Interest Rates

Interest Rates displayed below are gross rates and per annum. They are indicative only and may be revised without notice.

BNF Bank Base Rates
Base Rate Rates (p.a.)
Bank Base Rate 2.50%
Home Loan Base Rate 2.20%
Deposit Accounts
Type of account Balances Credit Interest Rates (p.a.)
EUR GBP USD
Savings Account Up to 50,000 0% 0% 0%
Over 50,000 0.125% 0% 0%
Current Account Any balance 0% 0% 0%
Direct Salary Account Up to 25,000 0.25% n/a n/a
Over 25,000 0% n/a n/a
Students Current Account Any balance 0% n/a n/a
Students Online Savings Account Up to 2,500 0.25% n/a n/a
Over 2,500 0% n/a n/a
Basic Payment Account Any balance 0% n/a n/a
Saving Schemes
Type of account Period Balances (€) Rates (p.a.)
Hi-Saver Account* 1st to 12th month Any balance 0.75%
13th to 15th month 1.75%
Monthly Savings Scheme Full period Any balance 0.50%
New Generations Account Full period Up to 25,000 1.75%
Over 25,000 0%

* The Hi-Saver Account is a 15-month term deposit split in two terms as described in the above table.

Standard Term Deposits
EUR Rates (p.a.) - Tier 1 Rates (p.a.) - Tier 2 Rates (p.a.) - Tier 3
Term €500 - €25,000 €25,001 - €200,000 €200,001 +
1 month 0% 0% 0%
3 months 0.1% 0.1% 0.125%
6 months 0.125% 0.1875% 0.25%
1 year 0.5% 0.75% 1%
2 years 0.875% 1% 1.125%
3 years 1.25% 1.375% 1.5%
4 years 1.5% 1.625% 1.75%
5 years 1.875% 2% 2.125%
GBP Rates (p.a.) - Tier 1 Rates (p.a.) - Tier 2 Rates (p.a.) - Tier 3
Term €500 - €20,000 €20,001 - €150,000 €150,001 +
1 month 0.3% 0.4% 0.5%
3 months 0.5% 0.6% 0.7%
6 months 0.55% 0.65% 0.75%
1 year 0.8% 0.9% 1%
2 years 0.8% 0.9% 1%
3 years 0.8% 0.9% 1%
USD Rates (p.a.) - Tier 1 Rates (p.a.) - Tier 2 Rates (p.a.) - Tier 3
Term €500 - €50,000 €50,001 - €300,000 €300,001 +
1 month 1.9% 2% 2.1%
3 months 2.05% 2.15% 2.25%
6 months 2.1% 2.2% 2.3%
1 year 2.15% 2.25% 2.35%
2 years 2.1% 2.2% 2.3%
3 years 2.05% 2.15% 2.25%
Flexi Term Deposits
Term Withdrawal Dates Rates (p.a.)
1 year 91st day 0%
181st day 0.25%
271st day 0.75%
Maturity 1.25%
3 years 366th day 0.90%
731st day 1.25%
Maturity 1.75%
Internet Banking Term Deposits
Term (days) Rates (p.a.)
€500 - €250,000
45 0.125%
90 0.225%
180 0.35%
360 1.15%
730 1.25%
1095 1.625%

Malta Stock Exchange
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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.