Business Banking Terms and Conditions

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.

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

Over 50,000

0.05%

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%

n/a

Current Account

Salary Account

Any Balance

n/a

Students Online

Savings Account

Up to 25,000

Over 25,000

0.25%

n/a

Students Current Account

Any Balance

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%

*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

2.60%

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

3.50%

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

1.25%

1.50%

2.60%

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

0.05%

0.15%

180

0.20%

360

2.60%

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

GBP

0.8636

0.8026

0.8406

0.8142

18/12/24

USA

USD

1.0971

1.0196

1.0679

1.0343

18/12/24

Interest Reference Rates

Term to Maturity

Date

EURIBOR

SOFR ($)

SONIA (£)

12 Mth

16/12/2024

2.443

6 Mth

16/12/2024

2.655

3 Mth

16/12/2024

2.863

Overnight

16/12/2024

3.165

4.65

4.7

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%

Czech Koruna (CZK)

1.98%

Danish Krone (DKK)

1.79%

Hungarian Forint (HUF)

2.41%

Icelandic Króna (ISK)

2.11%

Swiss Franc (CHF)

2.11%

Swedish Krona (SEK)

2.74%

Norwegian Krone (NOK)

2.18%

2.18

Polish Zlotych (PLN)

2.17%

Romanian Lei (RON)

2.34%

Pound Sterling (GBP)

2.42%

2.42

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

FTSE 100

03/07/2023

-0.06

7,527.26

PanEuropean

Euro Stoxx50

03/07/2023

-0.02

4,398.15

USA

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