BNF Bank's team of professional bankers is committed to supporting commercial customers grow and prosper. Whether you're heading a start-up or a global venture, you can rely on BNF Bank to be a trusted partner in your journey.
The BNF Corporate and Business package offers you a convenient and holistic banking experience powered by the Bank's wide array of products, services and expertise. You will benefit from a differentiated service based upon customer-centricity and trust given by a team of professional bankers.
As a customer of BNF Bank, you will have access to the expertise and acumen of a team of dedicated professionals. The Bank is actively focused on providing you with a whole range of banking services centred around your business needs, from maximising deposit returns to various types of capital and financing options.
BNF Bank is a core-domestic Maltese Bank offering the full range of commercial banking services and products. As a key financial institution in the market, the Bank distinguishes itself by high standards in customer care.
Your Corporate Relationship Manager will visit you on a regular basis with the objective of better understanding your business operations and assess your banking requirements. Following a comprehensive analysis of your business cycle and requirements, the Bank will propose a customised financial solution tailored to your needs which may include:
Biz Flex Term Deposit
The BNF Biz Flex Term Deposit Account gives you the chance to deposit funds you may have in hand for a time period, with the flexibility of partial or full withdrawals during the term, for added flexibility, no questions asked!
Key features:
- available in 3, 6 and 12-month terms
- customers who avail themselves of the withdrawals prior to maturity can still earn interest on both the amount withdrawn and on the remaining amount kept in the Biz Flex Account
- the Account, denominated in euro, can be opened with a minimum balance of €100,000.
Credit Line
Your business may require more than one banking facility, hence following a comprehensive analysis of your business cycle and requirements, the Bank will propose a tailored Credit Line. Acknowledging that every business is unique, your Corporate and Business Banking team will develop a customised financial package that fits your specific requirements, which may include any or all of the following banking services or facilities:
Business Current Account
The BNF Business Current Account is more than an ordinary current account that gives you the possibility of issuing debit cards, chequebooks, standing orders and payment orders. It gives you the flexibility to manage your cash flow via BNF Internet Banking. The account is also available in major foreign currencies.
Key features
- Make cash deposits and withdrawals at your convenience anytime.
- Access to your own chequebook and free Debit Card.
Credit Card
BNF's Credit Card gives you the flexibility to manage your cash flow with the added benefits of offering you free travel insurance, purchase protection insurance and much more.
Key Features
- Allows you to effect additional payments
- Interest-free period up to 51 days
- Free Travel Insurance per rip for 90 days
- Free Purchase Protection for 90 days
- Additional extension of cover
Business Overdraft
Your business requires an element of financial flexibility in order to be prepared for unexpected eventualities. An overdraft facility operated as a limit on your BNF Business Current Account, enables you to have funds available to meet your daily working capital requirements and help you manage changes to your cash flow. A business overdraft can help ensure that you have funds in place and available immediately, should the unexpected happen.
Normally overdrafts are easy and quick to arrange and you will have access to the required funds in a short period of time. Your Customer Relationship Manager will be available to discuss your plans and needs and propose an overdraft limit and interest rate which best suits you.
Key Features
- Help you to meet your working capital requirements
- Access to a limit that suits your cash flow management
- Pay for stock and other costs without waiting for your business proceeds
- The business proceeds are to be credited to the BNF's Business Current Account on which the overdraft limit is set.
Business Loan
You will have access to flexible Business Loans that can be applied to a diverse range of business capital requirements, from acquiring new premises to set up your business, to obtaining finance to expand your operations into new markets. The Business Loan can also be tailored to any other purpose according to your needs.
Key Features
- Helps you finance the purchase/upgrade/renovation of your business premises/purchase of equipment, machinery and motor vehicles to be used for business and more
- Repayments tailored to your needs and in line with your cash flow
Trade Finance
BNF Bank offers a comprehensive range of trade finance services for the business community engaged in trading activities. These services carry attractive and competitive interest rates, and the Bank facilitates trading activity further, through close links with other correspondent banks.
As a Corporate and Business client, you have the opportunity to make use of customised solutions aimed to facilitate trade processes with foreign markets.
Key services include:
- documentary credits
- documentary collections
- documentary guarantees
Other Services
If your business requires more than one banking facility, your Corporate and Business Banking team can also cater for any, or a combination, of the following services:
- Signature Credit (including avalisation of bills)
- Foreign Currency Accounts;
- Cash Letters
- Direct Credits
- Foreign Currency Exchange Services
- Free Business Internet Banking.
Terms and conditions apply. Facilities are subject to the Bank's lending criteria. The availability of all facilities, deposit products and other products indicated herein are subject to the Bank's eligibility requirements and in all cases subject to the Bank's sole and absolute discretion. The Bank reserves the right to amend or withdraw the mentioned products from the market at any time, at its sole and absolute discretion and without any prior notice. BNF Bank p.l.c is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994 and is a member of the Depositor Compensation Scheme established under the Depositor Compensation Scheme Regulations (Legal notice 383 of 2015). Registered in Malta C41030 – 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta.