ATM Upgrade Schedule
PSD Countries & Currencies
PSD Countries
The countries of the European Economic Area are in scope of the PSD. The countries are:
- Austria
- Belgium
- Bulgaria
- Cyprus
- Czech Republic
- Denmark
- Germany
- Estonia
- Greece
- Spain
- Finland
- France
- Hungary
- Ireland
- Iceland
- Italy
- Lithuania
- Liechtenstein
- Luxembourg
- Latvia
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Sweden
- Slovenia
- Slovakia
- United Kingdom
PSD Currencies
The local legal currencies in the countries mentioned above are in scope of the PSD. The currency codes are:
BGN, CHF (*), CZK, DKK, EEK, EUR, GBP, HUF, ISK, LTL, LVL, NOK, PLN, RON and SEK.
* CHF is only considered in scope of the PSD if the payment is to/from or within the countries listed above. Payments in CHF, to/from or within Switzerland are not in scope of the PSD.
BNF BANK Base Rates
Base Rate
Rates (p.a)
Bank Base Rate
2.50%
Home Loan Base Rate
2.20%
Savings Account - Credit Interest Rates (p.a)
Balances
EUR
GBP
USD
Up to 50,000
0%
0%
0%
Over 50,000
0.05%
0%
0%
Deposit Accounts - Credit Interest Rates (p.a)
Type of Account
Balances
EUR
GBP
USD
Direct Salary Account
Up to 25,000
Over 25,000
0.25%
0%
n/a
n/a
n/a
n/a
Current Account
Salary Account
Any Balance
0%
n/a
n/a
Students Online
Savings Account
Up to 25,000
Over 25,000
0.25%
0%
n/a
n/a
n/a
n/a
Students Current Account
Any Balance
0%
n/a
n/a
Savings Schemes
Type of Account
Balances
Balances (€)
Rates (p.a.)
Monthly Savings
Full period
Any Balance
0.50%
New Generations Account
Full period
Up to 25,000
Over 25,000
1.75%
0%
*The Hi-Saver Account is a 15-month term deposit split in two terms as described in the above table.
Standard Term Deposits
Term
Rates (p.a) Minimum balance €500 - €1,000,000
3 months
0.10%
6 months
2.30%
1 year
2.30%
2 years
2.00%
3 years
2.00%
4 years
2.00%
5 years
2.00%
7 years
1.75%
Term
Rates (p.a) Minimum balance £500 - £1,000,000
1 months
0.01%
3 months
2.00%
6 months
2.50%
1 year
3.75%
2 years
3.00%
3 years
3.00%
Term
Rates (p.a) Minimum balance $500 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.30%
2 years
181st day
366th day
Maturity
0.50%
1.00%
2.00%
3 years
366th day
731st day
Maturity
0.75%
1.25%
2.00%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
2.30%
360
2.30%
730
2.00%
1095
2.00%
Foreign Exchange Rates
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
Last Updated
UK
GBP
0.8828
0.8204
0.8593
0.8322
11/5/25
USA
USD
1.1741
1.0912
1.1429
1.1069
11/5/25
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
08/05/2025
2.171
4.29
4.21
3 Mth
08/05/2025
2.138
6 Mth
08/05/2025
2.134
12 Mth
08/05/2025
2.036
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
European Economic Area (EEA) Currencies
Total FX % Charge - Mastercard Debit
Total FX % Charge - Mastercard Credit
Bulgarian Lev (BGN)
1.75%
1.75%
Czech Koruna (CZK)
2.18%
2.18%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
3.28%
3.28%
Icelandic Króna (ISK)
2.14%
2.14%
Swiss Franc (CHF)
2.08%
2.08%
Swedish Krona (SEK)
1.86%
1.86%
Norwegian Krone (NOK)
1.98%
1.98%
Polish Zlotych (PLN)
2.38%
2.38%
Romanian Lei (RON)
2.95%
2.95%
Pound Sterling (GBP)
2.21%
2.21%
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
Top Equity Indices
Country
Indices
Date
% Var
Last Reference
European Indices
Malta
MSE
03/07/2023
0.13
3,754.34
Portugal
PSI20
03/07/2023
1.15
5,988.18
Spain
IBEX35
03/07/2023
0.54
9,644.80
France
CAC 40
03/07/2023
-0.18
7,386.70
Germany
DAX
03/07/2023
-0.41
16,081.04
UK
FTSE 100
03/07/2023
-0.06
7,527.26
PanEuropean
Euro Stoxx50
03/07/2023
-0.02
4,398.15
USA
USA
DAX
DAX
DAX
34,418.47
USA
NASDAQ Comp
03/07/2023
0.21
13,816.77
USA
S&P 500
03/07/2023
0.12
4,455.59
Asia
Japan
Nikkei 225
03/07/2023
-0.98
33,422.52
HongKong
HangSeng
03/07/2023
0.14
19,328.46
Commodity Market
Date
% Var
Last Reference
ICE Brent Crude
03/07/2023
0.59
75.09
Gold (spot)
03/07/2023
0.27
1,926.48
Silver (spot)
Portugal
0.26
22.98
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