What You Need to Know

Straightforward online banking so you can access your finances and tick off your to-dos whenever and wherever you want.

View Balances and Transactions

  • Have one consolidated view of all your banking, with up-to-date balances for linked BNF accounts including savings and current accounts, term deposits, personal loans and home loans.

View Your Personal and Home Loans

  • Including your history and repayment schedule. 

View Credit Facilities 

  • View current balances, transactions and repayment schedules for all your credit lines and set up appointments to arrange any loans or credit extensions. 

Pay Bill

  • Like utilities and more. 

Manage Credit Cards 

  • View accounts and transactions, make payments, activate new cards and reissue cards. Request to change credit limits and repayment percentages. Apply for benefits as part of the Gold Card package.

Manage Term Deposits

  • Open term deposits in local currency. Send messages to change existing maturity instructions of term deposit accounts.

Transfer Money 

  • To your own BNF accounts, to third party BNF accounts, to other accounts at any Maltese financial institution, or to overseas accounts. Schedule transfers for a future date, and save your frequent beneficiaries for easy access. 

More Facilities

  • Order foreign cash online.
  • Order a cheque book for accounts linked to BNF Internet Banking where a cheque book has been previously issued (excluding term deposits, home loans and personal loans).
  • Place a ‘stop payment’ on your personal cheques.
  • Check foreign exchange rates. Download copies of your account statements.

Print and Export Financial Records

  • Export transaction details of your deposit accounts to Microsoft Excel.


Helpful Links

On-the-go banking built for you. Fast, simple and secure.

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.)
Hi-Saver Account
1st to 12th month
13th to 15th month
Any Balance
0.75%
1.75%
Monthly Savings
Full period
Any Balance
0.50%
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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.75%
2 years
181st day
366th day
Maturity
1.00%
2.00%
3.00%
3 years
366th day
731st day
Maturity
1.90%
2.40%
2.90%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
2.75%
730
3.00%
1095
2.9%
Foreign Exchange Rates - 25/04/2024
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
UK
GBP
0.8964
0.8331
0.8726
0.8451
USA
USD
1.1187
1.0396
1.0889
1.0547
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
23/04/2024
-
5.310
5.200
3 Mth
23/04/2024
3.882
-
-
6 Mth
23/04/2024
3.844
-
-
12 Mth
23/04/2024
3.718
-
-
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)
1.91%
1.91%
Danish Krone (DKK)
1.79%
1.79%
Hungarian Forint (HUF)
2.35%
2.35%
Icelandic Króna (ISK)
1.96%
1.96%
Swiss Franc (CHF)
1.94%
1.94%
Swedish Krona (SEK)
2.07%
2.07%
Norwegian Krone (NOK)
2.12%
2.12%
Polish Zlotych (PLN)
2.23%
2.23%
Romanian Lei (RON)
2.21%
2.21%
Pound Sterling (GBP)
2.12%
2.12%
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