BNF Cards Transaction Notification SMS Service


The BNF Cards Transaction Notification SMS service gives you the essential rights and transparency on card-based transactions, by receiving prompt ATM withdrawals and EPOS (electronic point of sale) purchase alerts.


The SMS transaction service is free of charge and applicable to all card transactions, whether approved or declined. This means you will receive different SMS notifications, also depending on whether the transaction originated from an EEA country or outside the EEA, and also whether it is affected via EPOS or ATM.


The SMS notification for cross-border card payment transactions in the eleven European (Non-Eurozone) currencies will include additional information as outlined below:

  • Converted Amount in EUR (EUR equivalent amount);
  • Original Currency (for the 11 EEA Currencies outside the eurozone);
  • Conversion Rate (the rate at which Visa converted the amount to euro);
  • Indicative % Mark-up (an estimated % fee mark-up of the FX conversion).

A valid mobile number is required in order to take advantage of the free SMS alert.

Customers can opt out of receiving Card SMS Transaction Notifications, by contacting BNF Customer Care Helpdesk on +356 22601000 or by using the Opt Out of Notifications option which will feature under the BNF Internet Banking Secure Message Service Menu.

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 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.

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
2.50%
1 year
3.00%
2 years
2.60%
3 years
2.60%
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
3.50%
2 years
3.00%
3 years
3.00%
Term
Rates (p.a) Minimum balance $500 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
3.00%
2 years
181st day
366th day
Maturity
1.00%
2.00%
2.60%
3 years
366th day
731st day
Maturity
1.50%
2.00%
2.60%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
3.00%
730
2.60%
1095
2.60%
Foreign Exchange Rates
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
Last Updated
UK
GBP
0.8700
0.8085
0.8469
0.8202
21/11/24
USA
USD
1.1006
1.0229
1.0714
1.0376
21/11/24
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
19/11/2024
3.166
4.57
4.7
3 Mth
19/11/2024
3.013
6 Mth
19/11/2024
2.743
12 Mth
19/11/2024
2.448
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)
1.87%
1.87%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
3.24%
3.24%
Icelandic Króna (ISK)
1.88%
1.88%
Swiss Franc (CHF)
2.15%
2.15%
Swedish Krona (SEK)
2.16%
2.16%
Norwegian Krone (NOK)
2.04%
2.04%
Polish Zlotych (PLN)
2.05%
2.05%
Romanian Lei (RON)
2.85%
2.85%
Pound Sterling (GBP)
2.30%
2.30%
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