3D Secure Service

Safe online shopping!

Online Shopping has got safer with the 3D Secure Service adopted on all our Debit and Credit Cards. To successfully complete online purchases, cardholders are kindly requested to log into the BNF Internet Banking or BNF Mobile App to enrol their card.

The adoption of 3D Secure on all BNF Cards is in line with our commitment to offer payment methods that conform to the highest levels of security and ease of use.

The payment-authentication tool which has been internationally developed to improve online payment security via dual authentication, aims to reduce fraud, deliver a seamless flow across different devices and frictionless customer online shopping experience.




The service is completely free of charge, easy to use and available on all our cards:

  • BNF VISA Debit Card
  • BNF VISA Classic Credit Card
  • BNF VISA Gold Credit Card
  • BNF VISA PAVI PAMA Credit Card

Enrolment of Card/s

BNF Bank customers will be required to enrol their BNF Card/s for 3DS2 via BNF Internet Banking.

STEP 1: Log into BNF Internet Banking.


STEP 2: Click on the Cards menu.

STEP 3: Select Enrol Card/s.

STEP 4: Select the Card/s details from the dropdown menu.

STEP 5: Input your mobile number with the country code prefix and a 'New Password'. The 3D Secure Static password must be between 6-9 characters long.  The password can be case sensitive with a combination of letters and numbers but must not contain special characters. You need to memorise this static password to use for any online purchases. 

If you need assistance to enrol your card/s, simply send a secure message via Internet Banking the BNF Mobile App or through BECS, our E-Customer Support Agent. Alternatively, you may wish to contact our Customer Care team on (+356) 2260 1000.

When you report your card as lost or stolen, BNF Bank will issue a new card which must then be re-enrolled for the 3D Secure Service.

Complete your online purchase

Following successful enrolment of your card/s to 3D Secure, you can successfully complete your online purchase at a participating merchant (seller's website) by typing in the password which you created during enrolment stage and entering the One-Time Password (OTP) which you'll receive via SMS.

Step 1

Step 2

When transacting online, please ensure that you enter the required security details correctly.  Inserting any of the security elements incorrectly, will result in a declined transaction by the merchant. 

Customers are advised to follow the steps below:

  • Upon prompting, type in your personalised password (not more than 9 characters long) which will be automatically saved for future online transactions.
  • Enter the One-Time Password (OTP), which you'll receive via SMS on the mobile number provided during the registration process.
  • Once the relevant security checks have been successfully confirmed, the transaction will be authenticated within seconds and your purchase will be complete

For additional queries, please call our Customer Care team on (+356) 2260 1000 or alternatively send us a secure Internet Banking message. 

3D Secure 

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The business of banking in terms of the Banking Act 1994.