ATM Upgrade Schedule

What You Need to Know

Straightforward online banking so you can access your finances and tick off your to-dos whenever and wherever you want.

View Your Balances and Transactions

Have one consolidated view of all your BNF banking, with up-to-date balances for linked BNF accounts, including savings and current accounts, term deposits, personal loans and home loans.

View Your Personal Loans and Home Loans

Including your history and repayment schedule.

View Your Credit Facilities

View current balances, transactions and repayment schedules for all your credit products and set up appointments to request any new loans or credit extensions.

Transfer Your Money

To your own BNF accounts, to third party BNF accounts, to other accounts held with another Maltese financial institution, or to overseas accounts. Schedule transfers for a future date or save your frequent beneficiaries for easy access.

Pay Your Bills

Such as your water and electricity, utilities, TAX, VAT and more.

Manage Your Debit Cards    

View accounts and transactions, make payments, activate new cards and reissue cards, personalize card PIN, dispute card transactions online.

Manage Your Credit Cards    

View accounts and transactions, make payments, activate new cards and reissue cards. Request to change credit limits and repayment percentages. Apply for benefits as part of the Priority Pass Lounge Access.

Manage Term Deposits

Open term deposits in local and foreign currency  . Send messages to change existing maturity instructions of term deposit accounts.

More Facilities

  • Order foreign currency cash online.
  • Order a cheque book for BNF accounts.
  • Stop a cheque.
  • Check foreign exchange rates.
  • Download copies of your BNF account statements.

Print and Export Your Financial Records

Export to Microsoft Excel details of transactions to and from your BNF current or savings accounts.


Helpful Links

On-the-go banking built for you. Fast, simple and secure.

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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.30%
2 years
181st day
366th day
Maturity
0.50%
1.00%
2.00%
3 years
366th day
731st day
Maturity
0.75%
1.25%
2.00%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
2.30%
360
2.30%
730
2.00%
1095
2.00%
Foreign Exchange Rates
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
Last Updated
UK
GBP
0.8727
0.8110
0.8495
0.8227
3/4/25
USA
USD
1.1422
1.0615
1.1118
1.0768
3/4/25
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
01/04/2025
2.42
4.39
4.4555
3 Mth
01/04/2025
2.324
6 Mth
01/04/2025
2.309
12 Mth
01/04/2025
2.277
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
European Economic Area (EEA) Currencies
Total FX % Charge - VISA Debit
Total FX % Charge - VISA Credit
Bulgarian Lev (BGN)
1.75%
1.75%
Czech Koruna (CZK)
1.83%
1.83%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
3.57%
3.57%
Icelandic Króna (ISK)
2.62%
2.62%
Swiss Franc (CHF)
2.71%
2.71%
Swedish Krona (SEK)
2.33%
2.33%
Norwegian Krone (NOK)
2.39%
2.39%
Polish Zlotych (PLN)
2.28%
2.28%
Romanian Lei (RON)
3.31%
3.31%
Pound Sterling (GBP)
2.52%
2.52%
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