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Privacy Policy

BNF Bank plc (“BNF”) takes the confidentiality of your personal data very seriously.  BNF has taken every care in selecting the security systems and technologies used.  It will always endeavour to ensure the confidentiality of all information you provide us.  In order to achieve this, and to make you feel confident with our privacy and security, we follow the principles of good practice when dealing with your information.  Please read these carefully:


  1. BNF will only collect information that it believes to be relevant and needed to understand your financial requirements and to conduct our business.
  2. BNF will use your information to provide you with a better customer service and products.
  3. BNF may pass on your information to other agents or companies in the same group of companies of which BNF forms part, as permitted by law.
  4. BNF will not disclose your information to any external organisation or person unless it has your written consent or have previously informed you or are required by law.
  5. BNF may be required, from time to time, to disclose your information to Governmental or judicial bodies or agencies or our regulators, but it will only do so under proper authority.
  6. BNF aims to keep your information up-to-date. Should it become clear that we do not have your most up-to-date information please help us take prompt and efficient corrective action. You can do this by either visiting your branch manager or writing to Customer Care with any changes to your personal information. Please write to us if you want to know exactly what personal information we hold on you.
  7. BNF maintains strong security systems designed to prevent unauthorised access to your information by anyone, including staff.
  8. All Group companies, all staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations. According to law, all our staff are personally responsible for maintaining customer confidentiality.
  9. Personal data in relation to transactions effected via SWIFT (Society for Worldwide Interbank Financial Telecommunication) may be required to be disclosed to the United States authorities in order to comply with legal requirements applicable in the United States for the prevention of crime.
  10. As the Internet is an inherently insecure medium of communication, BNF does not send any customer information via electronic mail even if you (our customer) requests it, unless the appropriate security measures are in place. We will not send you unsolicited email messages or junk mail.
  11. BNF may record telephone conversations to offer you additional security or resolve possible complaints.

Security Systems and Concepts

Cookies are pieces of information that a website transfers to your computer's hard disc for record keeping purposes.  Cookies can make the web more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features for their users. They contain no name or address information or any information that will enable anyone to contact you via telephone, e-mail or any other means. Most browsers are initially set to accept cookies. If you prefer, you can set your browser to disable cookies or inform you when they are set.

Information on how to disable cookies can be obtained by referring to either your Operating Systems Manual or your Browser Guide, or by contacting your Internet Service Provider. However, given that BNF may sometimes use cookies, you may not be able to take full advantage of our website if you do disable them.

Our Internet Banking service uses session cookies to establish and maintain your banking session with us. With cookies enabled, you shouldn't notice any difference to the service. Internet Banking requires your web browser to accept a session cookie before you can log on or register for the service. Session cookies only exist until you close down your web browser, as opposed to permanent cookies which your browser stores until they expire. If your browser is set to disable cookies, you won't be able to access Internet Banking.

BNF web pages may contain electronic images, known as web beacons or spotlight tags. These enable BNF to count users who have visited certain pages on our website. Web beacons and spotlight tags are not used by us to access your personal information, they are simply a tool we use to analyse which web pages customers view, in an aggregated manner.


All data exchanged in the Internet Banking environment is processed in a secure session (SSL – Secure Socket Layer) and encrypted using 128 bit technology, Verisign certified), protecting you against any attempted access by third parties. This technology does not require you to possess any additional software.

VeriSign Secured


This is a process whereby the information sent by you or Internet Banking is transformed, so that it cannot be read or deciphered by anyone, except the intended recipient. The data is encrypted through the use of private keys/public keys method.

SSL (Secure Socket Layer)

Standard protocol ensuring security and privacy in internet communications. The protocol supports client and server authentication.  The SSL negotiates the opening of a secure session and the exchange of public keys before the exchange of data between the parties involved.

Approved browsers

Access to Internet Banking is limited to browsers that meet the minimum security standards and support data encryption at 128 bits. Internet Banking must therefore be accessed through Microsoft Internet Explorer 4.0 or higher or Netscape 4.0 or higher.

Contract number and individual secret code

In order to authenticate access to Internet Banking you will need to enter a contract number (username) and a password using the randomised virtual keyboard. This will identify the client. The contract number and the password are encrypted when sent over the internet. The access keys are assigned on registration.

Two-tier secret code

The 1st level code (or password) is for consulting account details and validating transfers of up to €500, and the 2nd level code is for validating larger transfers and operations.  This will require the randomised 4 digit entry of the confirmation key.

Automatic suspension of access

If the customer enters the Internet Banking access codes incorrectly on consecutive occasions, access will be suspended.

Automatic cancellation of access

If the customer fails to log out of Internet Banking after using the service, BNF has developed an automatic cancellation device, which takes effect after a given period of time.

Note also that customers must also accept an important part of the responsibility for the security of the service, keeping their access codes and contract numbers secret and logging out of Internet Banking (through the "Logout" option) whenever they end a session, or need to move away from the computer where they have opened the Internet Banking session.

By maintaining our commitment to these principles, we at BNF will ensure that we respect the inherent trust that you place in us.

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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.