BNF Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BNF Bank suits everyday spenders in Malta who want a bank account with nothing to pay and cash access close at hand. The current account has a monthly fee of €0, a variable rate of 0% and EU DGS up to EUR 100,000 for the money held in it.
Key facts
- Best for
- A Malta easy access current account with a €0 monthly fee, a Mastercard debit card and cash access in person.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Legal entity
- BNF Bank p.l.c.↗
- Headquarters
- Malta↗
- Support channels
- Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- bnf.bank
Pros and cons
Pros
- Monthly fee of €0 and a minimum deposit of €0, so opening and running the account is free.
- Balances sit under EU DGS up to EUR 100,000.
- Cash in or out at ATMs, the Express Deposit Machine or any BNF Bank branch, with a Mastercard debit card, eBNF internet banking and a mobile app.
- An easy access account, the kind 76.7% of the accounts in this comparison also use.
Cons
- Interest is 0% on the balance, so the account pays nothing for holding money there.
- Help is limited to phone, chat and help centre.
- A MT home market makes this a local choice rather than an account for people who bank across borders.
Who it suits
- Malta residents who want an everyday account with a €0 monthly fee and cash access in person.
- People who want a Mastercard debit card with eBNF internet banking and a mobile app alongside branch and machine access.
- Customers who prefer help by phone, chat and help centre rather than sitting in a branch for most questions.
Who should look elsewhere
- Savers chasing a return, since the balance pays 0%.
- Customers who need support outside phone, chat and help centre.
Rates and card terms
The current account pays a headline rate of 0% on the balance, and the rate type is variable. With the rate sitting at that level and moving with the bank's own pricing, this account works as a place to keep and spend money rather than a place to grow it. Read the headline figure next to the rate type before weighing it against a savings account.
The company behind it
BNF Bank p.l.c. is the legal entity behind the account, and it is headquartered in Malta. Support runs on phone, chat and help centre, covering phone and live chat for direct help, plus a help centre for written questions. A single home market means this is a locally rooted bank rather than a multinational with branches across several countries.
How BNF Bank compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where BNF Bank is available
- Available
- Malta
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the account cost each month?+
The monthly fee is €0 and the model is listed as a no monthly fee account, which is the most common shape in this comparison. The lowest and highest monthly fees across the everyday accounts in this ranking are €0 and €348.65, so this account sits at the no cost end.
Does the account pay any interest?+
The headline rate on the account is 0% and the rate type is variable, so the published terms pay nothing on the balance. Across the accounts compared here, headline rate figures sit around 3%, and most are 79%, so a return here would be well short of a typical savings product.
Is the money protected if the bank fails?+
Deposits are covered by EU DGS up to EUR 100,000, and that limit is the ceiling the scheme pays out to, so compare it with the balance you plan to keep. The cover applies to deposits held with the bank rather than to investments, and this is a Malta operation, with the home market in Malta.
How do I get money in and out?+
Money goes in and out at ATMs, the Express Deposit Machine or any BNF Bank branch, and the account is an easy access one, listed as easy access. A Mastercard debit card handles everyday payments, while eBNF internet banking and the mobile app handle transfers and balances between visits to a branch.
How do I get help?+
Support runs on phone, chat and help centre: phone for anything urgent about a payment, live chat for quick questions, and a help centre for written guidance. For comparison, 79.7% of the everyday accounts in this ranking also offer phone support, so calling is a normal route rather than an exception.
Who is this account aimed at?+
It suits people in Malta who want everyday banking with cash access and nothing to pay, since the fee is €0 and the home market is MT. It suits anyone who prefers reaching help by phone, chat and help centre. It suits less well for savers, because the headline rate is 0%.
How much do I need to open the account?+
The minimum deposit is €0 and the monthly fee is €0, so there is nothing to fund before using the card or the app. For context, minimum deposits among the everyday accounts in this ranking run from €0 to €8,769.62, so plenty of alternatives also open without an opening balance.
Sources
- bnf.bank/about checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity
“BNF Bank p.l.c. is registered in Malta (no. C 41030) with its registered office: 203 Level 2, Rue D'Argens, Gzira GZR 1368, Malta.”
- bnf.bank/personal/current-account checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Monthly fee, Rate type, Support channels
“Deposits & Withdrawals - Easily made at an ATM, Express Deposit Machine, or any BNF Bank branch”
- bnf.bank/support/articles/interest-rates checked September 26, 2026
Backs: Headline rate
“Deposit Accounts - Credit Interest Rates (p.a) - Current Account - Any Balance 0%”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee, Currencies.
Other rankings
BNF Bank
A Malta easy access current account with a €0 monthly fee, a Mastercard debit card and cash access in person.