ATM Upgrade Schedule
Cut-off Times
The table below indicates the Cut-off Times for Inward and Outward Payments. Any applicable Cut-off Times not listed hereunder will be provided on request or when the service is provided. For any queries, kindly contact our Customer Care team.
Type of Transfers
Inwards Payments (Monday to Friday**)
- SEPA Transfers
Instructions received by 18:30
- Non-SEPA Transfers
Instructions received by 14:30
Outwards Payments (Monday to Friday**)
- SEPA Transfers
Instructions received by 18:30
- Non-SEPA SPOT Transfers
Instructions received by 14:30
- Non-SEPA urgent same-day-value Transfers (for EUR,GBP and USD)
Instructions received by 14:00
*both bulk & single payments
** excluding 'Bank Holidays'
BNF ATMs
We would like to advise customers that cheque deposits are not accepted in our ATMs between 12.15 p.m. and 13:00 p.m. from Monday to Saturday due to clearing process of cheques. Our Express Deposit Machines, located in our Fgura, San Ġwann, Attard and Qormi branches are available 24/7 for customers' convenience without any time restrictions.
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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.30%
2 years
181st day
366th day
Maturity
0.50%
1.00%
2.00%
3 years
366th day
731st day
Maturity
0.75%
1.25%
2.00%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
2.30%
360
2.30%
730
2.00%
1095
2.00%
Foreign Exchange Rates
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
Last Updated
UK
GBP
0.8993
0.8358
0.8754
0.8478
11/7/25
USA
USD
1.2186
1.1325
1.1862
1.1489
11/7/25
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
09/07/2025
1.919
4.32
4.2169
3 Mth
09/07/2025
1.969
6 Mth
09/07/2025
2.051
12 Mth
09/07/2025
2.083
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)
2.02%
2.02%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
2.40%
2.40%
Icelandic Króna (ISK)
2.11%
2.11%
Swiss Franc (CHF)
1.98%
1.98%
Swedish Krona (SEK)
1.96%
1.96%
Norwegian Krone (NOK)
1.94%
1.94%
Polish Zlotych (PLN)
1.78%
1.78%
Romanian Lei (RON)
2.24%
2.24%
Pound Sterling (GBP)
2.09%
2.09%
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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