are required to produce the original copy of your IC or passport to the BIBD representative at the Branch.

After verification, the representative will submit your application for approval.

Once approved, the user will then receive a confirmation email and text and they will beready for activation.

NOTE: For Existing to Bank customers, you do not need to go to a Progresif or BIBD store  to get your application approved. Simply proceed to the ‘Activation’ step.

  • Activation

To Activate, to perform the following:-

    • Launch the ProgresifPAY App
    • Click on ‘Login’
    • Input the User ID created during registration
    • Click ‘Continue’
    • Key in the 6 digit One Time Password (OTP) that you will receive on the mobile number provided during registration
    • If the OTP is correct, you will then be required to create a Mobile Password (must be alpha numeric and must be 8 characters)
    • Once inputted and confirmed, click on ‘Activate Now’
    • Once Login Setup is successful, you are then required to click on ‘Take me to Login’ and conduct the login process with the Mobile Password created.

If you have issues installing, please check to ensure that:

  • The phone you are using is not rooted or is running on any illegal third party software
  • The phone is running on the latest operating system of both iOS and Android

If the problem persists, please call the ProgresifPAY Care at 176 and provide the following information:

  • The brand and model of the device used
  • The iOS or Android version of the device
  • The error encountered

A User ID is your login detail or username, which you will have to create during registration process. Your User ID can be only be alphabetical, numbers, with only underscore symbols with a minimum or 9 characters.

A Mobile Password is your Progresif PAY account password, which you will have to create during registration process. Your mobile password is a 2nd layer of authentication; the first being Biometrics authentication. Mobile Password has 8 characters, and must be alpha-numeric (alphabets & numbers only).

Biometrics is the use of Fingerprint scanning, Touch ID, Facial scanning or Face ID as an authentication and identification of the customer and their device.

Simply allow and enrol the use of Biometrics on your device to use this feature.

Please note that your mobile phone must be equipped with biometrics features to enable you to add your fingerprints on your own device. For devices without fingerprint scanning, you will need to enrol the facial scanning.

To change your biometric on your current or new device, please follow these steps:

Step 1: Login to the app
Step 2: Click the 3 dots on the top right corner
Step 3: Click Settings
Step 4: Click ‘Disable Biometrics’
Step 5: Proceed with disable biometrics
Step 6: Click ‘Back to login’
Step 7: Enter your user id and proceed to login
Step 8: OTP will be sent and user has to key in
Step 9: Confirm your biometric setup either via Fingerprint or Face

Your Biometric has been set up successfully.

Yes, you can install and login the same User ID on multiple devices.

If the device has biometric features, you need to first add your fingerprint  on the device. Then on the app:-

  • Click ‘Login’
  • Enroll to the Fingerprint or Facial recognition (Biometric setup)
  • Enter Mobile Password
  • Then you are logging in to the app

Note: For ANOTHER USER who wish to use the app on the same device, you need to disable your biometric first. To do that, please follow the following steps:-

  • Click ‘Login’
  • Verify your fingerprint or facial recognition
  • Enter Mobile Password
  • When you are loggedin to the app, click the ‘…’ (Settings) on top right side of the screen
  • Click ‘Setting’
  • Click ‘Disable Biometric’
  • Click ‘Yes, Proceed’
  • You will then be logged out from the app

Simply call our Progresif PAY Care at 176 and our dedicated agents will assist you accordingly.

Yes, you will be able to log in to both BIBD Mobile Banking and Progresif PAY on the same device but not at the same time. You will also be able to use your fingerprint biometric for both devices.

You can make appropriate changes by going to any Progresif or BIBD store appappor call Progresif PAY Care at 176

Yes,it will as the same User ID is linked to both applications. If it is due to a wrongly inputted Mobile Password, you may click on ‘Forget Mobile Password’ and follow the instructions. If it is due to unforeseen circumstances, you may call the Progresif PAY Care at 176.

You can add cash in to your Progresif PAY through:-

  • Reload to Progresif Pay through Progresif Branches;
  • Any BIBD Cash Deposit Machine;
  • Receive cash from others through BIBD Mobile App;

You can send cash using the ‘‘Send’’ cash feature;

  • Click ‘‘Send’’
  • Click ‘‘New Mobile Number’’
  • Enter Mobile Number
  • Click ‘‘VMC Type’’ and then ‘‘Continue’’
  • Enter the Amount to be transfer
  • Enter a Description (If required) and then ‘‘Proceed’’
  • Verify your ‘‘Send’’ Details
  • Click ‘‘Confirm & Pay’’ to complete the transaction

Yes, you can send cash from a Progresif PAY to a BIBD vCard and vice versa.

There are 2 ways you can Top Up Progresif Prepaid line.

  1. Directly Top Up into your own Prepaid line:-
  • Login
  • At Main Menu, Choose ‘Top Up’
  • Prepaid line details displayed (mobile number and current balance)
  • Select amount of Top Up
  • Proceed to see Transaction Details
  • Click ‘Confirm & Pay’
  • A ‘Payment Successful’ will be displayed.
  1. Top Up to another Prepaid line:-
  • Login
  • Go to ‘Wallet’
  • Choose ‘Transaction’
  • Select ‘Top Up’
  • Choose ‘Progresif Top Up’
  • Enter mobile number
  • Enter the amount
  • Proceed to see Transaction Details
  • Click ‘Confirm & Pay’
  • A ‘Payment Successful’ will be displayed.

NOTE: All transactions performed in Progresif PAY have a transaction Acknowledgement Number or Reference ID.

You have two options. You can either:

  • Directly pay your outstanding account balance in Full or make Partial payments from the Main Menu:-
    • Login
    • At the Main Menu, Choose ‘Pay Bill Payment’
    • Choose ‘Full Bill Payment’ or ‘Partial Bill Payment’
  • For Full Payment
    • Click ‘Confirm to Pay’
    • A ‘Payment Successful’ will be displayed
  • For Partial Payment,
    • Enter Custom Amount for payment
    • Click ‘Confirm to Pay’
    • A ‘Payment Successful’ will be displayed

You will see your Payee Name, Bill number and your account’s bill amount to pay. If you have more than one line under your account, they will all appear here.

Yes, you can. When making a payment, you can choose from a number payees already available to you at the ‘New Payee’ dropdown option.

In order to complete the payment, you will need to enter your bill number or reference number as well.

Table below the list of payees currently available.










Telekom Brunei Berhad


Electrical Services


Water Services


Authoriti For Info-Communications Technology Industry


Dana Pengiran Muda Mahkota Al-Muhtadee Billah


Care and Action for Strays


Chung Hwa Middle School


Baiti Baitul Quran


Tabung Amanah Pekerja


BIBD AT-Tamwil


Jerudong International School


Jabatan Kerja Raya – AIR


Jabatan Perkhidmatan Elektrik


Kristal Astro


Mashhor Cleaning Service




Takaful Brunei Am – Motor Takaful


Takaful Brunei Am – Non Motor Takaful


Telbru Sdn Bhd


Takaful Brunei Keluarga


Tabung Dana Pembinaan Masjid


Yayasan Carpark


Yayasan Property Rental


Yayasan School Fees


MOF – Royal Customs and Excise Department


Tabung Badan Kebajikan Kebangsaan


Tabung Anak-Anak Yatim


Tabung Orang-Orang Cacat


Rentokil Initial Sdn Bhd


Persatuan Sindrom Down


Sparkly Domestic Divas


Insurans Islam Taib Family Takaful Sdn Bhd


Klinik Noor Rohaya (Account Name : Simvolous Consultancy & Medical Supplies Sdn Bhd)


Darussalam Enterprise


UNISSA – Category 1 : Fixed/ Seminar


UNISSA – Category 2 : Rental/ Revenue/ Others


Pocket Vendor




DES School



To purchase Prepaid Add-ons;

  • Login
  • At Main Menu, Choose ‘Purchase Add-ons’
  • Select the list of available Add-ons
  • Choose ‘Confirm’
  • A confirmation message will be displayed.

Postpaid Add-ons is coming soon to Progresif PAY.

You can simply:

  • Login
  • In the Main Menu, choose ‘Purchase Add-ons’
  • You can view them under ‘My Add-ons’

You can simply:

  • Login
  • At Main Menu, Choose ‘ View Balances
  • You will see you Prepaid account balance.

You can make online purchases like any other card by using the card details;

  • Entering in your 16 digit card number
  • Enter the expiry date
  • Enter the CVV number

These information can be found on your Progresif PAY Wallet; after you login, tap on the bottom right of the card to find it.

Depending on the merchant website, an One Time Password (OTP) will be sent to your mobile number for you to complete the purchase.

You can purchase eVouchers by simply:

  • Logging in
  • Go to ‘Wallet’
  • Select ‘eVouchers’
  • Choose the category or voucher
  • Enter SnapFeed email address
  • Confirm your puchase

You will need to launch the SnapFeed app and tap on the ‘Vouchers’ tab, where you will see the voucher you purchased.

Simply tap on the voucher and let the cashier scan the QR code.

Cardless Withdrawal is the feature to withdraw from any BIBD ATM by using your ProgresifPAY app to request a PIN.

This request generates a temporary ‘6’ digit PIN, and can be requested anytime.

To use ‘Cardless Withdrawal’, simply;

  • Log in to ProgresifPAY app
    • Go to ‘Wallet’
    • Select ‘Cardless Withdrawal’
    • Request PIN and 6’ digit PIN number displayed
  • To withdraw cash from BIBD ATM:
    • Activate the ATM by touching the screen
    • Select language
    • Select Cardless Withdrawal
    • Enter your ProgresifPAY card no.
    • Enter the ProgresifPAY PIN (obtained earlier from ProgresifPAY)
    • You will see your Card Details shown as confirmation
    • Enter Amount to be withdrawn
    • Money will be dispensed & a receipt will be printed

NOTE: You will be charged respective fees per transaction. (Refer to no. 35)

Each ProgresifPAY PIN is only vaild for ten (10) minutes. Should you wish to withdraw any cash beyond the one (1) time limit, you can always use go back to the ProgresifPAY app and request for another ProgresifPAY PIN.

To view your transaction history,simply:

  • Click on the ProgresifPAY ‘Wallet’
  • Click on your ProgresifPAY card

You will see a list of all your transactions, up to 3 months .

Yes, please refer below:


Transaction Type

Frequency Per Day

Limit Per


Daily Transaction Limit


Person to Person Payments / Send Cash

(BIBD vCard to ProgresifPAY)





Person to Person Payments / Send Cash

(ProgresifPAY to ProgresifPAY or

ProgresifPAY to BIBD vCard)





ATM Cardless Withdrawal





CDM Cash Deposit Machine


50 notes



Bill Payment (Wallet)





Progresif/DES/DST Top up (Wallet)





Progresif Instant Bill Payment (Main Screen)





Progresif Instant Top up (Main Screen)





ECommerce/Online Purchase





‘Marketplace’ eVouchers & eCredits





CDM Deposit Limits – Coming Soon





Transaction Type



Send Cash or Cash Transfer



ATM Cardless Withdrawal



Bill Payments other than Progresif Bills


Currently, there is no Annual Fee imposed.

The app is available for download for free and there are no subcription fees. There are also no data charges when you use the ProgresifPAY app on a Progresif line.

ProgresifPAY is valid for 1 year and willautomatically renew. Upon renewal, any remaining balance in your card will automatically be transferred into your new ProgresifPAY.

If you wish to terminate your ProgresifPAY, please transfer or withdraw your remaining balance and contact the ProgresifPAY Care at 176 to terminate your ProgresifPAY.

Yes, ProgresifPAY will work outside Brunei as long as you have access to the internet. However, there will be some transactional functionalities which are currently only applicable within Brunei such as NFC, eTunai and QR Code payments.

To change your phone number that is tied to your ProgresifPAY, contact the ProgresifPAY Care at 176.

Yes, you can request to block via the ProgresifPAY Care at 176 or manually in the app:-

  • Login
  • Go to ‘Wallet’
  • Click on the ‘ProgresifPAY card’
  • Click card ‘Settings’ on top right of the screen
  • Click ‘Block Card’
  • Press ‘Yes, proceed’

Note: Once you have blocked your card, you cannot do any transactions.

To Unblock, you have to call the ProgresifPAY Care at 176.

Yes, You must immediately report to the ProgresifPAY Care at 176 if you believe your card has been compromised in any way and request for a replacement card.

  • ProgresifPAY Registration Inquiries – Press 1
  • ProgresifPAY Card Transactions such as:
      • Deposits,
      • Transfers & withdrawals,
      • Payments using the ProgresifPAY – Press 2
  • For Progresif Products and Services such as:
  • Progresif Top Up & Bill payments,
  • Progresif service offerings,
  • Progresif plans,
  • Progresif promotions and bonuses – Press 3

Yes the number to call is +6738330176 or you may chat with us through the ProgresifPAY application by clicking on:

  • Contact Bank
  • Click on ‘Live Chat’
  • And you may proceed to ask what you need to know or gain the assistance you require

Please contact our ProgresifPAY Care at 176.

No, currently registration can only be done with a valid Brunei IC of any color.

No, you can only register ProgresifPAY with a Progresif line.

You will need to reset your Mobile Password using ‘Forgot Mobile Password’ feature in either ProgresifPAY app or BIBD Mobile app.

You can request for one by clicking the ‘Resend OTP’ feature found on the bottom of the screen at the OTP page.

If you still have not receive OTP, please call our ProgresifPAY Care at 176.

Please call our ProgresifPAY Care at 176 and we will assist you accordingly.

No, Cardless withdrawals can only be performed at BIBD ATMs only.

There is no deactivation or dormant charges for any period of inactivity with ProgresifPAY. However, you need to have an active Progresif Sim to keep using ProgresifPAY.

No, each ProgresifPAY account is linked to a single Progresif Line and a unique IC number.

There is no minimum deposit required for ProgresifPAY. However, customers must have enough balance if they wish to use certain ProgresifPAY Services.

The ProgresifPAY card can make online purchases where there is Mastercard acceptance.

However, like any other card servicess provided by BIBD, some transactions are prohibited, in accordance to Shariah principles in ProgresifPAY card Terms and Conditions.


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