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

9-month 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 period of up to nine months 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.

Withdrawal of Cash

You can withdraw cash from any local Bank ATM 24/7 without incurring any related withdrawal charges. BNF Bank will refund all charges related to cash withdrawal from any other local Bank ATMs, until end April. This support measure is aimed to help our personal banking customers reduce their travel for cash withdrawals.

Customers are requested to use the ATMs for withdrawal amounts up to €500. BNF branch tellers will service cash withdrawal requests from accounts associated with a debit card, for amounts of over €500. Customers who do not have a BNF Debit Card are encouraged to apply for one free as soon as possible.

Tariff of Charges Update

Reference is made to recent communication where BNF informed its customers of updated tariff of charges due to be implemented as from the 15th April 2020. In view of the current emergency, most of the tariff of charges update will be postponed until the 15th July 2020. However, changes related to the reduction in fees which are advantageous for our customers will all be implemented as from the 15th April 2020.

For more information on Personal Tariff of Charges please click here.

For more information on Business Tariff of Charges please click here.

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'll be offering working capital assistance to business 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 nine-month repayment moratorium on their loan.

The Bank will not charge any processing fees for requests related to moratorium and working capital assistance.

Branch Services

BNF Bank will be temporarily closing its branches in Paola, San Gwann, Naxxar and Rabat as from Monday 30th March, until further notice.

Temporary Closure

Closest Branch

San Ġwann Branch 

St Julian's Branch - 125-126 Main Street

Naxxar Branch

Mosta Branch - 12, Constitution Street

Paola Branch

Fgura Branch - 6, Hompesch Road

Rabat Branch

Attard Branch - Ħal-Warda Road

Evening service is also suspended in Gozo, Fgura and Qormi branches until further notice.

Opening hours of our branches in Attard, Mosta, St. Julian's, St. Paul's Bay, Siggiewi, Qormi, Fgura and Gozo are as follows:

Monday to Saturday - 9:00 a.m. - 12.30 p.m.

Cheques and Bank Drafts - With reference to the Central Bank of Malta's Directive on important measures concerning cheques, we would like to advise customers that cheques and bank drafts marked as payable only to the payee can now be deposited in the account of a third party via the Bank's ATMs as long as the cheque is endorsed by both the payee and the 3rd party.

This enables customers with limited mobility or with quarantine restrictions to avoid visiting bank branches and is aimed for people receiving their social security benefits, including pensions, in the form of cheque.

The amount of time taken to clear cheques and bank drafts has been extended temporarily to six days.

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 1m when waiting to be served at any of our 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 plc 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 plc 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.

Talk to us without visiting the branch

We would like to remind you that 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. 

To know more click here.

Reach out to our Customer Care team on +356 2260 1000 from 8.00 -20.00 Monday to Friday and from 8.00-13.00 on Saturdays.

We're ready to listen.

BNF Bank plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta.


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BNF Bank plc is a credit institution licensed by the MFSA to undertake
the business of banking in terms of the Banking Act 1994.