ATM Upgrade Schedule

I have received my new Mastercard and PIN, what do I do?

Getting Started

Your first transaction must be via any ATM or Chip & PIN at any point-of-sale. This is a security feature to ensure that the card is in your rightful possession. After your first transaction, all BNF cards may be used at any point-of-sale terminals which display the contactless symbol.

If you are using your card at any point-of-sale, tap your card against the contactless reader.

  • Wait until the point-of-sale emits an alert (sound or light) to indicate a successful transaction.
  • If your transaction is over €50 you will be asked to enter your PIN, if over €150, you will be asked to enter CHIP & PIN.

Added Security

Your BNF Debit or Credit Card is 3D Secure. To enrol your new or re-issued card you need to log on to eBNF Internet Banking or Mobile App, click on Card Management, Select Card and click on Enrol Card. Automatic enrolment applies only to renewed cards. Visit www.bnf.bank/3dsecure2 for more information.

If your card is lost or stolen or if your PIN has been compromised in any way, report it immediately by:

  • Clicking on Card Management and then clicking Replace Card /Lock Card from eBNF Internet Banking or Mobile App.
  • Non-Internet Banking users – call us on +356 2260 1000.

Find out more about the features and benefits of your BNF Business Debit and Credit Card, by visiting www.bnf.bank/personal/which-card-is-right-for-me

Thank you for choosing BNF Bank as your financial partner.

We look forward to continue being of service to you.

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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.30%
2 years
181st day
366th day
Maturity
0.50%
1.00%
2.00%
3 years
366th day
731st day
Maturity
0.75%
1.25%
2.00%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
2.30%
360
2.30%
730
2.00%
1095
2.00%
Foreign Exchange Rates
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
Last Updated
UK
GBP
0.8947
0.8315
0.8709
0.8435
18/4/25
USA
USD
1.1876
1.1037
1.1561
1.1196
18/4/25
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
16/04/2025
2.418
4.31
4.4585
3 Mth
17/04/2025
2.183
6 Mth
17/04/2025
2.154
12 Mth
17/04/2025
2.104
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)
1.86%
1.86%
Danish Krone (DKK)
1.77%
1.77%
Hungarian Forint (HUF)
3.02%
3.02%
Icelandic Króna (ISK)
2.69%
2.69%
Swiss Franc (CHF)
2.13%
2.13%
Swedish Krona (SEK)
2.30%
2.30%
Norwegian Krone (NOK)
2.52%
2.52%
Polish Zlotych (PLN)
2.18%
2.18%
Romanian Lei (RON)
3.02%
3.02%
Pound Sterling (GBP)
2.63%
2.63%
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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