Enhanced Process For Internet Banking Transaction Limits: SEPA, Bill Payments, Internal Transfers

We have made further improvements designed to enhance your personal and business banking experience. From 2 October 2023 you will be able to transact over your profile daily limit for certain operations like SEPA, Bill Payments and Internal Transfers through internet banking.

To enjoy even greater convenience, you can also submit a high value transfer online within a business day through a digital approval process.

Through the new digital verification process, BNF Internet Banking system will accept the transfer over the stipulated limits, but not process it, it will appear as pending for Bank approval. The Bank will screen and approve each operation exceeding the limit digitally without the need for you to visit the branch.  To validate the transaction, you will be contacted via telephone by your Account Manager. You will then be debited once payment is processed by the Bank staff. If you don’t validate the transaction, payment will be rejected.

The new process will keep the same daily limits, the same compliance processes and Anti-Money Laundering requirements to continue to safeguard the Bank and its customers as we do today.

Do not hesitate to reach out to us by sending a secure message through internet banking or chat with us through BECS our e-customer service agent to learn more.

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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.75%
2 years
181st day
366th day
Maturity
1.00%
2.00%
3.00%
3 years
366th day
731st day
Maturity
1.90%
2.40%
2.90%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
2.75%
730
3.00%
1095
2.9%
Foreign Exchange Rates - 21/05/2024
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
UK
GBP
0.8916
0.8286
0.8679
0.8406
USA
USD
1.1339
1.0538
1.1038
1.0690
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
17/05/2024
-
5.310
5.200
3 Mth
17/05/2024
3.83
-
-
6 Mth
17/05/2024
3.791
-
-
12 Mth
17/05/2024
3.645
-
-
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)
1.81%
1.81%
Danish Krone (DKK)
1.76%
1.76%
Hungarian Forint (HUF)
2.60%
2.60%
Icelandic Króna (ISK)
2.12%
2.12%
Swiss Franc (CHF)
1.91%
1.91%
Swedish Krona (SEK)
2.21%
2.21%
Norwegian Krone (NOK)
2.11%
2.11%
Polish Zlotych (PLN)
2.28%
2.28%
Romanian Lei (RON)
2.16%
2.16%
Pound Sterling (GBP)
2.27%
2.27%
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