WHO SHOULD register? 
Citizens or Permanent Residents of Brunei Darussalam

Below the age of 55 years old

Receive pension or does not receive pension

Working in Public or Private Sector


Under the Employee Trust Act - a person who works and receives payment for the work he/ she performs is considered as an employee.

Permanent employee,

Temporary employee

Contract employee

Probation employee

Director receiving salary


What are the contribution rate?
Mandatory rate prescribed by the TAP Act is 5% of Employee's salary

Additional contribution of 5% from Employer

Contribution must be rounded up to the next dollar.


WHO should register?

Citizens or Permanent Residents of Brunei Darussalam

Between the age of 18 to 60 years old

Does not receive any pension from service with the Government

Working in Public or Private Sector

What is the contribution rate?

Mandatory rate prescribed by the SCP Trust Order is 3.5% of Employee's salary and 3.5% from Employer.

SCP contribution has to be rounded up to two decimal points.

1/7 of the total SCP contribution will be put aside into the Survivorship Protection Fund. The remaining will be put into member’s SCP Account.


SCP Benefit

Monthly payment benefits (annuity)

Members will receive a monthly payment depending on the amount of the savings upon attaining the age of 60 years for a period of 20 years. 

If the member has fulfilled the requirement of contributing 7% per month continuously for a period of 420 months (35 years), the minimum payable amount is B$150.00 per month.

For a member who has attained the age of 60 years old and fulfilled all the requirements of contributing 7% for 420 months but does not have an adequate savings to enable the payment of the minimum amount of B$150.00, His Majesty's Government will top-up this shortfall so as to ensure that the withdrawal of the minimum amount of B$150.00 per month can be made.

Survivorship Benefit

Survivorship Benefit is a monthly payment made to the dependent (widow and children under 21 years old) of a member at an amount of B$400.00 per month if a member dies before attaining the age of 60 years old.

Eligibility for Survivorship Benefit

A member dies before attaining the age of 60 years old and has made a continuous contribution until the month immediately preceding the month in which he died. The period of payment is 15 years with effect from the date the member died.

Where a widow dies or re-marries, the balance of the survivorship benefit shall be paid to her children who are below the age of 21 years old.

Not eligible

If a member's widow died or re-married or if a member's children died or married (even before attaining the age of 21 years old) or the children have attained the age of 21 years old before the expiry of 15 years period, the balance of such Survivorship Benefit shall be distributed to the deceased member's beneficiaries in accordance to hukum syara'. If the deceased member was a non Muslim, the distribution shall be made in accordance to the deceased member's will or in accordance to intestate succession. 

Such changes in the status of the beneficiaries should be informed to TAP as soon as possible.

Derivative SCP benefit

Where a member dies, the balance in his SCP account will be paid lump-sum to the eligible beneficiaries as stated in a letter obtained from the Probate office.


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Any individuals who are aged from 18 - 60 years old

Citizens and permanent residents of Brunei Darussalam

Do not have a formal job where there is a contract of service between an employer and employee

No longer working in a formal job where there is a contract of service between an employer and employee

Do not receive any pensions from a pensionable scheme of service

Receive an income from service done whether on a monthly basis or not



Any self-employed individuals who chooses to voluntarily contribute B$17.50 to TAP on a monthly basis, the Brunei Government will match the contribution amount of B$17.50.

Self-Employed individuals will gain dividend returns from their savings in TAP.

If these individuals die before attaining the age of 60, their beneficiaries will receive B$400.00/month of Survivorship benefit, subject to terms and conditions. (refer to 'SCP Benefits' under 'SCP')



An excerpt of
His Majesty the Sultan and Yang Di-Pertuan
Negara Brunei Darussalam's royal speech
15 July 2012 at the Balai Singgahsana Istana Nurul Iman

"Satu Skim Tabungan Perumahan, diwujudkan khusus untuk ahli-ahli TAP rakyat Negara Brunei Darussalam. Keutamaan mengujudkan Skim ini ialah sebagai bantuan kepada ahli-ahli TAP yang berpendapatan rendah. 
Skim sukarela atau voluntary ini, akan melayakkan peserta-pesertanya untuk menerima manfaat-manfaat tertentu, antaranya jaminan pemberian pulangan tahunan dengan kadar tertentu; dan bagi peserta yang pendapatan keluarganya (household income) tidak melebihi $4,000 sebulan, akan layak untuk dihulurkan bantuan Kerajaan berjumlah tidak melebihi $25,000."


What is the objective of the housing fund scheme?
The objective of this fund is to encourage citizens of Brunei Darussalam who are members of TAP to own a house within one's means by practicing the habit of savings.


What are the conditions for participating in this Scheme?
A citizen of Brunei Darussalam (Yellow Identity Card)
Aged 55 years and under
Does not have a house either for themselves or his wife/her husband
Does  not  receive  a  monthly  pension  from  his  service  with  the Government.

How can a member participate?
TAP members who have met the conditions to participate in the scheme may register via e-Amanah.


How much is the contribution rate? 

This Scheme is by voluntary only. The amount of monthly contribution depends on the participants' financial capability.

Are employers required to contribute?
Since this scheme is a voluntary savings scheme, hence no contribution from the employer is required.


Guaranteed Dividend Rate 

The Government will provide a guaranteed dividend rate of 3% per annum on the savings made under this Scheme, which is the average saving's balance for each Financial Year. 
At  any  time  that  the  TAP's  dividend  rate  is  lower  than 3%, the Government will provide assistance to top up any shortfall in the dividend declared by TAP for that financial year.
This benefit will only be extended to individual participants who receive basic salary not exceeding B$6,000.00 per month.


Home Ownership Financial Assistance

The Financial Assistance under this Scheme is exclusively for the participant of this Scheme whose average monthly income in the last 24 months preceding the date of the application is not more than B$2,000; or household income of not more than B$4,000 per month.

What is meant by monthly income?
The definition of monthly income is under this scheme is following the definition of 'salary' in the TAP Act.



TAP members are encouraged to contribute more than the mandatory contribution rates (5% for TAP, 3.5% for SCP) to increase their savings. 


Registered TAP members.



There is no minimum or maximum amount set for voluntary contribution.



Members are not obliged to make the voluntary contribution on a monthly basis. It is not mandatory for Employer to contribute more than the prescribed rate. Withdrawals of funds are subjected to the available TAP and SCP withdrawal schemes. Terms and conditions apply.