Micro Business Account

We'll help your business grow.

Your business is built on passion and hard work. As it grows you need the best resources and tools that will help it prosper. You need a bank that matches your ambitions and offers excellent capital opportunities, cash management and financial services. You need a bank that caters for your business' particular needs.

Our Micro Business Account is not a one size fits all, off-the-shelf product. It is a customised solution that is tailor-made to your specific needs and circumstances. Whether you're starting your own business, maintaining operations or looking to expand, our services and expertise will help you achieve your goals.

From a Credit Line with flexible financing options, to crucial tools, such as free BNF Internet Banking, Visa Debit and Credit Cards and trade finance services, amongst others, your dedicated Relationship Manager will always be ready to listen and assist you.

Financial solutions

A successful business needs healthy capital levels. The Micro Business Account offers a Credit Line that is more flexible than a simple loan or overdraft. A secured or unsecured credit line gives you a minimum limit of €5,000 and a maximum of €75,000 (depending on your business turnover) at competitive rates.

You can request to:

  • use it as a loan to help your business grow, with the possibility to request a moratorium on repayment of capital, for the first six months
  • use it as an overdraft to ensure you have adequate liquidity for the daily running of your business
  • use a mixture of loan and overdraft, with flexible repayment options.

In addition, the Bank can help you finance the purchase or refurbishment of your business property.

The Micro Business Account offers a number of trade finance services including letters of credit, discounting bills of exchange and guarantees. Through the close links that BNF Bank has with other correspondent banks, you will also enjoy the support required in trade processes with foreign markets.

Useful features

As a business owner you pride yourself in offering a smooth and professional service to your clients, and you expect the same from your bank. The Micro Business Account offers a variety of tools for a faster, easier and more convenient banking experience, including:

  • a current account with a cheque book featuring your company logo
  • free BNF Internet Banking to manage your funds 24/7
  • a free Visa Debit Card which can be used at any Visa ATM or EPOS anywhere in the world, as well as for online transactions
  • a fee free Visa Classic Credit Card for the first year*, with up to 51 days interest-free credit, which also gives you free purchase protection, free travel insurance (including the possibilities to extend the travel insurance over a period of 365 days as well as to cover for Winter Sports activities both subject to an additional premia) and discounts on health schemes and insurance premia.

Having a Micro Business Account also entitles you to free Personal Accident Insurance**, which safeguards your lifestyle in case of unforeseen circumstances. This helps put your mind at rest.

A new future for your business

The Micro Business Account from BNF Bank offers a banking experience based on high-quality service and a strong relationship built on trust.

You can benefit from a customer-centric service given by a team of professional bankers. Your Relationship Manager will visit you regularly to better understand your business operations and assess your banking requirements.

Come talk to us

Whatever you need, BNF Bank is just a call, tap or click away.

Call us on (+356) 2260 1000 or visit www.bnf.bank.

We're ready to listen.

*Terms and conditions apply.

Loans, Credit Lines and Credit Cards are subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw this product from the market at any time at its sole and absolute discretion. BNF Bank p.l.c. is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994 and is a member of the Depositor Compensation Scheme established under the Depositor Compensation Scheme Regulations (Legal Notice 383 of 2015). Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368. **This product incorporates an insurance cover that protects clients in case of accidental death, temporary or permanent total disablement or redundancy.


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