Interest Rates

Interest Rates displayed below are gross rates and per annum. They are indicative only and may be revised without notice.

BNF Bank Base Rates
Base Rate Rates (p.a.)
Bank Base Rate 2.50%
Home Loan Base Rate 2.20%
Credit Interest Rates (p.a.)
Savings account   Interest Rates effective from 01.11.19
Balances EUR GBP USD
Up to 50,000 0% 0% 0%
Over 50,000 0.05% 0% 0%
Deposit Accounts
Type of account Balances Credit Interest Rates (p.a.)
EUR GBP USD
Direct Salary Account Up to 25,000 0.25% n/a n/a
Over  25,000 0% n/a n/a

Current Account

Salary Account

Any balance 0% n/a n/a
Students Online Savings Account Up to 2,500 0.25% n/a n/a
Over 2,500 0% n/a n/a
Students Current Account Any balance 0% n/a n/a
Basic Payment Account Any balance 0% n/a n/a

 

Saving Schemes
Type of account Period Balances (€) Rates (p.a.)
Hi-Saver Account* 1st to 12th month Any balance 0.75%
13th to 15th month 1.75%
Monthly Savings Scheme Full period Any balance 0.50%
New Generations Account Full period Up to 25,000 1.75%
Over 25,000 0%

* The Hi-Saver Account is a 15-month term deposit split in two terms as described in the above table.

 

Standard Term Deposits

EUR

Rates (p.a.)

Term

Minimum balance €500 - €1,000,000

3 months

0.10%

6 months

0.15%

1 year

2.55%

2 years

2.60%

3 years

2.75%

4 years

2.00%

5 years

2.00%

  7 years

  1.75%

GBP

Rates (p.a.)

Term

Minimum balance £500 - £1,000,000

1 month

0.01%

3 months

2.00%

6 months

2.50%

1 year

3.00%

2 years

3.00%

3 years

3.00%

USD

Rates (p.a.) 

 

Term

Minimum balance $500 - $1,000,000

1 month

0.01%

3 months

0.10%

6 months

0.15%

1 year

0.20%

2 years

0.30%

3 years

0.40%

Flexi Term Deposits

Term

Withdrawal Dates

Rates (p.a.)

1 year

91st day

0%

181st day

0.10%

271st day

0.25%

Maturity

2.55%

2 year 

181st day 

0.10%

366th day

0.50%

Maturity

1.00%

3 years

366th day

0.45%

731st day

0.75%

Maturity

1.20%

Internet Banking Term Deposits
Term (days)Rates (p.a.)
€500 - €250,000
45 0.05%
90 0.15%
180 0.20%
360 2.55%
730 2.60%
1095 2.75%

Malta Stock Exchange
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BNF Bank p.l.c. is a credit institution licensed by the MFSA to undertake.
The business of banking in terms of the Banking Act 1994.