What are BNF Bank's security recommendations to keep my personal and financial information safe?


  • Accessing Online Banking
    Always access your BNF Internet Banking directly through the website. Never click on a link from an email leading you to a website, or enter personal information in that email or website. 
  • Password and PIN Security
    Always be wary of unsolicited calls or emails asking for personal details and/or your card or account numbers. Keep this information secret at all times, and do not disclose it to people you do not know. Remember, we will never contact you and ask you to disclose your PIN or password. 
  • Don’t Believe Everything You Read 
    Be cautious of convincing emails offering you the chance to make easy money - if it sounds too good to be true, it probably is. Be wary of unsolicited emails - it is much harder to prove legitimacy of the organisations behind the emails.
  • PC Security
    Always use up-to-date anti-virus software and a personal firewall. If your computer uses Microsoft Windows operating system, it is important to keep it updated via the Windows Update feature, equally if you use another PC operating system or have an Apple Mac you should check regularly for updates. Be vigilant when using internet cafes or a computer that is not your own. 
  • Keep Your Identity Private
    It can be as easily stolen offline as it can online. Always comply with instructions about destroying new PIN numbers, password information and expired bank cards. Consider using a crosscut shredder to destroy unneeded bank statements and other documents that may contain sensitive personal information. Store retained documents in a suitable locked and fireproof container.
  • Check Your Statements Regularly
    A quick check will help identify any erroneous or unauthorised transactions that might have been performed on your account without your knowledge.
  • Check Your Banking Session is Secure 
    Always check if your online banking session is secure. Do this by looking for a https:// at the beginning of the URL. Some browsers such as Mozilla Firefox also change the colour of the URL window when you are in a secure session. Additionally, look for a padlock or key in the bottom right-hand corner. If you double-click on this icon it should provide you with information about the organisation with which you have entered into a secure session.
  • Check for Spyware
    Use software to remove Spyware from your computer regularly, as these programs record information about your internet use and transmit it without your permission. In some circumstances, this can compromise your PC security.
  • Always Log Off
    Don’t forget to sign out of your Internet Banking session. Simply closing the window in use may not end the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions could be performed without your knowledge. It is also advisable to disconnect from the internet if you are not planning to use it.
  • SSL Protocol and Passwords
    BNF Bank uses a combination of Secure Socket Layer (SSL) protocol and passwords to protect your information and make your online banking 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
2.55%
2 years
3.40%
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 - $1,000,000
1 months
0.01%
3 months
0.10%
6 months
0.15%
1 year
0.20%
2 years
0.30%
3 years
0.40%
Flexi Term Deposits
Term
Withdrawal Dates
Rates (p.a)
1 year
91st day
181st day
271st day
Maturity
0%
1.25%
1.50%
2.55%
2 years
181st day
366th day
Maturity
1.00%
2.00%
3.15%
3 years
366th day
731st day
Maturity
1.90%
2.40%
2.90%
Internet Banking Term Deposits
Term (days)
Rates (p.a) €500 - €1,000,000
45
0.05%
90
0.15%
180
0.20%
360
2.55%
730
3.40%
1095
2.9%
Foreign Exchange Rates - 21/02/2024
Country
Ccy rate per EUR
Bank Notes Buy
Bank Notes Sell
Others Buy
Others Sell
UK
GBP
0.8933
0.8302
0.8696
0.8422
USA
USD
1.1281
1.0484
1.0981
1.0635
Interest Reference Rates
Term to Maturity
Date
EURIBOR
SOFR ($)
SONIA (£)
Overnight
19/02/2024
-
5.300
5.187
3 Mth
19/02/2024
3.932
-
-
6 Mth
19/02/2024
3.915
-
-
12 Mth
19/02/2024
3.67
-
-
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%
2.24%
Czech Koruna (CZK)
1.97%
2.24%
Danish Krone (DKK)
1.77%
2.24%
Hungarian Forint (HUF)
2.24%
2.24%
Icelandic Króna (ISK)
2.26%
2.24%
Swiss Franc (CHF)
2.03%
2.24%
Swedish Krona (SEK)
2.02%
2.24%
Norwegian Krone (NOK)
2.10%
2.24%
Polish Zlotych (PLN)
2.11%
2.24%
Romanian Lei (RON)
2.18%
2.24%
Pound Sterling (GBP)
2.12%
2.24%
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