Hello Bank! By BNP Paribas

A bank is not obliged to justify the reasons for a refusal to open account. It is little recommended to open an account without being transparent to its intentions, since the bank can close it very easily if it takes note of it.

Hello Bank! : account opening, cards, prices and online services

Created in 2013, Hello Bank! is the online bank of BNP Paribas. Despite her young age, she has imposed herself thanks to the variety and attractiveness of her products. Individual banking accounts, joint account, savings booklets, credits, insurance: Hello Bank! has nothing to envy the competition. At the heart of the offer, its mobile application has managed to conquer its users thanks to its ergonomics. In France, Hello Bank! has now become essential.

From 17/08 to 09/10: up to 180 € of advantages offered on Hello One and Hello Prime + 1 €/month for 6 months on Hello Prime
Here is the detail by offer:

• One: € 80 offered for all 1 account opening + € 100 in vouchers (for any banking mobility with Hello Start +)
• Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months

�� I open my hello bank account

• Hello One and Hello Prime
• Visa Classic and Visa Premier for attached accounts
• Credits (consumer credit and mortgage loan)
• Savings (booklets and life insurance)
• Sotck exchange

�� Open a Hello Bank account!

Hello Bank! offers two offers, in the form of Banking packages, For the opening of an individual current account: Hello One and Hello Prime. Each account is associated with a bank card and various services. The Visa Hello One card is accessible without income condition, unlike the Visa Hello Prime card.

The conditions and deadlines for opening a Hello Bank account!

Open a bank account at Hello Bank! Is simple. BNP online banking offers are very accessible, since the main access condition is to be a ” capable adult person, residing in France, acting for non -professional purposes »». However, specific criteria can be added according to the offers and it is obviously important to study them well before launching, according to your needs, prices and subscription conditions.

With Hello Bank!, Two offers are available for individual accounts, The entry -level, Hello One, and the high -end, Hello Prime. Each account has a specific bank card.

• VISA HELLO PRIME CARTE AT SYSTICATIC AUTHORIZATION
• Hello Prime virtual card

• Withdrawals: 1.50 % but free for all BNP Paribas distributors and those of its subsidiaries
• Payments: Free

Opening conditions for a Hello Bank account! individual are therefore very reasonable, even in the case of its high -end offer.

The hello one offer is a general public offer, without income condition, ideal for certain profiles (students, people with low incomes, no one wishing to overdue). Only exclusion: banking prohibitions. It will be necessary to regularize your situation with the Banque de France before opening a Hello Bank account. The small downside to this great accessibility is this: The overdraft is not allowed.

The Hello Prime offer, is the premium offer of hello bank charged € 5 per month and requiring an income of € 1,000 monthly. Unlike Boursorama Ultim, Hello Prime is a paid offer. Unlike Hello One, this formula includes services such as delayed debit and insurance. Opt for the Hello Prime offer is to benefit from the same insurance and assistance guarantees as a first visa card, very useful for travelers, especially. Although the Hello Prime card is in systematic authorization, the authorized overdraft. The amount of cash facility can be negotiated with an advisor according to your needs and your customer profile. Other more: all transactions abroad are free.

For both offers, the vast Opening conditions to a Hello Bank account! are accompanied by the quantity of free services, like the checkbook order, transfers and samples. Finally, for all types of bank accounts, the period of opening to a Hello Bank account! is substantially the same, two to three weeks.

Open a Hello Bank account! : what follow -up ? Hello Bank! offers continuous follow -up and at any time to open your Hello Bank account!. To do this, simply go to the “Help & Services” section of the mobile application, or to the HelloBank site.en and enter your personal information: email address and access code.

Hello bank account for student

The individual current account is at the heart of Hello Bank’s offers!, which are intended to be accessible to the greatest number. Hello One is ideal for young people, and therefore students, since the offer does not impose any income condition for Open your hello bank account. Another advantage: the services are also free. As a student, it is possible to access:

• A classic current account for transfers and samples;
• A HELLO One visa card has systematic authorization;
• Contactless payment;
• A payment ceiling of 1,000 euros over thirty days;
• A withdrawal ceiling of 400 euros over seven days;
• A checkbook.

The only downsides are obviously that The hello one offer does not allow an overdraft authorization, and that assistance and insurance are not included.

Open a Hello Bank account! student So has more advantages than disadvantages: free online offer without income condition, reduced bank charges, very ergonomic mobile application. To access BNP’s online banking, It is always necessary to be a student residing in France. Obviously, for those with regular income, it is also possible to opt for the Hello Prime offer which, for its part, depends on income conditions.

As with any account opening, if you want to subscribe to Hello Bank’s offer! For student, it is necessary to carry out an initial deposit of 10 euros minimum. However, the offer is without a commitment of duration and terminable at any time.

Hello Bank! For auto entrepreneur

Among the many developments that self -employed status has experienced in recent years, there has been one that has been talked about: the obligation to open a bank account only dedicated to its professional activity. For many, this change has been an opportunity to take an interest in online banking offers, which often offer attractive offers. But can we opt for the latter in order to open an account dedicated to its self-employed activity ?

It is important to remember that self -employed people have several options. They can open a professional account (often very expensive), open a self -employed account (some banks offer it, and the price is between that of a professional account and a current account) or, quite simply, open a bank account individual exclusively devoted to professional activity.

A priori, therefore, it would be completely legal ofOpen an account at Hello Bank! as a self -employed. But in fact, this is not entirely true for the BNP online bank – and many of its competitors. Many still refuse to autoentrepreneurs to open an account at home for their activity, which obliges some to redirect themselves to professional, more expensive offers.

Today, most online banks, including Hello Bank!, Refuse autoentrepreneurs. What’s more, It is not possible to have more than one individual bank account at Hello Bank!. On his site, everything is very clearly indicated: ” It is not possible to open a professional account. Hello Bank! does not yet offer a bank account for professionals, associations, SCIs and joint ownership. »»

A bank is not obliged to justify the reasons for a refusal to open account. It is little recommended to open an account without being transparent to its intentions, since the bank can close it very easily if it takes note of it.

Open a joint account at Hello Bank!

Hello Bank! offers, in addition to its offer of individual accounts, A unique offer to open a joint account. This allows those who wish to open a common account for everyday expenses. With the hello bank joint account!, There is the choice between two types of Visa bank cards, which significantly change services and prices:

Hello Bank Hello One
0 € per month

Hello Bank! By BNP Paribas

Hello Bank! Evolves and offerers you a new experience that is even more fluid and intuitive.
Enjoy Simplified Navigation Redesign To Meet Your Needs; Everything is Easily and Quickly Accessible from Your Home Screen.

We offered you some new features of your banking app:

– Find the Management of Your Bank Cards Directly in the Payments Area;
– Get a virtual card with the hello prime offered;
– Personalize your application by switching to dark fashion;
– Open has Professional Account by Subscribing to the Hello Business offered;
– Activate and Personalize the alerts Relating to the Management of Your Account;
– Now Discover the On MacOS Application.

Never changes to winning team ! We have kept your favorite features:

Keep an Eye on All Of Your Accounts!
– Add Your Accounts Held at Other Banks to see the Balances and Banking Transactions of All Your Accients at a glance.

Make Transfers Without Delay!
– Add Beneficiaries Immoredelly from your Mobile with the Digital Key;
– Make Instant Transfers *; your beneficiary will receive the funds in their account within seconds.

Autonomous! Manage your bank card as you wish!
– Manage Payment and withdrawal Limits According to your Needs;
– Online Payment Manage;
– Manage Payments Abroad by Geographic Area;
– Opposes your bank card in a gesture;
– Bonus: Discover the Virtual Card, Available With the Hello Prime Offer and Manage It Independently of the Physical Hello Prime Card: Make Your Purchases Online and With Your Connected Devices As Needed.

Go out light: you no long need your wallet to pay, your smartphone is enough!
– Pay with your smartphone with Apple Pay;
– CREATE PRIZE POOLS FREE OF LOAD WITH LYF PAY;
– Send money to a mobile number with paylib! The Funds Will Flow Instantly to your Contact.

Discover the Hello Bank Products! ::
– Hello one or hello prime? Change your offered Easily;
– Subscribe to the hello prime offered and get a virtual card, make your purchases even before receiving your physical hello prime card;
– Open A Livret A In A Few Steps Directly from your smartphone;
– Protect Your Home by Subscribing to Home or Student Home Insurance from your application.

You are not customer yet ? You panic, you can apply for an account directly on your mobile, it’s fast, simple and secure!
• Download the app;
• Complete and sign Your Form;
• Complete Your Request by Uploading Your Supporting Documents;
• make your first payment to benefit from all the hello bank! Advocacy.

We put bearings at the Service of Professionals:

– Get an birth, card and cashout solutions tailored to your needs with the hello business offered;
– Take Advantage of the Invoicing Tool to Create Quotes and Councils;
– Manage Your Professional Activity With Ease With Your App.

To subcribe, it’s simple, open to professional account in a pha steps from your app.

Hello Bank! : Opinion and analysis of the online offer

Hello Bank! is the online bank of BNP Paribas. If its favorite territory is France, its ambition is European since its offer is accessible in several neighboring countries! Mobile Bank HELLO BANK customers!, Property of BNP Paribas, can be delighted with the development of an application designed to simplify their lives.

September 2023: 180 € offered With free hello one card

180 € offered and 6 months at 1 € on Hello Prime (then 5 €/month)

The Hello Bank banking offer!

Hello Bank! is the online bank of the BNP Paribas group. You could not miss its launch in 2013, it took advantage of a fairly sustained media momentum. The Pure Player is notably noticed with its advertisements in the form of instant messages between a customer and the bank. A community approach adapted to new technology such as blog, forum, chat … Everything is done to convey a young and modern image.

To maintain its growth in the very competitive universe of online banking, Hello Bank! has made a total overhaul of its range of bank cards. From now on, the brand offers a brand new premium offer, with the aim of seducing an audience of travelers looking for an optimal and very qualitative service. Hello Bank’s unique proposal! So has given way to two different offers: Hello One, a basic and free contract, and Hello Prime, made up of a panel of more upscale products and services. So let’s see in more detail what is the operation of an account at Hello Bank!

Hello Bank! Does she offer savings solutions ?

To help you materialize your ambitions, Hello Bank! provides you with several savings solutions. It has, of course, regulated booklets, such as booklet A. Nevertheless, Hello Bank! also offers specific savings booklets to its brand, whose rates are sometimes boosted and higher than those on the market. The whole is supplemented by a range of life insurance offering both supports in euros and units of account.

Is it possible to subscribe to a Hello Bank credit! ?

Hello Bank! offers you different credit solutions. Its financing service is available in three different poles: mortgage, consumer credit and car loan. Thus, Hello Bank! supports you in your most spontaneous steps as in the biggest projects in your life. What’s more, Hello Bank! offers very advantageous solutions, in particular with regard to case costs. Advisers are there to adapt your loan to your situation and the reimbursement remains flexible and modular.

What are the hello bank insurance! ?

Hello Bank! also offers a whole insurance offer. Whether you are looking for automobile insurance, home, or to protect your mobile devices, Hello Bank! promises to satisfy your request. The online bank also invites you to discover its BNP Paribas Security insurance, which strengthens your protection against loss, theft and fraudulent use of your means of payment. Note also that this contract includes other additional guarantees, such as coverage of personal effects or that of keys.

Open a Hello Bank account!

Like all banks, to consent to the opening of a bank account, Hello Bank! requires some minimum eligibility conditions:

• Being a natural person, adult, capable and resident in France;
• Open an account as an individual;
• Have subscribed to the individual’s hello bank individual deposit account agreement! ;
• And not be the subject of bank incidents via other banks or other financial organizations.

In the case of the opening of a joint account, the acceptance conditions are analyzed independently for each account holder.

Students can also open an account at Hello Bank!, provided you make an initial deposit between 10 and 300 €, and provide a student card.

How to open a Hello Bank account! ?

The opening of a Hello Bank account! can be done from a smartphone, a tablet or a computer, in just a few minutes. For this, the following approach should be followed:

• Choose the offer corresponding to your needs (Hello One or Hello Prime);
• Complete the online form;
• Select additional products, such as insurance or savings accounts;
• Validate your online subscription request, signing using a confidential code received by SMS;
• Photograph or scan the requested supporting documents;
• Make a first payment of € 10 per transfer, upon receipt of your RIB Hello Bank!

Once these different steps have been carried out, the Hello Bank account! is generally activated within a few days, upon receipt and acceptance of supporting documents. It was from that moment that Hello Bank! Send the access codes to the HELLO BANK customer area!, by mail, as well as the bank card accompanied by its code, in a separate fold.

Of course, it is possible to follow the evolution of the opening of your account directly from a dedicated space, step by step, using a simple file number. This code is communicated by email, at the time of subscription.

How hello bank’s hello start service works! ?

To simplify your account transfer to Hello Bank!, The online bank invites you to discover the Hello Start service. 100 % free and secure, it helps you better manage your request for a change in banking domiciliation. It consists of domicile your transfers and samples from your new Hello Bank account! in your place. You have absolutely nothing to do: Hello Bank takes care of all the administrative paperwork linked to your banking change.

How much is the opening of a Hello Bank account! ?

At Hello Bank! The opening of a bank account is free. Only the offer chosen is possibly paid:

• Hello One is accessible at 0 € per month. It perfectly satisfies all your daily needs;
• Hello Prime is billed at € 5 per month, but offers more extensive services.

Whatever the option chosen, Hello Bank! do not charge any account holding fees or any costs when you use your bank card. It is also a contract without a commitment of duration.

What are the supporting documents to be provided to Hello Bank! ?

To open a Hello Bank account! The holder must provide the following supporting documents:

• 2 valid identity documents;
• 1 proof of address of less than three months;
• 1 Revenue proof (unless you choose the Hello One option);
• 1 rib from another account in your name;
• Your signature.

Which can open a hello bank account! ?

This offer is intended for any adult, residing in France and acting as an individual. To open an individual account, Hello Bank! There is no minimum income required. This online bank offers you to open an individual and/or joint account accompanied by a bank card.

Hello Bank means of payment

At Hello Bank, several bank cards are available and are subject to age and income conditions.

The Hello One card:

Hello one is accessible without income condition, and on simple acceptance of the bank. The card remains free provided it is used at least 1 time/month otherwise 3 € of apply/month. This visa card can be used around the world. Practical, you can block or unlock it directly from your mobile application.

The Hello Prime card:

Hello Prime is accessible from € 1000 in net income per month (before taxation) and on acceptance of Hello Bank!. This paid card, it costs 5 € per month . It is possible to choose the immediate or delayed flow, and its user ceilings are superior.

What are the advantages of the Hello Prime card ?

This card has premium insurance and assistance of the same level as a Visa Premier card. Withdrawals and payments are free of charge all over the world. So the Hello Prime card is ideal for travelers.

To feed your Hello Bank account! It is quite possible to credit an amount by check.

To make a transfer from your HELLO BANK customer area! Just go to the “make a transfer” section from the bank’s website or from its mobile application.

To pay your regular or punctual bills, you are free to accept and set up automatic samples.

At the forefront of the latest advances and new trends, Hello Bank! Also take advantage of the Paylib system. Totally secure, this service allows you to pay dematerialized.

We explain to you how to use its various means of payment with Hello Bank!

Hello Bank reviews!

Writing opinion

Summary of the opinion

Online bank Hello Bank! is one of the last online banks arrived on the French market. The online bank of the BNP Paribas group offers a fairly complete product catalog from its beginnings: insurance, credit, scholarship … If the banking products and services are classic, it is in communication that Hello Bank! stands! It is possible to chat with your online advisor, the bank publishes a news feed from Hello, a Hello Life magazine or the Inspirational One Minute Project.

This attractive, young and dynamic online bank may be quite recent on the market, it is nonetheless already very extensive … Hello Bank! Target a wide range of customers and bet for an offer including savings, credit solutions, insurance, providents but also stock market investments.

The Hello Bank mobile application!

It can be downloaded from mobile, tablet and even from Apple Watch.

An application to follow your budget

It is easier to follow your budget with the Hello Bank mobile application! It allows you to have good visibility on your expenses and revenues, already well classified and categorized. Such a very clear provision facilitates the graphic monitoring of your budget day by day and from month to month. A automatic classification is made to help you quickly identify the realities of your different spending stations.

Certain alerts that you will receive from this application warn you when you exceed the vigilance thresholds that you have determined. Upon receipt of an email from a hello team advisor, you are also informed by a signal.

Hello Bank communities! on your mobile

The Hello Bank mobile application! allowed the implementation of a community of user of the services of this online bank. If you are one of this, you can make your loved ones known to all the information you want as well as all your good plans.

With the HELLO BANK mobile application! Downloaded on Apple Watch, you even have the possibility of launching a chat session with other tool users.

The Hello Bank account! at a glance on mobile

If you are a hello bank customer! And that you have an Apple Watch, you can consult your bank account by simply looking at your wrist. It is indeed possible to download the mobile application to this revolutionary watch, which will allow you to take advantage of several services. For example, you will be able to know the balance of your account and see the last 3 operations carried out. Also each time you receive a message, a notification will allow you to be informed in time.

Hello Bank pricing!

Hello Bank!, The simplicity of an online bank at the best price

Hello Bank! designates the 100 % digital offer of the BNP Paribas. However, who says online banking also says a much more advantageous approach to the tariff banking services. Opt for Hello Bank services! amounts to choosing a transparent, efficient and based on a relationship of trust. Hello Bank! has everything of a large bank accessible with your fingertips, from your computer, tablet or mobile. Yes, but at what price ?

Opening, operation and monitoring of your account

The main services of Hello Bank! are free. Thus, the holding of your accounts, the issuance of RIB, the costs of searching for documents or the consultation of your extracts from a distance account do not generate any cost. Only a few services are billed, like certain specific account statements. The provision of species at the counter of a BNP Paribas agency is also billed 20.50 euros.

Your means of payment

Hello Bank! also made free of payment means a very strong attraction.

Bank cards

Of course, accessibility to certain cards (first visa) is subject to certain means conditions. Cash withdrawals from BNP automatic distributors are free throughout the planet. They are charged 2 % of each operation for all the other banks located outside the euro zone. Card payments are free in France and in the euro area. They are charged 2 % of each operation beyond these territorial limits. The changes in the ceiling of your cards can be done free online. Only the reflection of your bank card before the deadline is charged 15 €.

Transfers

All transfers made from the Hello Bank website! are free.

Specimens

The samples are also implemented without any costs.

Checkmen

Likewise, a checkbook is made available to you without additional cost.

Irregularities and incidents

Certain operations resulting in an operating irregularity of your account requires special treatment and are therefore invoiced. Thus, the costs per notice to third party holder, the costs as opposed to third parties holder and the costs by attribution attribution are subject to a pricing of € 130. Sending an information letter on account unauthorized will cost you 20 €. A notification from the Banque de France for prohibition to issue checks costs 33.50 euros and an administrative opposition generates a commission of 10 % of its amount within the limit of € 160. Any unknowing check leads to the sending of a newsletter at 14 €. And any rejected check causes € 50 in costs (or € 30 if the amount of the check is less than € 50). Finally, the withdrawal of the bank card decided by the Banque de France will cost you 25 €.

Hello Bank credits!

Hello Bank! also offers different types of credits such as consumer or real estate loans. The rates vary depending on the periods and your needs. They are therefore to be studied directly with an advisor. Fund facilities are also established at an annual nominal rate of 8 %.

Hello Bank savings!

Hello Bank! offers a wide choice of savings investments, whether standard booklets or life insurance (whose entry fees and on payments are decreasing depending on the amount you invest). HELLO BANK life insurance! allow you to place your money on funds in euros or on stock market offers.

Hello Bank insurance and provident!

Finally, Hello Bank! will be able to convince you with its multiple self -assurances, home, dog and cat, school, mobile or health devices. Prices fluctuate according to your profile and are to be studied directly online.