What is ATM Fraud?
- Know Your Environment
When using an ATM, look out for anything suspicious in your surroundings. Make sure there is good lighting and nobody is hovering around you. Don’t accept assistance from anyone appearing to offer you a helping hand. Never let your children use an ATM on your behalf.
- Shoulder Surfing
This is when someone stands behind you and watches you enter your PIN.
- Card Swapping
This is when a fraudster manages to swap your card with one so similar that you can't tell the difference.
- Card Trapping
This is when a trapping device is inserted into an ATM card slot, stopping your card from being returned to you. While you try to get your card back, an accomplice, pretending to be a random person walking by, offers to help. He or she will ask you to put in your PIN again, making note of the numbers, and watch you walk away in frustration as your card remains in the machine. They will then remove your card from the machine and make withdrawals from your account using your memorised PIN.
- Be Ready
Have your card out when you get to an ATM and avoid opening your handbag or wallet while standing there. Focus on completing your transaction without distractions.
- Cover Your PIN
Always cover the keypad with one hand when entering your PIN and don’t let anybody see it.
- Check the ATM
If the machine seems tampered with or the card slot is loose or seems more bulky than usual, do not use it. Your card should fit smoothly and easily into the slot, don't force it. If you are struggling to insert your card, use another ATM. Always lookout for strange objects or foreign materials attached to the machine.
- Report Any Issues
If you suspect foul play, or your card has been retained by an ATM, call BNF Bank on (+356) 2260 1000 or (+356) 2260 1500 to block your card immediately.
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
