COVID-19 BNF Bank Updates

As a result of the COVID-19 outbreak, BNF has taken a number of precautionary measures to safeguard its employees and customers.  Financial support measures have also been initiated in order to assist customers who may be experiencing financial difficulties.   Please visit this page regularly for latest updates.

Personal Customers

Moratorium on Home Loan, Buy-to-Let Loan and/or Personal Loan

With the aim of supporting personal customers whose income has been affected negatively by the Covid-19 crisis, we'll be accepting applications for a moratorium on the BNF Home Loan, Buy-to-Let Loan and/or Personal Loan subject to normal banking considerations. Customers may download the relevant application form from here and send a signed copy through a secure message on the BNF's Internet Banking portal.

Contactless Payments

With BNF's cards all contactless-enabled, customers can avoid contact and pay safely for their everyday essentials.  With just a tap of any BNF card, customers can effect payments up to €50 at any contactless-enabled point of sale terminal.  This translates in a quick, safe and simple checkout. More information about Contactless Payments is easily accessible from here

Withdrawal of Cash

Customers are requested to withdraw cash from Bank ATMs if required amount is less than €700 whilst the BNF branch tellers will service requests from a minimum of €700 upwards. Customers who do not have a BNF Debit Card are encouraged to apply for free, as soon as possible.

Travel Insurance

BNF Classic or Gold card holders are advised that their travel insurance policy remains applicable through the BNF Travel and Purchase Protection Insurance cover. Claims and travel queries related to the COVID-19 are being handled on a case by case basis. For queries in this regard, customers are required to contact Jatco Insurance Brokers PCC Ltd on +356 27791033, +356 99829977 or via

For more information please click here.

Business Customers

Now more than ever, our Business Relationship Managers are committed to providing financial advice and support with contingency preparations which businesses might require, in order to deal with the pandemic. We're mindful of the negative effects that the pandemic is having on businesses and we're offering a moratorium on business loans and working capital assistance to customers facing temporary liquidity issues.

Clients holding a Business Accelerate Loan may reach out to their Relationship Manager to get started with the process of application. In addition, business customers holding a Micro Business Loan can apply for a moratorium on their loan. The Bank will not charge any processing fees for requests related to moratorium.

In collaboration with the Malta Development Bank (MDB), BNF Bank is offering working capital assistance to support SMEs and Large Corporates who are facing challenges to run their day-to-day operations due to the COVID-19 pandemic. Financial support from BNF Bank will help customers keep up with critical running costs and honour payment commitments in the form of employees' salaries, acquisition of stock, rent, energy, water and fuel expenses in addition to various other obligations. The management of such costs can help keep businesses afloat through the current crisis until the situation normalises and improves. Depending on the eligibility criteria discussed with the BNF Relationship Manager, customers can apply for a working capital loan according to thresholds set by the Bank for SMEs and large Corporate Businesses. Fill up the application form accessible from this link and download the declaration form from this link. Please ensure to send all the required documentation via secure message on our Internet Banking.

More information about the BNF MDB COVID-19 Guarantee Scheme may be accessed from here

Branch Services

Opening hours of all BNF Bank branches are as follows:

Monday: 9:00a.m. - 14:00 p.m.

Tuesday: 9:00a.m. - 14:00 p.m.

Wednesday: 9:00a.m. - 12:30 p.m.

Thursday: 9:00a.m. - 14:00 p.m.

Friday: 9:00a.m. - 14:00 p.m.

Saturday: 9:00a.m. - 12:30 p.m.

You can now also set an appointment for an online meeting available after closing hours with your preferred BNF Branch till 19:00. To do so, you may send in your request via an Internet Banking secure message, through our chat bot - BECS or by getting in touch with your relationship officer.   

Branches in Paola, San Ġwann, Naxxar, and Rabat are currently operating without teller/cashier service from Monday to Saturday. 

St Julian's and Siġġiewi branches offer cashier services from Monday to Friday till 12.30 p.m, excluding Saturdays.

Qormi (PAVI Shopping Complex), St Paul's Bay, Attard, Fgura, Mosta and Gozo offer cashier services from Monday to Saturday till 12.30 p.m.


Cheques and Bank Drafts - Important Notice: With reference to the Central Bank of Malta's new Directive No. 19 we would like to advise customers that as of 1st January 2022, cheques and bank drafts are all being considered issued as 'Only'.  This means that only the Payee can now deposit cheques via the Bank's ATM by utilising the Card that is in his/her name.  The cheque should be endorsed by the Payee together with the ID card number written on the back of the cheque. 

Furthermore, please note that in case of customers having a Power of Attorney and are eligible to deposit or encash cheques for the third party, the transaction can still be effected as long as they present the Power of Attorney documentation to the bank officer together with the ID card.

In line with the re-issue of the Central Bank of Malta's Directive No. 17 please note as a business continuity arrangement that the amount of time taken to clear cheques and bank drafts may be subject to 6 days whilst that of cash deposits may be subject to 3 days.

Preventive measures at BNF branches

In line with Health Authority guidelines, customers visiting a BNF branch are kindly requested to comply with the preventive measures set by the Bank in order to help us safeguard the health and safety of our employees and customers.

  • Briefly remove the mask or visor for security and identification purposes as will be indicated by security personnel.
  • Use hand sanitisers before entering the branch.
  • Wear the mask again throughout the visit.
  • Follow queuing and social distancing guidelines.

Customer Flow - We're managing customer flow by restricting the number of people going inside the branch at one time and advising customers to keep a minimum distance of 2m when waiting to be served at any of our branches.

Talk to us without visiting the branch

You can carry out your everyday banking needs, without having to visit a branch. 

  • Use our Internet Banking to view account activity, pay bills, make transfers and use a wide variety of self-service options.
  • Reach out to our Customer Care team for general queries on (+356) 2260 1000 from 8.00 - 20.00 Monday to Friday and from 8.00-13.00 on Saturdays.
  • Make use of our chatbot via the Bank's website or on Facebook Messenger.
  • Use our ATM, available 24/7 within our 12 BNF branches. 
  • Use our Express Deposit Machines for fast, secure and efficient depositing of cash and cheques at our Attard, San Ġwann, Fgura and Qormi (PAVI Shopping Complex) branches.

Caution! Fraud Alert

The Malta Financial Services Authority (MFSA) has notified its licence holders and the general public to possible fraudulent schemes or financial scams which may try to take advantage of COVID-19 outbreak to target entities and individuals with the aim of misappropriating funds and/or obtaining sensitive personal information. Now more than ever, we advise our customers to be vigilant.

  • Do not click on links or attachments in suspicious emails until you have validated the source. You should never trust any electronic message supposedly sent from BNF Bank p.l.c asking for information of a personal and/or confidential nature, such as password, identity card number or card details.
  • Treat any e-mail message asking you to access the BNF Bank p.l.c site via a link, as suspicious. Communication from BNF Bank never contain links or any software for immediate installation.
  • Do not respond to unsolicited calls or messages.
  • Do not provide your personal or financial details.
  • Whenever you access your bank accounts through the BNF Internet Banking portal, check that the URL address begins with https:// and that a padlock is shown in the lower right corner. 

In case of doubt, contact the Bank on or on (+356) 2260 1000.

We're ready to listen.


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