On 15th February 2016, the Central Bank of Malta issued Directive No. 14 relating to the establishment of a new Central Credit Register which will be maintained and operated by the Central Bank.

This Register will record details of all credit facilities granted by banks in Malta where any credit exposure at individual facility level exceeds €5,000 as at the end of each month. The primary objective of the Register is to facilitate the development of a sounder credit market, which should ultimately lead to an enhanced financial stability environment.

In terms of this Directive, all banks in Malta are legally obliged to provide to the Central Bank all the necessary information on a monthly basis. Starting from April 2016, all your credit facilities in excess of €5,000 will be made available to the Central Bank for inclusion in the Central Credit Register.

The credit facilities reportable for the purposes of this Register include loans, overdrafts, payment commitments, credit cards and other credit lines which are deemed to represent a credit exposure.

Access to the Register, which will be operated through a fully auditable system, will be strictly limited to banks in Malta, whilst customers themselves, or their lawful representatives, may also request to exercise the right to have an extract of the information held on them on the Register.

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%
1.75%
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
0.15%
1 year
2.75%
2 years
3.00%
3 years
2.90%
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
3.50%
2 years
3.00%
3 years
3.00%
Term
Rates (p.a) Minimum balance $500 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.75%
2 years
181st day
366th day
Maturity
1.00%
2.00%
3.00%
3 years
366th day
731st day
Maturity
1.90%
2.40%
2.90%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
2.75%
730
3.00%
1095
2.9%
Foreign Exchange Rates - 22/05/2024
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
UK
GBP
0.8893
0.8264
0.8656
0.8384
USA
USD
1.1335
1.0534
1.1034
1.0686
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
20/05/2024
-
5.310
5.200
3 Mth
20/05/2024
3.822
-
-
6 Mth
20/05/2024
3.787
-
-
12 Mth
20/05/2024
3.673
-
-
Indicative % mark-ups for using your BNF Card in the EEA (Non-Eurozone)
European Economic Area (EEA) Currencies
Total FX % Charge - VISA Debit
Total FX % Charge - VISA Credit
Bulgarian Lev (BGN)
1.75%
1.75%
Czech Koruna (CZK)
2.04%
2.04%
Danish Krone (DKK)
1.75%
1.75%
Hungarian Forint (HUF)
2.24%
2.24%
Icelandic Króna (ISK)
2.10%
2.10%
Swiss Franc (CHF)
1.86%
1.86%
Swedish Krona (SEK)
2.12%
2.12%
Norwegian Krone (NOK)
2.32%
2.32%
Polish Zlotych (PLN)
1.96%
1.96%
Romanian Lei (RON)
2.17%
2.17%
Pound Sterling (GBP)
2.10%
2.10%
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